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Real Estate term of the Week - Underwriting

Christel Renaud May 6, 2025

Underwriting is the part of the home loan process where the lender takes a deep dive into your finances to make sure you're fully qualified to borrow the amount you need. Think of it as the final review before the bank gives you the green light.

The underwriter will verify your:

  • Income and employment 💼
  • Credit history 💳
  • Debt-to-income ratio (DTI)
  • Bank statements and assets 🏦
  • Property appraisal value 🏡

It’s their job to make sure the loan is a safe bet—not just for you, but for the lender too. If everything checks out, you’ll get what’s called a “clear to close”—the best words a buyer can hear!

Would you like to learn more about how we can help with your home purchase? Reach out for a free, no-obligation consultation.

Christel Renaud | Christel Miami Luxury Living

954-799-3378 | [email protected]

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