What the underwriter reviews
- Credit: your credit history and score
- Income: that it's steady and enough to support the payment
- Assets: your down payment, closing costs, and any required reserves
- Property: the appraisal, title, and insurance
Questions are normal
It's very common for the underwriter to ask for an extra document or a quick explanation. These requests are called "conditions." They're a normal part of the process, not a sign of a problem. The faster you send what's requested, the faster your loan moves.