Manual Underwrite

Manually underwriting a mortgage means that an underwriter reviews your mortgage application and supporting documents instead of relying solely on an automated system. This process is typically used for borrowers who have unique financial situations or who don't meet the standard requirements for a mortgage. The underwriter will review your credit history, income, debt, and other factors to determine whether you qualify for a mortgage and what type of loan terms you may be eligible for.

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If you have a non-traditional income source, a lower credit score, or other factors that may make it difficult to get approved for a mortgage, you may still be able to qualify for a manually underwritten mortgage. Plus, with a manually underwritten mortgage, you'll have the added benefit of working directly with a mortgage professional who can guide you through the process and help you find the best loan terms for your needs.