miraaaa_212
Region: US
Wednesday 17 June 2026 01:17:08 GMT
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Cynthia Garza :
I never heard underwriter being difficult, I have been in banking for 14 years. Good to know, we definitely work for two different types of banks 🏦
2026-06-17 01:30:14
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CJack :
it is because of guidelines and compliance factors that vary by product and is it an in house product, third-party or investor factors that need to be considered. I was an underwriter with my DE and would get dinged for post closing defects and it can lead to some issues and also make it no longer a saleable loan and then we have to keep it in house which effect our overall portfolio. Most of the guidelines we follow are based on compliance policies. Mortgages are always something I can give a conditional approval based on the application details, so the document request is based on the data within the application. A lot of self employed people would have trouble providing proof of income, it is so commonly overstated. All in all we follow GSE guidelines and have to complete our due diligence. I have had so many applications where they get pre-approval, they then give their paystubs and their income is no where near, pushing DTI over and then they wanna argue about the appraisal value and then complain about a rate lock after we get everything where it needs to be, they bought a new car...and said oh, it is ok, I have under the table income...we have LOs completely go off because they want to close yet they just started a new job and don't have a paystub..my all time fav...we do the superior search to find they have a tax lein and a solar lien, yet the appraisal not credit report showed solar...
2026-06-17 02:28:43
2
Karlys 🇵🇦🇺🇸 :
Banker here! Trust but verify! I have heard this my whole banker life.
2026-06-17 11:54:04
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KEKESWORLD :
We’re not difficult- we just verify - don’t let someone stop you from the goal you have
2026-07-11 00:58:44
0
Madrid7Pizza :
Mine are pretty damn chill thankfully.
2026-06-17 20:47:30
0
Elizabeth Witt :
I love our UW!
2026-06-17 17:51:14
0
ėmīłÿ :
Or when the underwriters wouldn’t take a clients call as I was getting screamed at by said client cause the RMs weren’t calling them back.😅 I’m a banker not a RM please stop screaming at me. 😆
2026-06-19 03:29:20
0
shana b. :
Bank manager/underwriter here: short answer because those mfs are lying lol
2026-06-17 11:17:14
7
Brenden Luis Aguasvivas :
It’s all numbers. Will the bank lose money lending to this person or not. 2008 happened cause loans were being given out like handouts. At the end of the day the bank just wants to make money
2026-06-17 12:12:57
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