TBD underwriting is one of the most misunderstood tools in the mortgage process. It sounds technical, but what it actually does is simple. It moves the hardest part of the loan process earlier, before you are under contract. For buyers, that can make the entire experience calmer, clearer, and far less stressful. What TBD Underwriting Is TBD stands for “to be determined,” meaning the property address is not yet known. With TBD underwriting, the lender sends your file to an und
