Loan Officer Life: The Mortgage Rollercoaster! – Day 3: The Underwriting Loop-de-Loop

Welcome back to our 5-part series: Loan Officer Life – The Mortgage Rollercoaster!We’ve tackled the Pre-Approval Climb, soared through the House Hunt Drop, and now we’re heading into the loopiest part of the ride: Underwriting.

But here’s the twist — I do everything I can to smooth this part out before we even get here.

Day 3: The Underwriting Loop-de-Loop 🔄 (But With Fewer Surprises!)

Underwriting is where the lender’s team reviews every detail — income, credit, assets, employment history, and the property — to make sure it all meets loan guidelines. It’s known for being the most twisty, turny part of the mortgage process.

But here’s the thing: I try to pre-underwrite every file as much as possible before it even reaches the underwriter’s desk.

That means we work together up front to gather the right documents, double-check the numbers, and flag anything that might trigger extra questions later. It doesn’t eliminate every loop, but it can definitely turn a rollercoaster into more of a scenic ride.

✅ Pro Tip: Still respond quickly to any follow-up document requests — even with a clean file, the underwriter might ask for updates or clarifications. But thanks to all the prep, we’re usually miles ahead by this point.

I know underwriting has a bit of a reputation — but when we prepare early and thoroughly, it becomes just another part of the journey, not a source of stress.

Up next: the Appraisal Drop Zone — where we find out if the home is valued at what you’ve offered. Spoiler: it's another moment where preparation makes a big difference.

Need help getting ahead of underwriting on your file? That’s what I’m here for — let’s ride this thing the smart way.