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Can I deal directly with an underwriter?

  • November 04 2013 - Milledgeville
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Answers (6)

Usually you cannot speak with the underwriter directly. The loan officer is the one who you would directly speak. The loan officer is also the one who will relay the information between you and the underwriter.  Well I hope helps! If you have any further questions or if you would like a loan, feel free to contact me.

Good Luck!
  • November 04 2013
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Your loan officer should be your direct access to the underwriter and any conditions he/she is stipulating. The public never have access to the underwriter in any circumstance. Your only option is your Loan Officer and/or their processor.
  • November 04 2013
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I have never run across a situation where an underwriter is going directly to the consumer .This is the purpose of your loan /mortgage broker.
  • November 04 2013
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Profile picture for The Mortgage Mark
No.  What situation is happening that would you feel you would need to? 
  • November 04 2013
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The Underwriter's job is to make sure each loan fits certain guidelines. They do not speak to the borrower at all. You may find some of the things they are asking for to be ridiculous. Ask any Loan Officer in the world and they will agree with you. Fact of the matter is though, the loan won't close unless you get them what they are asking for. If your Loan Officer is incompetent, I would ask to speak to the processor, like Joseph said. 
  • November 04 2013
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Profile picture for Joseph Longobardi
In short; NO.

I am not sure what your circumstance is whether you don't like the LO or you need to explain documentation or income...but most of the time the Underwriter does not have interaction directly with the client. They are typically very busy. What you may want to do is ask for the processor. The processor is the "gobetween" or intermediary for the LO and the underwriter. The processor usually handles everything but selling. From verifications, income documentation,etc. Processors will handle most of the paperwork.
  • November 04 2013
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