Zillow Advice: Buying Process - What kinds of conditions do you typically see on loans coming back from underwriting http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ Zillow Advice | Zillow Real Estate You name it! &nbsp;I have ... http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ You name it! &nbsp;I have seen updated pay stubs, letters of explanation concerning non-married relationships, updated bank statements, proof of payoff of recent debts (recent credit card or car payoff). &nbsp;A good lender will prep you with a list of all of the items you'll need and will help you get through the process. &nbsp;Underwriters are very particular in the current climate and just want to make sure that you are able to comfortably afford the home and won't default on the mortgage. Tue, 06 Nov 2012 20:54:00 GMT http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ 2012-11-06T20:54:00Z It really depends on how ... http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ It really depends on how thorough your loan officer was in reviewing your documentation.&nbsp; If they have asked you to explain anything out of&nbsp;the ordinary and documented your income, assets and credit, there should be minimal underwriting conditions.&nbsp;&nbsp; <br/><br/>Our goal when submitting a file is providing a complete, documented file that meets all underwriting criteria and lender overlays (extra requirements) so that all the underwriter has to do is put a check in each box and clear for closing.<br/><br/>All the best as you continue to a smooth closing!<br/><br/><br/>Warm Regards,<br/>Bridget Fri, 12 Oct 2012 00:11:00 GMT http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ 2012-10-12T00:11:00Z Usually if there is no problems. ... http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ Usually if there is no problems. They will verify employment prior to funding the loan. If there are appraisal issues those would have to be addressed. Fri, 05 Oct 2012 22:06:00 GMT http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ 2012-10-05T22:06:00Z They may require a confirmation ... http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ They may require a confirmation that your employment has not changed and/or prrof of you having insurance in place on the new property. Fri, 05 Oct 2012 21:38:00 GMT http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ 2012-10-05T21:38:00Z Some of the things we had ... http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ Some of the things we had to produce included a letter of&nbsp;explanation&nbsp;about a late payment last year (we neglected to pay it, we had lost our home in a tornado). We had to explain a large deposit. Stuff like that. Fri, 05 Oct 2012 17:18:00 GMT http://www.zillow.com/advice-thread/What-kinds-of-conditions-do-you-typically-see-on-loans-coming-back-from-underwriting/462812/ 2012-10-05T17:18:00Z