Why is the underwriter requiring this?

In order to make a thorough analysis that should hopefully result in approval, your underwriter will require any documentation that supports their decision. Some documents are specifically required for compliance in mortgage law. Others are required due to the investors (most commonly, Fannie Mae, Freddie Mac, FHA, or VA). It is the underwriter’s responsibility to verify all information required by the investors and ensure compliance with mortgage lending laws.

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