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Mortgage Underwriter Training



Become A Mortgage Underwriter

There are many steps and mortgage documents required to "close" on a loan.

Mortgage underwriting is the final step, and is the process the lender uses to access risk and ensure a borrower meets all of their requirements for a loan.

Essentiallty, the Loan Officer takes the loan application, the Loan Processor reviews and completes the loan package, then sends it to the Underwriter for final approval.

What The Mortgage Underwriter Does

The mortgage underwriters primary responsibility is to reivew the loan application and access risk.

Mortgage Underwriters do this by reviewing the applicant's W2ís, tax returns, pay stubs, credit report, home appraisal, etc. Mortgage Underwriting Training

Once the borrower's income is verifies, they then look at the borrower's DebtTo-Income Ratio, credit history, and more. Specifically, they check, review, and verify:
  • Income
  • Credit history
  • The home appraisal
  • Title search
  • Debt-To-Income ratio
  • Make sure all the required documents are complete and accurate
Find Loan Processor Training Courses

If you are the detailed type and feel that a career as a Mortgage Underwriter would be good for you, we suggest you take some of our Mortgage Underwriter training courses.

To find Mortgage Underwriter training courses, either select one of the recommended courses or "Underwriting" from the "Professional Development" section of the search box below.


Recommended Course(s)


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Feature Items
NMLS / Safe Licensing
NMLS / Safe Licensing
Tax Return Analysis Workshop
Tax Return Analysis Workshop
Dealing with Appraisals: Compliance with New Standards
Dealing with Appraisals: Compliance with New Standards
Lending 101
Lending 101
TRID Explained
TRID Explained
Regulation Z: Truth in Lending (TILA)
Regulation Z: Truth in Lending (TILA)
Changes To The Dodd-Frank Rules
Changes To The Dodd-Frank Rules
Best-Ever Compliance Checklists For Consumer Loans
Best-Ever Compliance Checklists For Consumer Loans
Loan Processing 101 - The Basics
Loan Processing 101 - The Basics
FHA/VA Processing - For Processors
FHA/VA Processing - For Processors
Case File Underwriting Review -
Case File Underwriting Review - "FHA/VA Loans"
Mortgage Underwriter 101 - The Essentials
Mortgage Underwriter 101 - The Essentials
Fannie Mae &Freddie Mac Workshop
Fannie Mae &Freddie Mac Workshop
Calculating Income, LTV, &DTI Workshop
Calculating Income, LTV, &DTI Workshop
LAPP/SAR Underwriter - Step by Step Instruction
LAPP/SAR Underwriter - Step by Step Instruction
Understanding Commercial Loan Documents
Understanding Commercial Loan Documents

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