Final loan approval process
What underwriting actually checks before issuing your clear-to-close.
Underwriting is the final, detailed review of your finances, the appraisal, and the title. It's the last checkpoint before you get your "clear to close." During this period, avoid opening new credit accounts, making large purchases, or changing jobs. Any of these can complicate or delay your approval. Stay boring with your finances until the keys are in your hand.
This step is general educational guidance, not legal, financial, or real estate advice — your contract terms, deadlines, and local requirements always take precedence, so confirm specifics with your licensed professionals. Read our full disclaimer.