Definition
Manual underwriting is human review of your loan application, allowing for compensating factors and exceptions that automated systems would reject. It's useful for non-traditional situations—self-employment, recent job changes, non-standard income.
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Manual underwriting accommodates complex financial situations automated systems would reject. Includes flexibility for non-traditional income.
Pro Tip
Request manual underwriting if your situation is non-standard.
Example
Self-employed borrower approved through manual underwriting using tax averaging.