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WebLoan is submitted to underwriting At this step, the Underwriter starts the loan underwriting process. They review every document to determine whether you qualify for a mortgage. The Loan Officer and Mortgage Consultant will work to submit a … WebMay 19, 2024 · That first step is to get a mortgage pre-approval letterfrom a lender. This letter shows how much money a mortgage lender would let you borrow based on your … WebJan 11, 2024 · FHA loans are excellent for first-time homebuyers because, in addition to lower up-front loan costs and less stringent credit requirements, you can make a down payment as low as 3.5%. 4 FHA loans ... chirgery