So experienced broker/loan officer will review your file and decide to lock and after loan approve.
Are your loan is a difficult loan (income document, asset, property).
I usually request extra review if the borrower is a self employemed, commissioned, debt to income ratio higher than 45%. Property is a forclosure, bad condition.
Are your loan is a difficult loan (income document, asset, property).
I usually request extra review if the borrower is a self employemed, commissioned, debt to income ratio higher than 45%. Property is a forclosure, bad condition.