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Step 12 is where your loan officially goes to underwriting. And no, the underwriter is not the villain of the story. In this step of the loan process, your underwriter reviews the full story of your home purchase, prepared by your loan processor. Their job is to make sure every document follows HUD guidelines and lender requirements before issuing your loan approval. Led by Colleen Olivas of The Brandon Drew Group, this video explains: ✔️ What mortgage underwriters actually do ✔️ Why conditional loan approvals are completely normal ✔️ How income, assets, appraisals, and title reports are reviewed ✔️ Why large deposits may trigger questions ✔️ How underwriting protects you before final loan docs Colleen also shares insider insight from her background as a former underwriter — explaining why thorough pre-approvals make this step smoother and less stressful. Follow along with the Loan Process Playlist: • The Complete Home Loan Process