Energy-efficient homes with HERS ratings show lower DTI and default risk when energy savings are factored into loans.

A mortgage underwriter is the key decision-maker who reviews your finances, credit history and property details to decide if your home loan gets approved. Ultimately, underwriters are like the ...

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Underwriting occurs when individuals or organizations assume financial risk in exchange for payment. Financial risk is the risk that a company may not generate enough cash flow or revenue to fulfill ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...

In our industry, we hear from advisors who see life underwriting as opaque and confusing, and its “make or break” nature can be frustrating. An unexpected underwriting decision can derail a new ...