Instead of a computer-generated decision, the loan is reviewed by a human underwriter who evaluates the full financial picture, including income stability, payment history, and compensating factors.

Who Manual Underwriting Is For

• Borrowers with limited or non-traditional credit
• Recent credit events (bankruptcy, foreclosure, or short sale)
• Inconsistent income or employment history
• Situations where automated systems return a denial but the borrower is otherwise qualified

How It Works

Manual underwriting focuses on overall risk rather than automated scoring. Underwriters may consider:

• Rent payment history
• Cash reserves and savings
• Stable income trends
• Low debt-to-income ratios
• Strong compensating factors

Because the review is more detailed, documentation requirements may be slightly higher, and guidelines can be more conservative than automated approvals.

Important Notes

• Available on select loan programs, including FHA and VA
• Approval timelines may be longer than automated loans
• Strong documentation and financial stability are key

Manual underwriting provides an opportunity for borrowers who deserve a second look — when the numbers make sense, even if the system says no.