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Statements

Subject Item

dbr:Mortgage_underwriting

rdf:type

dbo:Election

rdfs:label

Mortgage underwriting

rdfs:comment

Mortgage underwriting is the process a lender uses to determine if the risk (especially the risk that the borrower will default) of offering a mortgage loan to a particular borrower is acceptable and is a part of the larger mortgage origination process. Most of the risks and terms that underwriters consider fall under the five C’s of underwriting: credit, capacity, cashflow, collateral, and character. (This is also known in the UK as the three canons of credit - capacity, collateral, and character.)

dcterms:subject

dbc:Underwriting dbc:Financial_risk_management dbc:Risk_analysis dbc:Mortgage

dbo:wikiPageID

26901071

dbo:wikiPageRevisionID

1123479707

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dbr:Computer_models dbr:Credit_risk dbr:Credit_(finance) dbr:Lender dbr:Underwriter dbr:Guidelines dbr:Mortgage_origination dbc:Underwriting dbr:Mortgage_underwriting_in_the_United_States dbr:Borrower dbr:Mortgage_loan dbr:Moral_hazard dbr:Default_(finance) dbr:Fixed-rate_mortgage dbc:Mortgage dbc:Risk_analysis dbr:Risk dbc:Financial_risk_management dbr:Adjustable-rate_mortgage dbr:Prepayment_of_loan dbr:Collateral_(finance)

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dbo:abstract

Mortgage underwriting is the process a lender uses to determine if the risk (especially the risk that the borrower will default) of offering a mortgage loan to a particular borrower is acceptable and is a part of the larger mortgage origination process. Most of the risks and terms that underwriters consider fall under the five C’s of underwriting: credit, capacity, cashflow, collateral, and character. (This is also known in the UK as the three canons of credit - capacity, collateral, and character.) To help the underwriter assess the quality of the loan, banks and lenders create guidelines and even computer models that analyze the various aspects of the mortgage and provide recommendations regarding the risks involved. However, it is always up to the underwriter to make the final decision on whether to approve or decline a loan.

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wikipedia-en:Mortgage_underwriting?oldid=1123479707&ns=0

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wikipedia-en:Mortgage_underwriting