Underwriting Resources Hub

Find all the MI underwriting tools and information you need right here, including credit policy updates, QA reviews guidance, and appraisal information.

To submit documents related to a Quality Assurance Loan Review, visit our Secure Submission portal.

COVID-19 Underwriting: Tips, Scenarios, and Best Practices

Staying on top of continuously changing COVID-19 related underwriting guidelines can be a huge challenge. We’ve got your back. NOTE: Advice in these documents does not replace Lender, Investor, or GSE instructions or guidelines.


Quick Tips on Calculating Income During COVID-19

Use this tip sheet to help keep underwriting best practices top of mind as you underwrite loans during COVID-19.

Calculating Income Loan Scenarios During COVID-19

This loan scenario resource provides some of the most commonly asked income calculation questions and provides responses to assist in the underwriting review process.

Mini Course: How to Review a Pay Stub

Get a quick refresher on pay stub basics like cross-checking employment on the application and pay stub, calculating base income plus bonuses, and checking for deductions.

Underwriting Tip Sheets

Top Q4 2020 delegated underwriting errors to avoid

Avoid these common mistakes and you'll be on the right track:

  • Insufficient assets to close or for required reserves
  • Missing gift documentation
  • Excessive seller contributions

Get the full list in the tip sheet below: 

Best practices and tips for underwriting and faster processing times

Use some of our favorite tips to make sure your files are polished up for faster processing times:

  • Proofread all information and check for inconsistencies
  • Make sure 2 years' of employment history and resident history is included
  • Flag any concerns in the app

Get the full tip sheet below:

Appraisal Checklists and Quality Control Forms

Checklists make everything easier if you ask us. Access our appraisal checklists and QC review prep forms.