An analogy of an underwriter would be for example: Hey dad can I go to the movies with such and such? Have you took care of everything? Yeah. Ok well go check with your mother and when she says yeah then go right ahead. Get to mom...Mom can I go to the movies with such and such.. Mom says have you cleaned your room, have you took out the trash, did you feed the dog, did you do your laundry, did you set your alarm for practice in the morning, do you have enough money, what are you going to see, who are you going with, where do they stay and who are they're parents, whats they're contacts, what time are you coming home, blah blah blah... Thats exactly what an underwriter does but place them in a loan scenario...They look over your file and if everything is good they say we continue to closing the loan and if not they say you forgot this this and this, and until you provide this additional info we wont be doing anything. Some are very pickie and some are down to Earth. If you catch a down to Earth underwriter then your loan should close 80% of the time. If not I dont know what to tell ya!!!