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

Underwriting is the process through which a lender verifies your income, assets, debt and property details before approving a loan and terms such as interest rate and fees. Underwriters perform an ...

The majority of mortgage applications are processed with automated technology, but lenders can use manual mortgage underwriting for more complex financial situations. If you have a limited credit ...

When you apply for a mortgage, lenders use a process called underwriting to determine whether to approve or deny your loan. In deciding whether to approve your mortgage, underwriters consider your ...

Reina Marszalek is a senior mortgage editor at Fox Money who has spent more than 10 years writing and editing content. Fox Money is a personal finance hub featuring content generated by Credible ...