"The underwriter reviews all income, asset and credit documents, and actually underwrites the loan. This allows the buyer to submit a loan commitment letter to the seller with their offer, pending appraisal," he says. "This is much more attractive to sellers as they have an actual commitment from the lender to loan the money. " When you cant outbid a cash buyer, this step puts you on closer-to-equal footing with them.
Not everyone offers underwriter review, though, so you should ask your lender or broker first. Increase your down payment. The most common reason a home sale doesnt close is that the buyers financing falls through. And financing often falls through after the appraisal.
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