Underwritten

In Underwritten, Timothy Cobb, Navy veteran, entrepreneur, and author of Rebuilt, puts you on the other side of the lender's desk and answers the question most borrowers never think to ask: when a lender looks at your loan, what are they actually looking for, and why?

Drawing from his time in wholesale mortgage lending and years in real estate, insurance, and investment work, Cobb breaks down the framework every underwriter uses on every loan, the four C's: credit, capacity, capital, and collateral. Once you understand how an underwriter thinks, every document request, every condition, and every number on your Loan Estimate starts to make sense.

Whether you're a first-time homebuyer, someone who has been told no and never understood why, a veteran exploring your VA benefits, or an investor looking at your next rental property, this book was written for you.

Underwritten will show you how to:
* Strengthen your credit, income, savings, and property picture before you ever apply
* Understand the major loan types, from conventional, FHA, VA, and USDA to non-QM
* Follow your loan from application to clear to close without the guesswork
* Read a rate sheet, compare lenders, and know the trade-off between points and credits
* Find down payment assistance and understand investor options like DSCR loans
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A mortgage doesn't have to be a mystery.
Every lender is asking the same four questions. Do you pay your debts? Can you afford the payment? Do you have money in the bank? Is the property worth it?
This isn't a book about getting a loan. It's a book about understanding why you get one.