Every carrier evaluates differently
Carrier underwriting guidelines differ. Outcomes can depend on diagnosis, treatment, stability, age, requested coverage and the full application information. A difficult situation with one carrier does not establish the answer for every available option.
Start before the closing window
Medical records or additional review can add time. Begin when the lender identifies the condition and provide complete, accurate information rather than waiting for the final weeks before closing.
Keep the lender informed
If underwriting becomes difficult, communicate early with your lender. The lender determines how to handle its loan condition and the documentation required for the file.
Read what to do if you cannot qualify for the process considerations.