Is this normal? The underwriter wants more documents

Fannie Mae requires credit, income and asset documents to be no more than four months old when you sign the loan. Rule¹

Lenders read your bank statements, and money that moves without a record can slow your approval. Known²

Slow document replies can push your closing and put your rate lock or deposit at risk.

• Send exactly what's asked for, every page.
• Explain large deposits or job changes in a short letter.
• Ask each week what's still open. Known^3,4

What they usually ask for:

• Latest pay stub
• Latest bank statements, every page
• Letters explaining large deposits, if asked Rule¹

Conditional approval (loan commitment): usually 7–30 days after you submit your full application and documents. Est.Estimate³

Clear to close: usually 1–10 business days after you meet the last underwriting conditions. It means the underwriter has signed off; your Closing Disclosure comes next. Est.Estimate^3,5

A new loan, a missed payment or a lower score can change your rate even after it's locked.

• No new credit cards, car loans or big purchases on credit.
• Pay every bill on time.
• Call your lender before changing jobs. Known^6,7