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The underwriter is the person who ultimately determines whether or not you are an acceptable credit risk. He or she will assess your ability to repay the loan, your credit, and the collateral used to secure the mortgage – in this case the collateral is the home.

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He’d made that wealth from the insurance business, beginning as a junior underwriter at Lloyd’s before branching out on his own. Carswell has denied the allegation, saying: There is no basis in.

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