## Mortgage Underwriters and Weekend Work
Mortgage underwriters are responsible for evaluating loan applications and determining whether to approve or deny them. They typically work Monday through Friday during normal business hours, but there are some exceptions.
**When Mortgage Underwriters Work on Weekends**
Mortgage underwriters may work on weekends in the following situations:
* **High demand for mortgages:** During periods of high demand, such as the spring homebuying season, underwriters may need to work overtime to keep up with the volume of applications.
* **Urgent loans:** In some cases, borrowers may need to close on their loans quickly, such as when they are relocating for a new job or facing a foreclosure. Underwriters may work on weekends to ensure that these loans are processed and closed on time.
* **Special programs:** Some government-backed loan programs have specific deadlines or requirements that may require underwriters to work on weekends. For example, the VA loan program has a 90-day deadline for closing loans.
* **Backlog of applications:** If there is a backlog of applications, underwriters may need to work on weekends to catch up. This can occur during periods of high demand or if there are staffing shortages.
**How to Contact a Mortgage Underwriter on the Weekend**
If you need to contact a mortgage underwriter on the weekend, you can try the following:
* **Email:** Most underwriters will have an email address that you can use to contact them.
* **Phone:** Some underwriters may provide a phone number that you can call on the weekend. However, it is important to note that not all underwriters will be available by phone on the weekends.
* **Online chat:** Some lenders may offer an online chat service that you can use to contact an underwriter on the weekend.
**Tips for Working with Mortgage Underwriters on Weekends**
If you need to work with a mortgage underwriter on the weekend, keep the following tips in mind:
* **Be prepared:** Make sure you have all of the necessary documentation ready before you contact the underwriter. This includes your loan application, financial statements, and any other supporting documents.
* **Be patient:** Underwriters may be busy on the weekends, so be patient and understanding if they take some time to respond to your request.
* **Be professional:** Always be polite and respectful when communicating with an underwriter.
* **Don’t expect an immediate response:** Underwriters may not be able to respond to your request immediately on the weekend. Give them some time to review your information and get back to you.
## Conclusion
Mortgage underwriters typically work Monday through Friday during normal business hours. However, there are some exceptions when they may work on weekends, such as during periods of high demand, urgent loans, or special programs. If you need to contact a mortgage underwriter on the weekend, you can try emailing, calling, or using an online chat service.