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all right what does a conditional approval mean this stage in the process can feel a little overwhelming and intimidating because an underwriter is involved and sometimes its a little unclear what does the underwriter want who are they why are they asking for documents so lets walk through the flow here of how we get a conditional approval and really well break it down to show you its really not that bad okay so theyre about four steps here in this process over here on the Left these are the documents that we asked from you for the pre-qualification or maybe some follow-up documents some things like w-2s 1040s pay stubs everything is right here okay so maybe its pay stubs maybe its an ID its 1040s bank statements and then what happens is were taking that along with your contracts and the loan estimate and then were going to send that to an underwriter and the underwriter is going to take all of the documents and theyre going to compare them against government guidelines the