Your mortgage broker has access to Automated Underwriting Programs which are computerized, sophisticated programs that analyze your strengths and weaknesses as a borrower against a lender’s guidelines/requirements. These programs are called “Desktop Underwriting” or “DU” or “Loan Prospector” or “LP” and they produce an indication of how the lender will view your loan application, such as "Accept" or "Refer".  Please know a DU or LP approval is not a full approval. It is more of an indicator of how the lender’s underwriter will view your entire loan package. Your mortgage professional is able to provide you with a DU  or LP approval.