A mortgage underwriter in Canada meticulously checks a mortgage application to determine the lender’s risk in giving the loan. They verify the borrower’s income, credit history, evaluate the property, and assess overall financial health. Their approval allows the mortgage process to move forward. Their role begins after a property is chosen and the mortgage application completed. Through verification and evaluation of financial capacity and property value, they determine if the borrower can meet the mortgage obligations, thus protecting the lender’s interests. Understanding their function can aid in creating a stronger mortgage application.