Underwriting assessment of the capabilities of the Client service issued a mortgage loan, that is, the amount of the loan, which the borrower will be able to pay, taking into account the peculiarities of the borrower (type of employment, monthly income and the possibility of confirmation, the presence of co-borrowers or guarantors, family composition, the presence of minor dependents, etc). The client is in the process of underwriting twice: when referring to a mortgage broker (it is held by the underwriter brokerage company) before a contract for the provision of services, as well as in the Bank (conduct credit analysts) when considering an application for a mortgage loan.