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What's the big difference? Are there benefits of one over the other?
Sorry if this question has been asked. I tried doing a search and got tons of information, but none see to answer the basic question.
Thanks
~Dee
An automated approval means you are approved through the system on a couple of conditions:
All information provided is accurate and proveable
Nothing changes in your credit profile
Nothing changes in lending standards/programs
The house can appraise for the sales value.
Manual means that there are issues (sometimes small and sometimes big) that need to be addressed by an actual person. Usually in manual there will be more scrutiny and alot more documentation. It doesn't mean you will not get approved, just that there may be more hoops to jump through.