My loan just went to underwrite today! I am scared to death. My mortgage guy keeps telling me don't worry I am good but I have a rough credit history. 11 30day late payments on credit cards dating back to 3 years ago with the most recent being in February of 2014. I was pre approve via auto underwiting. I'm just afraid the underwriter will deny based on my history. But I'm keeping my fingers crossed for a good outcome. My fiancé and I have worked very hard to get to where we are. We are buying a $160,000 condo on conventional financing with 5% down and a interest rate of 4.8