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Duration of treatment with atorvastatin is unlikely to increase the risk of muscle-related side effects as most occur within the first year of treatment, after which the risk is not increased further. [64] The known cardiovascular benefits of atorvastatin over time outweigh the low risk of muscle-related side effects. [65] [64]
For example, if the home is valued at $200,000 and the first mortgage is $100,000 with second mortgage of $50,000, the LTV is 50% while the CLTV is 75%. Naturally, the higher LTV and CLTVs increase the risk of loan. Furthermore, borrowers who contribute significant down payment (lowering the LTV) statistically have lower incidents of foreclosure.
To help the underwriter assess the quality of the loan, banks and lenders create guidelines and even computer models that analyze the various aspects of the mortgage and provide recommendations regarding the risks involved. However, it is always up to the underwriter to make the final decision on whether to approve or decline a loan.
Once the mortgage underwriter is satisfied with your application, the appraisal and title search, your loan will be deemed clear to close. At that point, you can move forward with closing on the ...
To avoid a mortgage declined by underwriter teams, do two things. First, don’t make any financial changes. Keep paying your bills on time and don’t open any new loans or lines of credits.
An underwriter will work with you to gather a lot of financial information and determine your risk level Must meet set requirements, such as for credit score and debt-to-income ratio, which vary ...
The most important adverse side effects are muscle problems, an increased risk of diabetes mellitus, and increased liver enzymes in the blood due to liver damage. [ 5 ] [ 66 ] Over 5 years of treatment statins result in 75 cases of diabetes, 7.5 cases of bleeding stroke , and 5 cases of muscle damage per 10,000 people treated. [ 35 ]
Flexible underwriting requirements: Borrowers who don’t have a stable earned income, holes in their credit histories or scores that don’t fit other standard criteria might qualify for a ...