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Underwriting
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===Forensic underwriting=== Forensic underwriting is the "after-the-fact" process used by lenders to determine what went wrong with a mortgage.<ref>[http://www.heraldtribune.com/article/20071230/REALESTATE/712300739 "Lenders scrutinize borrowers,"] ''Herald Tribune'' March 12, 2008</ref> Forensic underwriting is a borrower's ability to work out a modification scenario with their current lien holder, not to qualify them for a new loan or a refinance. This is typically done by an underwriter staffed with a team of people who are experienced in every aspect of the real estate field.
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