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What is the manual underwriting process? · Meet with a Home Loan Specialist · Fill out an application · Become a Churchill Certified Homebuyer · Gather the The underwriting process can be nerve wracking for potential homeowners as they search for bank statements, credit card statements and pay stubs and submitManual underwriting can help you get approved for a loan without traditional Some lenders will require as many as 12 months' worth of bank statements in