Previous studies indicate that the use of child labour on the tobacco estates is in fact continuous and part of the overall labour market. Children are usually not employed directly on the estates but work as part of the tenant family.
A Broker is NOT the same as and Underwriter (U/W). The Broker usually owns the mortgage company. He contracts with several companies to write loans.
The buyers will then go out and find a house that meets their needs, and make an offer to buy it. Once the seller accepts their offer, the buyers will take their purchase agreement back to the lender. Next comes the FHA underwriting process. The underwriter is a separate person or department from the loan officer. It is the underwriterâs job to ensure the loan meets all of the HUD / FHA requirements, as well as the lenderâs requirements for mortgage approval. This is their one and only purpose.