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HousingWire’s guidance matters because income assumptions are where many fragile preapprovals can change once underwriting reviews the file.
HousingWire published an article on September 23, 2026, focused on complex income preapproval and the questions loan officers should ask before issuing a preapproval. The core point from the supplied material is straightforward: when income is hard to calculate, a short assumption memo can help keep the file from shifting late in underwriting.
For producing loan officers, this matters because complex income files often feel solid at the point of application, then get reworked when tax returns, year-to-date earnings, business income, bonus income or other documentation is reviewed more closely. The article is not a rule change; it is a reminder that better front-end questioning and a written record of assumptions can protect the borrower, the referral partner and the LO’s pipeline.