Some nerves are normal, and in most cases there's no real reason to worry if your loan officer set the file up right. A competent loan officer front-loads the work: income, assets, and credit get verified, and the file runs through automated underwriting before you're ever under contract. By the time a human underwriter sees it, the answer is largely known. The one thing that should raise your alertness is if your loan officer flagged something genuinely tight at the start: an aggressive debt-to-income ratio, thin reserves, a recent job change, an unusual income source. If they told you a specific piece was borderline, some vigilance about documenting it well is warranted. Otherwise, a well-qualified borrower with a properly set-up file usually sails through, and the requests you get along the way (updated statements, a letter of explanation, a fresh pay stub) are routine paperwork. If you're anxious, the cure is information. Ask your loan officer to walk you through what automated underwriting returned and which conditions are still outstanding, so you can see exactly where the file stands instead of imagining the worst.