FHA Mortgage Lenders Lenders Approve Manual Underwrite. But there are certain circumstances that can shock an application to a Refer/Eligible that requires manual underwriting. Examples include: FHA Mortgage Lenders Lenders Approve Manual Underwrite Hot Topics Include: Multiple 30, 50, 90 day late payments. Foreclosure, short sale or deed-in-lieu of foreclosure A lack of credit depth or No credit history or…