How Long Does Mortgage Underwriting Take?

Mortgage underwriting is a complex and lengthy process that many home buyers go through when obtaining a loan. It can take weeks or even months to complete, depending on various factors. This article will explore the various steps involved in mortgage underwriting and provide an estimate of how long it takes.

The mortgage underwriting process begins with the lender collecting financial information from the borrower and verifying it for accuracy. This includes reviewing documentation such as credit reports, bank statements, income and employment documents, and other records. After this step is completed, an initial assessment of the borrower's ability to repay is made by calculating debt-to-income ratios.

Finally, the lender assesses any risks associated with the loan by evaluating property appraisals and title reviews. Once all of these steps are completed, the lender can approve or deny the loan application based on their evaluation of the borrower’s qualifications and risk profile. As you can imagine, this entire process takes time to complete – but just how long does mortgage underwriting take? Read on to find out!

 Overview Of The Process

Mortgage underwriting is a seemingly endless and daunting process, one that can seem to crawl by with the speed of a snail. It requires meticulous risk assessment, income verification, employment history, and debt-to-income ratio evaluations to ensure the mortgage loan is affordable for the borrower. The loan-to-value ratio and property appraisal must also be considered, along with the interest rate. All of this culminates in a decision from an underwriter as to whether or not the loan should be approved.

The underwriting process is complex and lengthy due to all of the factors that must be taken into consideration when evaluating someone’s financial capability for home ownership. The lender reviews all documents submitted by the applicant such as pay stubs, tax returns, bank statements, credit report and more. Once this information has been verified, it must then be compared against industry standards to determine if the applicant meets basic requirements set forth by lenders.

It is important to remember that while there are certain guidelines that must be adhered to during this process, each case is unique and may require additional research or documentation before a final decision can be reached. As such, it can take anywhere from a few days up to several weeks for an underwriter to make their determination on an application; however, most cases are usually completed within two weeks or less.

 Assessing Creditworthiness

The process of assessing creditworthiness is an important step in mortgage underwriting. It requires a thorough review of the borrower's financial information and credit history to determine if they have the necessary qualifications for loan approval. Mortgage brokers, loan processors, and underwriters all take part in this assessment.

When evaluating a borrower's creditworthiness, lenders look at a variety of factors including:
* FICO Score: This score ranges from 300-850 and is calculated based on payment histories, debt levels and other factors. A higher FICO score indicates that a borrower is less risky and more likely to be approved for a loan.
* Credit Report: This document provides detailed information about an individual's past financial behavior such as debts, bankruptcies, late payments, etc. Underwriters will review this report to get an accurate picture of the applicant's financial standing.
* Loan Processing: The loan processing team evaluates the applicant's application materials such as income verification documents, bank statements, employment history, etc. They are responsible for ensuring that all required forms are properly completed and that all necessary documentation is included in the loan package.
* Credit Bureaus: Credit bureaus are companies that collect and store information about individuals' credit histories. Underwriters may consult these bureaus to verify information provided by applicants or to obtain additional information about their financial standing.

The assessment of creditworthiness is essential for determining whether or not an applicant qualifies for a mortgage loan. This process involves analyzing various aspects of an individual's financial profile to ensure they meet the lender's criteria for approval. It also involves working with third-party entities such as title companies and real estate agents to ensure everything flows smoothly during the loan approval process.

 Verifying Income And Employment History

Mortgage underwriting requires a meticulous examination of income and employment history. Loan officers, mortgage originators, and mortgage processors are all responsible for verifying this information. Typically, financial institutions assess the borrower’s creditworthiness by analyzing their income sources and debt load. They also inquire about job security to determine if the applicant will be able to make payments in the future. Additionally, mortgage insurers may require home appraisals and property assessors to ensure that buyers are buying an appropriate amount of value for the given market conditions.

During this process, lenders will look at the borrower's past two years of employment and tax returns to verify income stability. They may also require additional documents such as bank statements or paystubs to corroborate income data. Furthermore, they may contact employers directly to confirm information provided on applications or interviews. By confirming all sources of income, lenders can reduce risk while helping borrowers qualify for mortgages they can comfortably afford.

The process of underwriting is essential in understanding the capacity of a borrower’s ability to repay their loan. It not only helps lenders identify potential risks but also provides a comprehensive overview of financial standing which can be used to determine if a borrower is eligible for a loan. This careful assessment allows lenders to protect themselves from any potential losses that could occur due to defaulted loans or foreclosure proceedings.

 Calculating Debt To Income Ratio

Calculating your debt to income ratio is an important step when applying for a mortgage. This ratio is calculated by taking your total monthly debt payments and dividing them by your gross monthly income. Lenders use this number to determine how much of a loan you can qualify for. The higher the ratio, the more you need to demonstrate that you have the ability to repay the loan.

When calculating your debt-to-income ratio, it’s important to consider all of your liabilities including mortgage insurance, down payment, closing costs, home equity loans, Fannie Mae or Freddie Mac loans, and Federal Housing Administration loans. All of these items can affect the amount of money available for repayment on a loan and could make or break whether or not you are approved for a mortgage.

It’s also important to remember that lenders may require additional documentation in order to verify that you can afford a loan. This includes documents such as pay stubs, tax returns, bank statements and other records from your mortgage servicer that show proof of income and assets. These documents help lenders assess whether or not you have enough funds available to cover all of your debts plus the new loan payment each month.

By understanding how lenders view your debt-to-income ratio and gathering all necessary documents before applying for a mortgage, you will be better prepared and increase your chances of obtaining the home loan you need at an affordable rate.

 Establishing Loan To Value Ratio

After calculating the debt to income ratio, it is time to establish the loan to value ratio. The loan to value ratio, also known as LTV, is a crucial factor in mortgage underwriting and helps determine how long the process will take. This ratio plays an important role in determining whether or not a borrower qualifies for a loan and if they do, what type of loan they qualify for.

The Federal Housing Administration (FHA), Department of Veterans Affairs (VA), and other mortgage brokers may require a certain loan to value ratio before approving a loan application. This ratio is determined by comparing the appraised value of the property with the amount of money that is being borrowed. If the appraised value is lower than the amount being borrowed, then that could mean that there are additional risks associated with granting approval for a loan.

Mortgage brokers, closing agents, secondary mortgage market participants such as mortgage servicers and investors all work together to create an accurate estimate of what the loan to value ratio should be for any given property. For example, if one broker says that the property has a high LTV while another states it has a low LTV, they will work together to come up with an average that can be used when making decisions about approving or denying loans. Understanding how lenders calculate this important ratio is essential in order to understand how long mortgage underwriting will take.

The accuracy of any given loan-to-value calculation depends on numerous factors such as current market conditions, appraisals by professional real estate agents, and other underlying economic factors. As such, it's important for borrowers to ensure their credit score and other financial information are up-to-date so they can get accurate LTV calculations during their underwriting process and make sure their applications are approved quickly and efficiently.

 Property Appraisal Requirements

Mortgage underwriting is a complex process that typically takes anywhere from a few days to several weeks. During the process, lenders will assess the borrower’s credit history, income, assets and liabilities. Additionally, an appraisal of the property being purchased is required to determine its market value.

The appraisal process is designed to protect both lenders and borrowers from making decisions based on inaccurate or incomplete information about a property’s worth. Appraisals are conducted by licensed professionals who are familiar with the local housing market and have access to recent data on comparable home sales in the area. A qualified appraiser will inspect both the interior and exterior of the house, measuring rooms, noting features like built-in appliances and special amenities, taking photos and providing detailed notes of their findings.

The appraiser then compares this information to other similar properties that have sold recently in order to come up with an accurate estimate of what it would cost someone else if they were buying that same property today. The lender uses this estimated value as part of their decision-making process when evaluating loan applications. The appraisal must be completed before closing day, or otherwise funding may be delayed until all necessary documents are submitted. It is important for borrowers to understand that an appraisal does not guarantee approval for a loan; however it does provide valuable insight into the true value of a home which helps lenders make informed decisions about lending money for real estate purchases.

 Consideration Of Collateral

The consideration of collateral is a critical part of the mortgage underwriting process. It involves assessing the worth of the property that is being used as security for the loan. This appraisal not only assesses value, but also inspects to ensure that all applicable laws and regulations have been met. The review of collateral will determine if there are any issues that need to be taken care of before closing on the loan.

The appraisal contributes significantly to the amount of time it takes for underwriting. There are certain procedures that must be followed when conducting an appraisal such as verifying ownership, researching deed restrictions, and performing a visual inspection. All these processes take time and can cause delays in the underwriting process. Any additional information that needs to be verified or further investigated can also slow down this process considerably.

Once the appraisal has been completed, lenders will then compare it with market data to determine if they are comfortable with issuing the loan based on its current value and condition. If everything checks out, then they will proceed with finalizing the paperwork and authorizing disbursement of funds upon closing. The time frame for this entire process can vary greatly depending on many factors including complexity and preparedness of documents, speed at which documentation is provided, and overall market conditions.

 Understanding Interest Rate Variables

Interest rates are one of the most important variables to consider when applying for a mortgage. They have a significant impact on how much money you will pay over the life of your loan, so understanding interest rate variables is essential when making an informed decision. The first variable to consider is the type of mortgage loan that you are looking for – fixed-rate or adjustable-rate mortgages (ARMs). Fixed-rate mortgages offer a consistent interest rate throughout the entire loan term, while ARMs feature rates that can change over time.

Another variable to keep in mind is your credit score. A higher credit score typically translates into lower interest rates, which means more money saved over time. Other factors that can influence interest rates include your down payment amount, debt-to-income ratio, and any existing debt that you may have. All of these elements affect what kind of interest rate lenders will be willing to offer you.

Finally, it’s important to remember that different lenders have different policies regarding their interest rates and terms and conditions. Shopping around for the best deal is essential if you want to get the most out of your mortgage loan. Take some time to research various lenders and compare their offers before committing to anything. With these considerations in mind, you should be able to find an affordable mortgage with competitive interest rates and favorable terms.

 Identifying Lenders & Borrowers

The process of mortgage underwriting begins with identifying both the lenders and borrowers. It’s important to understand that lenders are looking for different qualifications in potential borrowers, such as credit scores, debt-to-income ratio and employment history. Borrowers must provide documents such as bank statements, tax returns, proof of income, employment verification and other financial information. Once these documents have been verified by the lender, the loan application is then sent for processing.

The next step is to review the loan application and determine if all requirements have been met. This includes evaluating credit reports from all three major credit bureaus and verifying current employment status. The lender will also need to assess the borrower’s ability to repay the loan based on their income and debts. If any discrepancies or issues arise during this stage of the process, further documentation may be requested before loan approval can be granted.

Once all requirements are met and approved, the loan is ready to move forward to closing. Mortgage underwriting typically takes between two weeks and one month depending on how quickly both parties can process documents, verify information and sign off on final paperwork. An experienced lender will work quickly to ensure a smooth process and timely closing date so that borrowers can move into their new home as soon as possible.

 Factors Contributing To Fico Score

The FICO score is an important component of the mortgage underwriting process. It is used to determine a borrower's creditworthiness, and ultimately, how long mortgage underwriting takes. The following are the primary factors that contribute to a person's FICO score:


Payment History

: This includes whether or not the borrower pays their bills on time. Late payments will have a negative impact on the FICO score, while timely payments will positively affect it.


Credit Utilization Ratio

: This measures how much of the total available credit limit a borrower has used up. It is generally recommended to keep this ratio below 30% for optimal credit score performance.


Length of Credit History

: A longer credit history will result in higher FICO scores since it shows creditors that the borrower can be trusted with money over time and can manage their debt responsibly over an extended period.


Types of Credit Used

: Having both revolving and installment accounts may help improve one's FICO score as it reflects responsible financial management and diversification within one's borrowing portfolio.

Since payment history is weighted most heavily in calculating one's FICO score, borrowers should always aim to pay bills on time as much as possible in order to maintain or improve their credit profile. Additionally, they should strive to keep their credit utilization ratio low by avoiding maxing out any of their cards or taking out too many loans at once; doing so will help them build a better credit history faster and make them more attractive to lenders when applying for mortgages or other loans down the road. Furthermore, they should use multiple types of accounts such as installment loans and revolving lines of credit to demonstrate their ability to handle different types of financial obligations simultaneously and responsibly over time in order to achieve a higher FICO score more quickly.

In summary, there are several factors that contribute towards one’s FICO score which should be taken into consideration when determining how long mortgage underwriting might take for an individual applicant - primarily payment history, utilization ratio, length of credit history and types of credit used all play a role in determining an individual’s ultimate score which potential lenders will use when making decisions about loan approvals or rejections.

 Obtaining A Credit Report

After exploring the factors that contribute to a FICO score, obtaining a credit report is essential in understanding one's financial health. A credit report provides an overview of an individual's borrowing and repayment history. Knowing how to obtain a credit report is vital for accessing this information.

First, familiarize oneself with the three primary reporting agencies: Experian, TransUnion, and Equifax. These agencies are responsible for collecting and synthesizing data from creditors and lenders into reports on individuals' credit history. Each agency may have different information depending on their sources and the time of year when reports are requested.

Second, decide which type of credit report best suits one's needs. For example, those wanting to monitor their credit should opt for a monitoring service because this will provide regular updates throughout the year instead of just once per year with annual reports. People who plan to apply for major financing such as mortgages or auto loans should consider requesting scores from all three major bureaus since lenders use multiple scores when evaluating loan applications.

Third, follow official government guidelines for requesting reports directly from the bureaus or through an authorized third party provider. The Fair Credit Reporting Act (FCRA) requires each bureau to provide free copies of reports every 12 months upon request by mail or online forms. In addition, there may be other services available such as identity theft protection programs that can help protect against unauthorized access and use of personal information.

 Mortgage Insurance Requirements

Mortgage insurance is an additional requirement for some home loans. It helps protect the lender in the event of default. The type and amount of insurance required will depend on the type of loan and borrower’s credit score. Generally, those with lower credit scores will be required to pay higher premiums.

The mortgage insurer evaluates each loan application on its own merits, which can add time to the underwriting process. In order to qualify for a mortgage, borrowers generally need to show that they have sufficient income, assets and credit history to support their loan obligations. The mortgage insurer then reviews all this information, along with other requirements such as proof of homeowners insurance coverage, before approving or denying a loan request.

It is important to understand that while there are certain guidelines associated with obtaining mortgage insurance, each case is unique and may require additional documents or information from the borrower. Even if the borrower meets all requirements, the underwriting process may still take up to several weeks depending on how quickly the lender can obtain necessary documents and verify them. Therefore, it is important for borrowers to plan ahead when seeking financing for their dream home purchase.

 Down Payment Specifications

When considering a mortgage underwriting process, one of the most important items to consider is the down payment. The amount of money required to be paid upfront can vary significantly depending on the loan program and lender requirements.

Here are some key points related to down payments:
- Conventional loans typically require a minimum of 5%-20% down payment
- FHA loans require 3.5%-10% down payment
- VA loans may not require any money at all for a down payment
- USDA loans also may not require any money for a down payment

In many cases, lenders will allow borrowers to use gift funds from family members or other sources as part of their down payment. These funds must be documented and verified by the lender in order to qualify for a loan. Additionally, some lenders may offer assistance programs that provide grants or other types of financial assistance for qualified buyers who meet certain criteria. It is important to check with lenders about these programs before applying for financing.

The amount of time it takes to complete the mortgage underwriting process can vary depending on several factors such as credit score, income verification, and asset validation. Generally speaking, applicants should expect it take anywhere from one week up to several months in order to receive an approval decision from the lender.

 Loan Processing & Approval Timeline

The loan processing and approval timeline can be a lengthy process. This includes the mortgage underwriting, which is when a lender evaluates the borrower's creditworthiness and verifies all the documents related to the loan application. The entire process involves several steps that must be completed in order for a loan to be approved.

First and foremost, lenders need to assess the borrower's ability to repay the loan by reviewing their financial information, such as income, assets, debts, and credit score. This helps them determine whether or not they are willing to take on the risk associated with lending money. After this initial assessment is done, lenders then move on to verifying all of the documents related to the loan application before approving it. This includes collecting copies of pay stubs, tax returns, bank statements and other documents that prove employment status, income level and other relevant financial information.

Once all of these items have been verified, lenders will conduct an appraisal of the property being purchased and may require additional documentation from the borrower depending on their individual circumstances. Once all this information has been gathered by the lender and reviewed for accuracy, they will make a decision about whether or not to approve or deny the loan application. The amount of time it takes for mortgage underwriting can vary from lender to lender but typically takes between one to two weeks after all paperwork has been received.

 Closing Costs & Escrow Funds

Mortgage underwriting typically takes between two and six weeks. During this process, the lender reviews the borrower’s credit history and verifies income, assets, and debts. The lender also checks to make sure the borrower has sufficient funds to cover closing costs, including escrow funds. Escrow funds are a type of down payment made by the buyer and held in trust by the lender until all requirements of the loan agreement have been met.

Closing costs typically include appraisal fees, title search fees, attorney's fees, survey fees, recording fees, transfer taxes, and other miscellaneous charges. In addition to these costs, escrow funds must be paid at closing to cover insurance premiums or property taxes. These monies will be placed into an account managed by the lender until they are due.

The amount of money required for closing costs and escrow funds varies depending on local regulations and market conditions. However, it is generally recommended that borrowers set aside 3-5% of their purchase price for these expenses. Understanding how long mortgage underwriting takes as well as what types of closing costs are involved can help buyers prepare financially when purchasing a home.

                            Frequently Asked Questions

 What Are The Advantages Of Obtaining A Mortgage Underwriting?

Obtaining a mortgage underwriting can be beneficial in many ways. Through this process, potential borrowers can ensure that the loan is suitable for their individual needs, and that the terms of the loan are fair and reasonable. Additionally, this process can help to protect lenders from financial losses due to bad credit decisions. This article will discuss the advantages of obtaining a mortgage underwriting, with an emphasis on how it helps lenders and borrowers alike.

One of the primary advantages of obtaining a mortgage underwriting is that it helps lenders make well-informed decisions when providing loans to potential borrowers. By thoroughly assessing each individual's credit profile and other relevant financial factors, lenders are able to determine whether or not they should offer a loan to any particular person. This level of risk assessment helps to reduce the likelihood that lenders will experience financial losses due to bad credit decisions. Furthermore, this process also allows lenders to negotiate more favorable terms on behalf of their customers by giving them detailed information about what is required in order for them to obtain a loan.

In addition to helping lenders make better decisions regarding loans, obtaining a mortgage underwriting also serves as a form of protection for potential borrowers. By taking part in this process, individuals are able to ensure that the loan they receive is tailored specifically for their needs and situation. Additionally, through this process potential borrowers can gain access to better rates and terms than may otherwise be available without undergoing an underwriting process. Furthermore, by participating in this process individuals can also understand exactly what is expected from them with regards to repayment obligations and other details relating to the loan itself.

Obtaining a mortgage underwriting provides both parties involved with numerous benefits which help facilitate a smoother transaction overall. From helping lenders make wise decisions when providing loans, to protecting potential borrowers from accepting unfavorable terms; this process helps all parties involved reach an understanding which works best for everyone involved while ensuring that each person’s interests remain in mind throughout every step of the transaction. Ultimately, this type of assessment helps create an environment which fosters responsible lending practices and keeps everyone informed throughout their journey towards homeownership or refinancing existing debts.

 What Are The Potential Risks Associated With The Mortgage Underwriting Process?

The mortgage underwriting process is an integral part of obtaining a mortgage and can have significant implications for those involved. As such, it is important to consider the potential risks associated with this process. From the uncertainty surrounding the outcome to the time-consuming nature of due diligence, understanding these risks can help individuals make more informed decisions about their mortgages.

One of the most significant risks associated with mortgage underwriting is its unpredictability. It is impossible to know for certain what will be approved or denied until after the underwriting process has been completed, meaning that borrowers may end up waiting for a longer period than expected. Additionally, lenders may require additional documentation before approving a loan, which can add additional delays to an already lengthy process.

Another risk associated with mortgage underwriting is that it often requires a great deal of due diligence on behalf of both parties involved. Borrowers must provide detailed paperwork and other necessary documents in order to prove their eligibility while lenders must thoroughly review each application and ensure that all requirements are met before making a decision. This process can take several weeks or even months depending on the complexity of each individual case, so it is important to be prepared for this level of commitment before entering into any agreements.

In addition to these two main risks, there are also other considerations such as interest rates and fees that could potentially affect the overall cost of borrowing money from a lender. Therefore, it is essential for borrowers to familiarize themselves with all aspects of the mortgage underwriting process before taking out a loan in order to avoid costly surprises down the line. Doing so can help ensure an individual's financial security while also providing peace of mind during an otherwise stressful experience.

 What Is The Difference Between Pre-Qualification And Pre-Approval For Mortgage Underwriting?

When it comes to securing a mortgage, understanding the difference between pre-qualification and pre-approval is essential. Pre-qualification is an initial assessment of a potential borrower’s eligibility for a loan based on their income, debt, and credit. This process does not guarantee approval, as the lender has not yet verified any financial information and documents. Pre-approval is the more detailed process in which lenders review an applicant’s financial situation and assess their ability to pay back a loan. Typically, this involves verifying employment status and income, analyzing credit reports, evaluating assets, and reviewing tax returns.

Getting pre-approved is a great way to tell if you are eligible for a loan before searching for homes. It also helps sellers to have greater confidence in your offer because they know that you are likely to be approved for the mortgage. Being pre-qualified can be helpful too; however it usually carries less weight than being pre-approved as lenders have not done any verification of your financial information or documents.

It's important to remember that even if you are pre-approved for a mortgage it doesn't guarantee that you will get the loan when it comes time to close the deal. The underwriter may still need additional documentation or determine that your finances have changed since you were initially approved. Therefore it is essential to provide accurate information throughout the process so that you can ensure your application will remain approved until closing day.

 Are There Any Special Requirements For Certain Types Of Loans?

When it comes to mortgages, there are special requirements for certain types of loans that go beyond the standard pre-qualification and pre-approval processes. From surprisingly strict credit score thresholds to a wide array of documents that must be submitted, these unique requirements can seem daunting. In fact, they may leave borrowers feeling overwhelmed, even discouraged. But with the right information and guidance, navigating these special requirements can be made much simpler.

One of the most important points to remember when it comes to certain loan types is that lenders are often looking for a higher level of financial stability than what is typically required for pre-qualification or pre-approval. This means that borrowers may need to present additional evidence of income and assets in order to qualify. For example, an FHA loan requires two years of employment history as well as proof of sufficient funds for down payment and closing costs.

Likewise, VA loans have their own set of requirements aimed at ensuring veterans have access to the financing they need. These include satisfactory credit scores, documentation showing military service or discharge status, and verification that the borrower has sufficient income for mortgage payments each month. Other specialized loan programs may also have different eligibility criteria based on factors such as geography or profession.

It's important for prospective borrowers contemplating one of these specialized loan types to be aware of all the associated requirements before proceeding with their application process - failure to do so could mean unnecessary delays or even disqualification from obtaining financing altogether. With this in mind, having a thorough understanding of the special requirements beforehand is essential in order to ensure success in securing a mortgage loan quickly and efficiently.

 Are There Any Additional Charges Associated With Mortgage Underwriting?

Mortgage underwriting is a critical step in the home loan process. It involves assessing the borrower’s financial information and credit history to determine if they are eligible for the loan. Furthermore, it is important to consider whether there are any additional charges associated with the underwriting process.

In general, lenders typically charge a fee for mortgage underwriting. This amount can vary from lender to lender and is based on factors such as the type of loan being requested or the amount of money being borrowed. Additionally, some lenders may also charge an appraisal fee which is used to assess the property value. In some cases, this fee can be included in the total cost of the loan or may be paid separately by the borrower.

Furthermore, there are also non-refundable fees associated with processing documents and paperwork needed for underwriting which can add up over time. Therefore, it is important to review all costs associated with mortgage underwriting before committing to a loan agreement. Knowing all fees up front helps ensure that borrowers have a clear understanding of what they will be responsible for paying and prevents them from incurring unexpected costs down the road.


The mortgage underwriting process is a complex one that involves multiple steps and can take anywhere from a few days to several weeks to complete. It is important for prospective borrowers to understand the advantages, risks, and requirements associated with this process in order to make an informed decision about their loan.

The complexity of the mortgage underwriting process makes it difficult for borrowers to accurately predict how long it will take to complete. Pre-qualification and pre-approval are two steps that can help streamline the underwriting process but they each come with certain costs that must be taken into consideration. Additionally, there may also be special requirements associated with certain types of loans which can extend the timeline even further.

Despite its complexities and uncertainties, obtaining a mortgage through underwriting remains an appealing choice for many prospective borrowers due to its potential benefits including lower interest rates and greater financial security. Although it may take longer than other loan options, understanding the process ahead of time is essential in making sure that you get the best deal available.
Mayra Holdiness
Mayra Holdiness

Infuriatingly humble pizza specialist. Wannabe pop culture nerd. Amateur internet scholar. Friendly bacon lover. Evil twitter fan. Freelance web fan.

Leave Reply

All fileds with * are required