What to Expect during the FHA Underwriting Process. Hereâs what you can expect during the FHA underwriting stage, as a borrower. In a typical scenario, the borrower does not even hear from the underwriter â at least not directly. If he/she encounters any issues, those issues will be passed along to the loan officer who in turn will communicate them to the borrower.
On the other hand, plural proper nouns often do take the definite article: the Baltimore Orioles, the Boy Scouts, the Joneses. In the vast majority of cases, holiday is a common noun (which is a general name for something): Christmas is an annual holiday. Happy holidays. Iâm on holiday. I need a holiday. Today is a holiday. Enjoy your holidays.
Collective nouns are usually used with singular verbs: the family is on holiday; General Motors is mounting a big sales campaign. In British usage, however, plural verbs are sometimes employed in this context, esp when reference is being made to a collection of individual objects or people rather than to the group as a unit: the family are all on holiday.