Senior Mortgage Underwriter

Experience: Senior Level

Salary: $90,000 - $100,000 per year

• Review and analyze mortgage loan applications, credit reports, income documentation, asset statements, and appraisals for compliance with VA, FHA/203(k), and Conventional program requirements.
• Underwrite FHA 203(k) Standard and Limited renovation loans, including review of contractor bids, renovation budgets, feasibility studies, and required documentation.
• Evaluate borrower eligibility and creditworthiness in accordance with agency guidelines and investor overlays.
• Calculate income, assets, liabilities, and debt‑to‑income ratios following agency standards.
• Clearly communicate underwriting decisions, conditions, and stipulations to processors, loan originators, and internal stakeholders.
• Request, analyze, and validate supporting documentation to resolve discrepancies and ensure loan salability.
• Manage assigned pipeline to meet established service level agreements and turn‑time expectations.
• Stay current on VA, FHA/203(k), and Conventional guideline updates, regulatory changes, and investor requirements.
• Partner with processing, compliance, and closing teams to ensure accurate loan delivery and efficient workflow.
• Guide loan originators on program guidelines, qualification scenarios, and documentation requirements.
• Participate in quality control audits and respond to internal and external review findings as needed.

• Bachelor’s degree in business, finance, or a related field preferred; equivalent professional experience will be considered.
• 8+ years of mortgage underwriting experience, including direct, hands‑on underwriting of FHA and VA loans.
• In‑depth knowledge of agency guidelines, documentation requirements, and product nuances.
• Strong analytical, organizational, and decision‑making skills with exceptional attention to detail.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities in a fast‑paced, deadline‑driven environment.
• Proficiency with loan origination and underwriting systems.
• Active DE (Direct Endorsement) and/or SAR (Staff Appraisal Reviewer) designation required, a strong plus is experience with FHA 203(k).

• Experience underwriting FHA, VA, and Conventional loans in a wholesale environment.
• Ability to interpret complex agency guidelines and apply them to real‑world loan scenarios.
• Strong risk assessment and mitigation capabilities.
• Commitment to ethical lending practices and delivering a positive borrower experience.

Remote is an Option

WANTED:
Experienced Senior Mortgage Underwriter with active DE LAPP and SAR. Strong FHA 203(k) renovation experience is a plus

Our client is seeking an experienced Senior Mortgage Underwriter with proven, hands‑on expertise in FHA loans, especially 203(k) renovation loans (a strong plus), and VA mortgage programs. This role requires deep knowledge of government‑backed lending, strong analytical judgement, and a commitment to high‑quality, compliant underwriting.

The ideal candidate is comfortable evaluating complex loan scenarios, mitigating risk, and ensuring strict adherence to VA, FHA (including 203(k), and Conventional underwriting guidelines.

Work Remotely!

Competitive base pay with a tiered per-file bonus structure

Benefits:

• 401(k)
• Health, dental, and vision insurance
• Life insurance
• Paid time off
• Opportunities for career advancement

and so much more...