DE Underwriter- in Office

DE Underwriter – On-site/Hybrid (North Hollywood or Brea, CA)

Salary: $70,000–$100,000 (DOE)
Schedule: Monday–Friday, 8:30 a.m.–5:30 p.m. PST
Employment Type: Full-time (eligible for overtime)
Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year

Our client, a California-based mortgage lender, is seeking an experienced DE Underwriter to join their growing underwriting team. This role may be based on-site or hybrid from either the North Hollywood or Brea office.

• Review and underwrite residential mortgage applications including Agency, FHA, and Non-QM products.
• Verify credit, income, and asset documentation with a focus on accuracy and compliance.
• Analyze tax returns, self-employed income, P&L statements, and business cash flow.
• Review WVOE, Bank Statement, DSCR, and Asset-based loans.
• Ensure all files meet FHA DE requirements and investor guidelines.
• Collaborate with Account Managers, Loan Officers, Processors, and Brokers to support timely loan decisions.
• Maintain updated knowledge of underwriting standards and investor policies.

• Active FHA DE (Direct Endorsement) designation required.
• Minimum 5 years of residential mortgage underwriting experience.
• 3+ years of Non-QM underwriting experience required.
• Proficient in Encompass LOS
  , Core Logic Fraud Guard
  , and running AUS (
  DU, LPA, Total Scorecard
  ).
• Experience analyzing self-employed income and complex loan structures.
• In-depth knowledge of Agency (Fannie/Freddie) and FHA guidelines.
• Have worked as a front line underwriter within the past 12 months.

Please note:

National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. All criteria are set forth by our client and must be followed exactly.