FHA underwriter

Job Title:

Underwriter - FHA

We are committed to providing a competitive and equitable total rewards package. The compensation for this role is designed to attract, retain, and motivate top talent. The expected base salary range for this position is $90,000 to $100,000 annually.

• Responsible for the underwriting of residential loans, reviewing credit documentation and underwriting files to FHA guidelines (DE approved).
• Examine loan documentation for accuracy and completeness while working with loan originators or production staff to secure all required documents.
• May be involved in one or several types of mortgage lending (conventional, government‑backed, etc.).
• Work with more senior mortgage underwriters on loan exceptions, with authority to withdraw and decline loans.
• Respond directly to individual and investor audits.
• Critically examine credit, income and asset documents, review title policy and appraisals.
• Perform other job‑related duties and special projects as required.

• Time management skills and ability to prioritize workload based on daily production.
• Experience with underwriting to multiple lender guidelines and requirements, knowledge of Fannie Mae/DU and Freddie Mac/LP guidelines and AUS.
• Strong knowledge of state and federal laws pertaining to the mortgage banking industry (QM, ATR, RESPA, ECOA, AIR, etc.).
• Excellent customer service skills with strong attention to detail.
• Strong analytical skills required with a high degree of accuracy.

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

Rate offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company‑sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits;

well‑being benefits (e.g., employee assistance program); and other supplemental benefits (e.g., legal planning assistance, identity theft protection, pet insurance, wellness resources).