Government Mortgage Underwriter
Job in
Jacksonville, Duval County, Florida, 32277, USA
Listed on 2026-06-12
Listing for:
Dream Finders Homes Inc
Full Time
position Listed on 2026-06-12
Job specializations:
-
Finance & Banking
Financial Consultant, Banking & Finance, Mortgage Loan Originator / Advisor, Loan Officer
Job Description & How to Apply Below
Position Overview
A Government Mortgage Underwriter is responsible for underwriting complex loan applications and managing an assigned loan pipeline. Additionally, a person in this position is responsible for:
* Underwriting Government (VA/FHA/USDA), Conventional (Fannie Mae/Freddie Mac) Loans.
* Ensures loans approved are salable and conform to applicable investor and insurer guidelines.
* Keeping up with the most recent investor and insurer guidelines/programs.
* Adhering to company policy and procedures
* Analyzing borrower income (all income types), assets and credit/liabilities documentation.
* Calculating simple and complex income types.
* Ensuring loans within the assigned pipeline close timely
* Ensure assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
* Reviewing and solving complex loan issues
* Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders
* Researching and responding timely to internal Quality Assurance and Quality Control reviews
* Report material process and policy infractions/gaps to Underwriting Leadership.
* An Underwriter reports directly to an Underwriting Manager.
Required Experience:
* Current VA SAR Designation-2 years minimum.
* 5+ years of mortgage underwriting experience (New build preferred).
* Excellent working knowledge of all underwriting guidelines
* Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA)
* Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies
* Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
* Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
* Able to define problems, collect data, establish facts and provide information to resolve the situation.
* Able to work well under pressure, meet multiple and sometimes competing deadlines.
* Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
* Basic computer skills required: word processing, email, and mortgage software.
Preferred Experience:
* 2- 3 yrs of Ellie Mae Encompass Loan Origination System Experience
* Microsoft Excel proficiency
Expectations:
* Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service.
* Maintain a high level of integrity, confidentiality, and trust.
* Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures.
* Meet established productivity, loan quality and task management standards.
* Ensure confidentiality of client records.
* Demonstrate a commitment to the Company Culture.
* Respond to phone calls and emails within the same workday.
Workplace Requirements:
* Able to navigate a standard office environment (remotely)
#jethomeloans #mortgagejobs #newhomesales
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