Mortgage Underwriter

Contract Mortgage Underwriter

Contract | Remote | Per-File Compensation

Focus One Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality.

This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area.

The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines.

• Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions
• Review and analyze loan documentation including:
  • Credit reports
  • Income and asset documentation
  • Tax returns and bank statements
  • Appraisals and collateral documentation
• Ensure loans meet Fannie Mae, investor, and company underwriting guidelines
• Identify and assess risk factors and mitigating circumstances
• Review conditions and perform Clear-to-Close (CTC) reviews as assigned
• Communicate underwriting decisions and conditions clearly to internal production staff
• Maintain quality, consistency, and compliance while meeting established turn-time expectations

• Minimum 5 years of recent conventional mortgage underwriting experience
• Strong working knowledge of Fannie Mae guidelines
• Experience underwriting wage-earner income (self-employed or complex income not required)
• Ability to manage workload independently and meet SLA-based deadlines
• Strong written and verbal communication skills
• Experience with Encompass preferred
• Proficient with Microsoft Office tools

• Independent contractor (1099)
• Per-file compensation
  , based on performance and turn times
• Work volume provided based on business needs
• Equipment, licensing, and work environment provided by contractor