Remote Mortgage Underwriter

Title

Real Estate Lending - Specialist / Mortgage Underwriter

• Start Date:
  
  8/17
• Shift (Time): 8:00am - 4:30pm (In your respective time zone)
• Overtime:
  Overtime will be available when there is a business need
• The expectation is that this is an open-ended contract and not necessarily a contract-perm situation.
• Hybrid requirement does not apply to candidates that are not within a 60-mile commutable distance to a training facility (Facilit​ies are located in: Vienna, VA | Winchester, VA | Pensacola, FL and Coppell, TX)

To evaluate and underwrite all mortgage loan types offered by the client according to specific state and federal requirements to limit the risk exposure to the client’s mortgage portfolio.

• Extensive Mortgage Underwriting or Loan Processing experience. Analyze loans to make a valid recommendation.
• True underwriting experience, calculating income and/or VA SAR ability.
• Ability to do a manual underwrite.
• The system pulls red flags to deny loans; for example Credit, income liabilities, etc. The team would manage that specific case load, identify which ones have the potential to clear and pass it along to a higher-level UW.
• Review collected documentation against company, NCUA, USPAP and all other relevant industry loan acceptance guidelines.
• Review contracts related to real estate, such as age restrictions, HOAs, etc.
• Work closely and collaborate with loan originator and processor to ensure all appropriate data is obtained.
• Collaborate with Mortgage leadership and participate in mentoring sessions for Mortgage Processors, Mortgage Closers, and Mortgage Loan Officers.
• Maintain current knowledge of all company mortgage products and any changes to guidelines by company, investor, or government agencies that impact the processing of mortgage loan products.

• Must have at least 1 year of Mortgage Underwriting experience.
• Knowledgeable of the Mortgage Industry.
• Familiar with agency guidelines (Fannie, Freddie, VA).
• Ability to quickly adjust.
• Quick decision making.
• Comfortable with conditions, especially DU conditions.
• Familiar with/ability to calculate income.
• Experience reviewing CBRs.
• Experience in a production-based environment.
• Conventional, FHA, VA, desktop underwriter/processing experience (certifications preferred, not required).
• UW experience is required;
  Equity Underwriting experience is beneficial and can be trained.

Hybrid or Remote depending on location. This is a Contract position based out of Trenton, NJ.

• Pay range: $22.02 – $39.93/hr.
• Medical, dental & vision.
• Critical Illness, Accident, and Hospital coverage.
• 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available.
• Life Insurance (Voluntary Life & AD&D for the employee and dependents).
• Short and long‑term disability.
• Health Spending Account (HSA).
• Transportation benefits.
• Employee Assistance Program.
• Time Off/Leave (PTO, vacation, or sick leave).

This position is anticipated to close on Jul 13, 2026.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

• San Francisco Fair Chance Ordinance:
  For all positions located in San Francisco, qualified applicants with arrest and conviction records will be considered.
• Massachusetts Lie Detector:
  It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.

Artificial Intelligence (AI) may be used to support parts of the hiring process, including sourcing, screening, and evaluating candidates. Final decisions are made by the hiring team.