Senior Mortgage Underwriter

WANTED:
Experienced Senior Mortgage Underwriter with active DE LAPP and SAR

This Jobot Job is hosted by:
Stephen Niedringhaus
Are you a fit? Easy Apply now by clicking the "Apply" button and sending us your resume.
Salary: $90,000 - $95,000 per year

A bit about us:

* Remote is an Option
* WANTED:
Experienced Senior Mortgage Underwriter with active DE LAPP and SAR and strong FHA 203(k) renovation experience

Our client is seeking an experienced Mortgage Underwriter with proven, hands-on expertise in FHA 203(k) renovation loans and VA mortgage programs. This role requires deep knowledge of government-backed lending, strong analytical judgment, and a commitment to high-quality, compliant underwriting.
The ideal candidate is comfortable evaluating complex loan scenarios, mitigating risk, and ensuring strict adherence to VA, FHA (including 203(k)), and Conventional underwriting guidelines.

Why join us?

Work Remotely!
Competitive pay
Benefits
401(k)
Health, dental, and vision insurance
Life insurance
Paid time off
Opportunities for career advancement
and so much more...

Job Details

Key Responsibilities

• Review and analyze mortgage loan applications, credit reports, income documentation, asset statements, and appraisals for compliance with VA, FHA/203(k), and Conventional program requirements.
• Underwrite FHA 203(k) Standard and Limited renovation loans, including review of contractor bids, renovation budgets, feasibility studies, and required documentation.
• Evaluate borrower eligibility and creditworthiness in accordance with agency guidelines and investor overlays.
• Calculate income, assets, liabilities, and debt-to-income ratios following agency standards.
• Clearly communicate underwriting decisions, conditions, and stipulations to processors, loan originators, and internal stakeholders.
• Request, analyze, and validate supporting documentation to resolve discrepancies and ensure loan salability.
• Manage assigned pipeline to meet established service level agreements and turn-time expectations.
• Stay current on VA, FHA/203(k), and Conventional guideline updates, regulatory changes, and investor requirements.
• Partner with processing, compliance, and closing teams to ensure accurate loan delivery and efficient workflow.
• Guide loan originators on program guidelines, qualification scenarios, and documentation requirements.
• Participate in quality control audits and respond to internal and external review findings as needed.

Qualifications

• Bachelor’s degree in business, finance, or a related field preferred; equivalent professional experience will be considered.
• 8+ years of mortgage underwriting experience, including direct, hands-on underwriting of FHA 203(k) and VA loans.
• In-depth knowledge of agency guidelines, documentation requirements, and product nuances.
• Strong analytical, organizational, and decision-making skills with exceptional attention to detail.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
• Proficiency with loan origination and underwriting systems.
• Active DE (Direct Endorsement) and/or SAR (Staff Appraisal Reviewer) designation required, particularly for FHA 203(k) and VA underwriting.

Preferred Skills

• Experience underwriting FHA, VA, and Conventional loans in a wholesale environment.
• Ability to interpret complex agency guidelines and apply them to real-world loan scenarios.
• Strong risk assessment and mitigation capabilities.
• Commitment to ethical lending practices and delivering a positive borrower experience.

If you are a Senior Underwriter and an expert in FHA 203(K) renovation and VA underwriting, do not wait! Apply today and/or email your latest resume to

Interested in hearing more? Easy Apply now by clicking the "Apply" button.

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