Senior Underwriter

Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible.

Here are some interesting facts to help you get to know Better:

• We’ve funded over $100 billion in loans for our customers, more than any other fintech
• Yahoo! Finance - Best Mortgage Lender for First Time Home buyers of January 2025:
  Best lender for quick approval
• Yahoo! Finance - Best Mortgage Lenders of 2025:
  Best online mortgage lender
• Fintech Breakthrough Award:
  Best Lending Innovation Award
• Money Magazine - 8 Best Mortgage Lenders of 2025:
  Best for fast closing
• We are Forbes’ Best Online Mortgage Lender for 2023
• We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world

We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.

Better is looking for a Senior Mortgage Underwriter with strong government loan experience to join our expanding team! In this role, you’ll use established underwriting guidelines to assess borrower financials and credit information alongside property valuations to guide lending decisions. As a Senior Underwriter, your responsibility will be to make informed, yet bold risk decisions based on your expertise and experience.

You’ll collaborate closely with the production team throughout the loan process to ensure seamless and timely closings. This position offers a unique opportunity to take on various roles, from reimagining the complex mortgage process, analyzing data for maximum impact, to working with skilled engineers and industry experts to tackle technical and operational challenges.

• Underwrite and decision FHA, VA, agency conforming, and jumbo residential mortgage loans
• Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents
• Review appraisal reports to identify and resolve any discrepancies discovered within
• Conduct thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to confirm loan eligibility
• Calculate qualifying ratios, assess creditworthiness, and provide risk assessments
• Work closely and effectively with cross-functional teams and departments on a daily basis

• Must be located in Irving, Texas area
• 5+ years of recent experience underwriting FNMA, FHLMC, FHA, VA, and Non-Conforming mortgages
• Active FHA DE and VA SAR designations required
• Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)
• Ability to work well in a high pressure, fast paced environment
• Must be able to carry a pipeline of 200+ loans
• Ability to carry out requisite loan calculations (DTI, LTV, etc.)
• Proven ability to thrive in a remote setting
• Manage multiple loan files simultaneously in a high-volume setting
• Strong written and verbal communication
• The drive to build something new
• HELOC experience a plus
• Excellent attention to detail, the ability to work efficiently under pressure, and a deep understanding of loan processes are essential in this role

• Day One Coverage – Your benefits begin on your first day, so you’re supported from the start
• Nationwide Medical, Dental & Vision Coverage – Comprehensive plans that travel with you, wherever you are
• Mental Health Support When You Need It – Immediate access to virtual therapy with licensed providers for you and your eligible dependents (ages 6+), with your first few visits covered at no cost!
• Health Savings Account (HSA) – Includes an employer contribution to help you plan for healthcare expenses
• Employer-Funded Dependent Care FSA – Support for childcare and/or dependent care costs
• Disability & Life Insurance – Provided at no additional cost to give you added peace of mind
• Flexible PTO – Time off when you need it, so you can recharge and focus on what matters most
• Extra Perks & Discounts – Including pet insurance, savings programs,…