Remote DE Underwriter- California Residents

Senior DE Underwriter (Remote – California)

Our client is seeking an experienced Senior DE Underwriter to join a growing California-based mortgage lender. This position is fully remote but requires residency in the state of California.

The ideal candidate will have a strong underwriting background across both Agency and FHA products, an active Direct Endorsement (DE) certification, and the ability to analyze complex borrower profiles including self-employed income and alternative documentation loans.

• Underwrite and issue loan decisions for Fannie Mae, Freddie Mac, and FHA mortgage loans.

• Analyze personal and business tax returns, income, assets, credit, and collateral.

• Evaluate WVOE, P&L, Bank Statement, DSCR, and Asset-based documentation.

• Ensure loans meet investor and agency compliance standards.

• Communicate underwriting decisions and conditions clearly to internal teams.

• Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly.

• Maintain accuracy, efficiency, and strong turn times in a high-volume environment.

• Minimum 5 years of residential mortgage underwriting experience.

• Active FHA Direct Endorsement (DE) required. (used within past 11 months)

• Proficient in Encompass LOS
  , Core Logic Fraud Guard
  , and AUS systems (DU, LPA, Total Scorecard).

• Strong working knowledge of Agency and FHA guidelines.

• Skilled at income calculation for self-employed borrowers.

• Experience with
  Non-QM or alternative documentation loans preferred.

• Must be currently employed in the mortgage industry (no gaps exceeding 12 months).

• Must reside in California.

• Base Salary: $70,000–$100,000 (based on experience)

• Bonus: Monthly eligibility after 2 years (based on funding volume)

• Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days

• Schedule: Monday–Friday, 8:30 a.m.–5:30 p.m. PST

• Work Model: Remote – California residents only