Mortgage Underwriter
Remote · United States
Job Summary
Underwrite Conventional, VA, and FHA loans for 1-4 unit residential properties including primary residence, second home, and investment properties. Evaluate loan applications for credit, assets, and collateral; ensure compliance with agency and investor guidelines; place and clear conditions to approval in a timely manner to support on-time closings. Communicate with processors, underwriters, loan officers, funders, post-closing, and production managers regarding file documentation and any restructuring needed to meet eligibility. Decide on loan qualification outcomes (approve, conditionally approve, or reject) and ensure adherence to investor overlays, with attention to detail and risk management.
Required Qualifications
- Minimum of two (2) years Mortgage Underwriting Experience is required
- Excellent Communication Skills
- Encompass LOS experience is a Must
- Proficient with conventional mortgage loans, FHA, VA, USDA, State Bond programs, and renovation loan programs
- Detailed and Organized
- Suitable home internet connection
- College Degree preferred
- Must not appear on the Freddie Mac Exclusionary List or Excluded Parties List (EPLS), be subject to a Limited Denial of Participation (LCP) or otherwise restricted from participating in HUD programs
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