Mortgage Underwriter (100% Remote)

Remote Mortgage Underwriter

Location: 100% Remote

Overview

We are seeking experienced Mortgage Underwriters to join our team. This role is critical in evaluating loan applications, ensuring compliance, and delivering high-quality underwriting decisions. With multiple openings available, we are looking for dedicated professionals who are eager to contribute long-term.

Responsibilities

• Review and assess loan files submitted by broker clients for compliance with FHA, VA, and conventional lending guidelines.
• Collaborate with loan structure and income teams to finalize approvals.
• Perform thorough credit analysis and process final approval files daily.
• Ensure loans meet investor guidelines and adhere to quality control standards (FHA UW, HUD UW, VA UW, VA IRRL, VA SAR, TrumsID Registration).
• Maintain compliance and mitigate risk throughout the underwriting process.

Qualifications

• Minimum 3 years of frontline originations underwriting experience (loss mitigation or servicing underwriting experience does not qualify).
• Knowledge on Conventional
• FHA/DE Certified or SAR/LAPP Certs is a plus but not required
• Experience with Encompass and proficiency in Excel preferred.
• Familiarity with FHA, HUD, VA, VA IRRL, VA SAR, and TrumsID Registration processes.

Skills

• Mortgage underwriting
• Credit analysis
• FHA, VA, and Conventional loan guidelines
• Risk assessment and compliance

Why Join Us?

• 100% remote work
• Opportunity to work on diverse loan products and complex underwriting scenarios.
• Competitive compensation and benefits package.

Job Type & Location

This is a Contract to Hire position based out of Plano, TX.

Pay and Benefits

The pay range for this position is $31.25 - $31.25/hr.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 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)

Workplace Type

This is a fully remote position.

Application Deadline

This position is anticipated to close on Mar 20, 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.