Remote DE Mortgage Underwriter (Direct Endorsement)

Introduction: Join a Legacy of Precision and Integrity

We seek an experienced Remote DE Mortgage Underwriter (Direct Endorsement) to join a dynamic, disciplined team that delivers reliable mortgage solutions. In this role, you'll underwrite FHA mortgage loans while working remotely in a collaborative environment that values your autonomy and technical expertise. With a focus on excellence, accuracy, and compliance, you’ll help families move into homes confidently and fully transparently. Our work culture emphasizes efficiency, ongoing growth, and a shared sense of purpose.

Key Responsibilities

• Underwrite FHA mortgage loan files with Direct Endorsement authority while ensuring full compliance with HUD regulations and investor guidelines.
• Assess all aspects of a mortgage file, including borrower income, employment, assets, credit, and property appraisals.
• Deliver accurate, timely underwriting decisions with detailed reasoning, including approvals, suspensions, and declinations.
• Review and validate automated underwriting system results, ensuring they align with manual underwriting standards when necessary.
• Communicate effectively with loan officers, processors, and closing teams regarding outstanding conditions or file discrepancies.
• Provide consistent guidance to internal teams about regulatory updates and investor overlays.
• Maintain productivity metrics while upholding quality expectations with minimal underwriting defects.
• Assist in post-closing review processes or respond to audit inquiries from HUD or investors when required.

Qualifications and Skills

Required Experience and Credentials

• Active FHA DE Underwriter Certification with current Direct Endorsement approval
• At least 3 years of experience in FHA and conventional mortgage loan underwriting
• Familiarity with a variety of loan products, including purchase, refinance, and cash-out transactions

Technical Proficiency

• Proficiency in DU (Desktop Underwriter) and LP (Loan Product Advisor)
• Knowledge of Encompass or equivalent LOS systems, and experience navigating digital document repositories
• Strong ability to identify guideline exceptions and escalate appropriately

Personal Competencies

• High attention to detail with a track record of accurate decision-making under deadlines
• Strong interpersonal and written communication abilities
• Refined analytical thinking with a knack for addressing intricate borrower profiles
• Self-motivated, dependable, and comfortable working independently in a virtual environment

Work Environment

• 100% remote structure enables you to manage your workflow in a distraction-free home setup
• Collaboration is encouraged through scheduled video calls, instant messaging, and shared platforms
• Our underwriting team operates on mutual respect and collective success, where feedback and input are encouraged
• Managers support flexibility while maintaining accountability and transparency across the organization
• Access to ongoing training sessions, policy refreshers, and learning portals ensures constant professional growth

Technology & Tools

• Cloud-based Loan Origination Software (LOS) for document and pipeline management
• DU and LP systems for real-time automated underwriting results
• Secure platforms for document exchange and compliance monitoring
• Workflow tracking dashboards and underwriting analytics to support performance insights

Success Indicators

• Consistently meet or exceed underwriting productivity benchmarks for loan decisions per day.
• Low recondition rate due to high-quality initial underwriting
• Recognition for minimizing file touchpoints and improving file turn times
• Contribution to process optimization through system usage feedback and compliance insight

Compensation & Benefits

• Annual Salary: $78,878
• Quarterly performance bonuses based on underwriting volume and quality scores
• Paid vacation, sick leave, and observed holidays
• Robust health benefits plan covering medical, dental, and vision care
• 401(k) retirement plan with employer match
• Reimbursement for continuing education and certification renewals

Career Growth Opportunities

• Learn advanced risk analysis methods and emerging tech trends in digital underwriting.
• Participate in projects involving underwriting automation or system improvements.
• Mentorship opportunities and pathways to senior roles or management-level positions
• Company-sponsored attendance at industry seminars, webinars, and mortgage lending conferences

Why You Belong Here

As a DE Mortgage Underwriter, your role is vital in maintaining lending integrity and promoting responsible homeownership. You bring precision and foresight to each decision you make. Our company recognizes the importance of expert underwriting in today’s market and invests in those who carry that responsibility. We don’t just expect excellence—we celebrate it through recognition, continued investment in your development, and creating an inclusive space where your work truly matters.

Call to Action: Take the Next Step in Your Career

If you're ready to grow with a company that values your judgment, expertise, and dedication to quality, apply now for the Remote DE Mortgage Underwriter position. This is more than just a job—it's a place where your attention to detail will help build futures and drive mortgage excellence from wherever you call home.