🌟 Remote FHA Mortgage Underwriter

💼 $85,000 Annual Salary | Full-Time | Work-From-Anywhere in the U.S.

✨ Our Story Begins Here...

Every great company starts with a spark. Ours? It was a bold idea: to simplify mortgage underwriting without sacrificing accuracy or compassion.

Picture a small but fiercely passionate team crowded around laptops in a makeshift living room-office hybrid, all buzzing with one goal: to reimagine how homeownership dreams are made real. Fast forward a few years, and here we are: an industry-respected, tech-forward lending team rewriting the rules of modern mortgage underwriting.

We’ve blended deep financial expertise with forward-thinking technology, creating a culture that celebrates curiosity, thrives on innovation, and values every voice, especially yours.

🏡 About the Role

You'll fit right in if you’re fluent in FHA guidelines, love digging into data trails, and are obsessed with accuracy (but occasionally laugh at underwriting memes).

As our Remote FHA Mortgage Underwriter, you’ll be at the heart of the loan process, using your sharp instincts and detailed judgment to evaluate risk, ensure compliance, and greenlight mortgage decisions that make a difference in people’s lives.

This isn’t your average underwriting gig. This is a high-trust, high-impact role where your precision becomes someone’s new address.

🔍 Key Responsibilities

✔️ Analyze mortgage applications to determine creditworthiness and eligibility following HUD/FHA guidelines.

✔️ Review income documentation, tax returns, credit reports, appraisals, and other key documents for accuracy and compliance.

✔️ Issue loan approvals, denials, or conditions while upholding quality assurance and internal service level agreements.

✔️ Work closely with loan officers, processors, and compliance teams to facilitate seamless, transparent communication.

✔️ Utilize modern underwriting platforms and tools to maintain audit-ready files.

✔️ Stay ahead of industry changes, FHA policy updates, and lending innovations.

✔️ Lead with logic and empathy—balancing risk with a real-world understanding of applicants’ unique stories.

🧠 Why You’ll Thrive Here

Our underwriting culture is built on clarity, not chaos. Here, creative problem-solving is encouraged, and perfection is not an obsession—it’s a process.

We believe in:

• 🧹 Collaborative decision-making, not corporate silos
• ⚙️ Smart systems that streamline your workload, freeing you up to concentrate on critical thinking
• 🎯 Empowering our team to challenge outdated workflows
• 💬 Weekly feedback loops to refine, improve, and ideate
• 🎓 Continual learning with FHA trends and compliance insights at your fingertips

We’ve eliminated unnecessary bureaucracy so you can do what you do best—underwrite smart, write clean, and deliver confidence.

👨‍💻 Tools, Tech & Workflow

You’ll be using a streamlined suite of digital tools that are as powerful as they are intuitive:

• Encompass LOS – your underwriting control tower
• Automated Underwriting Systems (DU/LP)
• 🗞️ Integrated income verification software for document clarity
• 📲 Slack + Zoom + Trello – real-time collaboration tools that work as hard as you do
• 📈 Reporting dashboards for insight into productivity, turn-times, and accuracy trends

No outdated legacy systems. No Excel madness. Just smart, clean tech for smarter underwriting.

🎓 You’ll Excel If You...

✅ Have 3+ years of direct FHA underwriting experience (DE certification preferred)

✅ Know HUD 4000.1 guidelines like the back of your hand

✅ Are a master of discretion when handling sensitive financial data

✅ Can confidently handle remote collaboration and asynchronous workflows

✅ Think in frameworks, work with precision, and write underwriting notes that others envy

✅ Appreciate good humor, coffee memes, and the occasional GIF during Slack standups

🌍 Work Environment & Culture

🌈 100% Remote – work from your living room, home office, or favorite quiet café.

⏰ Flexible hours – as long as SLAs are met, your schedule is yours to shape.

💬 Weekly virtual team chats & digital “water cooler” convos keep us connected.

🎉 Quarterly team meetups and optional retreats (yes, we’ve done one in the mountains!)

🚀 Merit-driven growth, not tenure-based stagnation. Your talent earns your trajectory.

We’re not interested in micromanaging. We hire smart people and trust them to deliver excellence with autonomy.

🌱 Opportunities for Growth

Our team is scaling fast, and with it, so are career elevation paths:

• Step into Senior Underwriter or Team Lead roles as we expand
• Join task forces on automation, AI in lending, or new product development
• Get involved in mentorship, policy writing, and cross-functional innovation projects

This isn’t a stagnant seat at a desk—it’s a launching pad for your ideas and career ambitions.

💬 What Our Team Says

"I’ve worked at banks, brokerages, and big-box lenders—this place is different. You’re treated like a strategist, not just a checklist jockey."
– Lisa M., Senior FHA Underwriter (Remote)

🏁 Ready to Apply?

If you're the kind of person who:

✨ Sees beyond checklists and finds stories in spreadsheets

💡 Dreams of creative solutions to legacy lending problems

📬 And wants a remote underwriting job that doesn’t feel robotic...

👉 Apply now and help us underwrite the future—one home at a time.