Remote Mortgage File Underwriter

Ignite Your Career in the Digital Mortgage Space

Imagine combining the precision of underwriting with the freedom of working from anywhere. As a Remote Mortgage File Underwriter, you will review loan files and redefine how modern home financing operates. Our organization is charting a bold course through the rapidly evolving fintech landscape, and we're looking for sharp, adaptable professionals who want to help shape the future of mortgage lending.

We pride ourselves on being forward-thinkers—creators of intuitive systems, advocates of client trust, and believers in balance. Here, your skills aren’t just valued, they’re vital.

About the Role

Purpose and Impact

This role calls for someone who understands the nuances of residential loan files, knows the ins and outs of borrower documentation, and thrives on making tough calls with clarity and confidence. You’ll evaluate everything from credit reports to collateral assessments, ensuring every file meets investor, agency, and internal compliance standards.

Your Day-to-Day Responsibilities

• Review and analyze mortgage loan documentation for completeness and accuracy.
• Underwrite conventional, FHA, VA, or USDA mortgage files per guidelines
• Validate borrower income, employment, assets, liabilities, and creditworthiness
• Identify red flags and potential fraud indicators
• Communicate effectively with processors and loan officers for missing or unclear items.
• Maintain knowledge of industry trends, updates, and underwriting tools
• Deliver decisions within established turnaround times
• Update internal systems with status, decisions, and rationale

The Creative Work Environment

Virtual but Vibrant

This isn’t your average work-from-home role. We’ve built an ecosystem of digital collaboration tools, wellness support systems, and personal development resources. Picture coffee chats via Slack, real-time file review parties, and team-wide virtual hackathons, encouraging underwriting innovation.

Flexibility That Fuels Productivity

You'll work independently but never in isolation. Weekly syncs, transparent leadership, and agile workflows empower you to succeed without sacrificing time.

We believe that when you have room to breathe, you also have space to create. Our team embraces diversity in thought, encouraging everyone to bring their whole selves to work. Whether you prefer early mornings or late nights, you’ll find room to do your best thinking when it suits you most.

Tools & Technology You’ll Use

• Encompass or similar LOS (Loan Origination System)
• Automated underwriting systems (AUS) such as DU, LP
• Remote document management tools (e.g., DocuSign, Box)
• Compliance software for regulatory monitoring
• Video conferencing platforms for team check-ins and file reviews

What Makes You a Great Fit

Required Qualifications

• Minimum 3 years of mortgage underwriting experience
• In-depth knowledge of agency guidelines (Fannie Mae, Freddie Mac)
• Proficient in AUS systems and modern LOS platforms
• Strong judgment and attention to detail
• Comfortable working independently in a fully remote setting

Bonus Points For

• DE/SAR/LAPP Certification
• Experience with non-QM or jumbo loan files
• Familiarity with remote compliance auditing practices

Growth Path and Advancement

Join a team that invests in your future. Our professional development roadmap offers:

• Monthly learning labs on compliance updates and underwriting strategies
• Quarterly innovation sprints with cross-functional mortgage tech teams
• Internal mobility for roles such as Underwriting Manager or Loan Risk Consultant

You’ll also have opportunities to contribute to internal projects that optimize underwriting processes and create more streamlined workflows using AI-powered automation and quality control benchmarks.

In addition, mentorship opportunities are available for those interested in shaping the next generation of mortgage professionals. Whether you aspire to lead a team, innovate compliance tools, or become a subject matter expert, we’ll help you build the roadmap to get there.

Compensation & Benefits

What You’ll Receive

• Annual salary: $104,392
• Full health, dental, and vision benefits
• Annual bonus incentives based on performance metrics
• Home office stipend and ergonomic equipment
• 401(k) plan with generous employer match
• Paid time off, including personal wellness days
• Access to remote wellbeing initiatives, including mental health support, fitness programs, and career coaching

Your Next Chapter Starts Here

Why wait to make an impact when you could start today? If you're a mortgage professional who thrives on solving puzzles, loves data-backed decision-making, and wants to contribute to something bigger than yourself, this is your opportunity.

Apply now and redefine remote mortgage excellence.