Remote Residential Mortgage Underwriter

Position Overview

Are you a detail-driven mortgage expert seeking a rewarding remote role? We are hiring a Remote Residential Mortgage Underwriter to join our growing lending operations. In this pivotal position, you will underwrite conforming and non-conforming residential loans while upholding compliance, creditworthiness standards, and customer experience expectations. You’ll bring a sharp eye for detail, a commitment to fair lending practices, and deep industry knowledge to every loan review. This role ensures high-quality underwriting decisions that align with investor standards and company values. You’ll be the first line of defense in protecting the integrity of our loan portfolio and maintaining our strong reputation in the market.

Key Responsibilities

• Evaluate residential mortgage applications for accuracy, completeness, and compliance with guidelines.
• Assess borrower risk by analyzing credit reports, income documents, appraisals, and other financial data.
• Maintain compliance with agency and investor guidelines, including FNMA, FHLMC, FHA, and VA.
• Render underwriting decisions and document detailed justifications for approval, suspension, or denial.
• Communicate clearly with loan processors, originators, and other internal stakeholders.
• Keep up with lending regulations and company policy updates.
• Meet service-level agreements (SLAs) and productivity expectations without sacrificing accuracy.
• Recommend opportunities for process improvement or risk mitigation.
• Participate in internal audits and quality assurance processes.
• Provide mentorship or training to junior underwriting staff when required.
• Collaborate with quality control departments to ensure loan integrity post-closing.
• Act as a resource for underwriting-related queries across internal departments.

Qualifications and Experience

• 3+ years of residential mortgage underwriting experience (conventional or government-backed).
• DE/SAR/LAPP certifications preferred.
• In-depth knowledge of automated underwriting systems (e.g., DU, LPA).
• Solid understanding of FNMA, FHLMC, FHA, VA, and USDA guidelines.
• Familiarity with current lending regulations, including TRID, RESPA, and ECOA.
• Strong analytical and decision-making skills.
• Excellent written and verbal communication.
• Ability to work independently in a fully remote environment.
• High school diploma required; college degree preferred.
• Exceptional planning abilities and the capacity to manage high-priority tasks across multiple files efficiently in a fast-paced setting high volume of files.
• Demonstrated ability to adapt to changing underwriting policies and market trends.

Tools and Technology Used

• Loan origination systems (Encompass, Calyx Point, etc.)
• Automated underwriting systems: Desktop Underwriter (DU), Loan Product Advisor (LPA)
• Electronic document management platforms
• Remote collaboration tools (Zoom, Teams, Slack)
• Productivity software (Microsoft Office Suite or Google Workspace)
• Quality control and audit tracking systems

Work Environment

This fully remote position allows you to manage your workload from home while staying connected with a supportive team. Provided you meet performance benchmarks, you’ll have the autonomy to structure your day and handle your tasks with minimal micromanagement. Our team values independence, mutual accountability, and the flexibility remote work brings to mortgage industry professionals.

Remote Culture and Support

We value work-life balance, accountability, and continuous professional growth. Our virtual office culture emphasizes open communication, mutual respect, and shared success. Team members stay connected through regular virtual meetings, chat support, and scheduled touchpoints that foster camaraderie even remotely.

Benefits and Compensation

• Annual salary of $75,375
• Performance-based bonuses
• Paid time off and flexible scheduling
• Health, dental, and vision insurance
• Retirement plan with company match
• Remote work allowance and technology stipend
• Ongoing training and certification support
• Employee recognition programs and wellness incentives

What Sets This Role Apart

• Direct involvement in shaping loan quality and borrower experience
• Opportunity to work with a forward-thinking, tech-enabled team
• Strong focus on career development and internal advancement
• Access to mentorship from experienced mortgage leaders
• Autonomy in managing your workflow with transparent expectations
• An inclusive culture where your ideas contribute to better systems and services
• Exposure to both conventional and government loan products

Career Growth Opportunities

• Progression to Senior Underwriter or Credit Risk Specialist
• Leadership training and project involvement
• Cross-training in mortgage operations, closing, or compliance
• Exposure to national-level underwriting standards and evolving market trends
• Opportunities to lead training initiatives or represent underwriting in interdepartmental projects
• Career mapping support and individual development planning

Ideal Candidate Profile

Traits for Success

• Professionals with sharp judgment and strong documentation skills
• Independent workers who still value collaborative feedback
• Quick learners are comfortable navigating technology and updates
• Ethical decision-makers who uphold fair lending standards
• People who remain focused under pressure and meet deadlines with confidence
• Candidates who show initiative and adapt quickly in dynamic situations
• Detail-oriented individuals who thrive in structured yet flexible environments
• Professionals who take pride in accurate, high-quality work that impacts real lives

Call to Action

Ready to build your mortgage career in a flexible and future-forward environment? Apply today to become part of a remote underwriting team that values accuracy, speed, and integrity. Your expertise will help shape reliable home lending outcomes for buyers nationwide, while supporting your professional growth. Take the next step—submit your application now and be part of a high-performing, mission-driven mortgage operation that recognizes your skills and rewards your impact.