Remote VA Mortgage Underwriter

Position Overview

Are you passionate about helping veterans achieve homeownership? As a Remote VA Mortgage Underwriter, you will be pivotal in reviewing, analyzing, and approving VA mortgage loan applications while working from home. This is an opportunity to grow within a values-driven organization where your contributions directly support our mission to serve those who served. You’ll work alongside professionals driven by impact, quality, and a shared purpose to deliver life-changing financial solutions.

This opportunity suits professionals who excel in high-accountability environments and possess an analytical mindset. You’ll play a key part in ensuring accurate loan decisions, delivering efficient service, and helping veterans navigate their home financing journey. In this position, every file you touch becomes part of a veteran’s future, making your work essential and profoundly meaningful.

Key Responsibilities

Underwriting and Loan Evaluation

• Analyze borrower financial data to assess risk and ensure the loan meets VA criteria.
• Scrutinize credit reports, income statements, tax returns, and bank statements.
• Evaluate property appraisals for accuracy and compliance with VA valuation standards.
• Utilize tools like Desktop Underwriter (DU) and Loan Prospector (LP) to aid in loan decisions.
• Recommend loan conditions, suspensions, or denials with a well-supported rationale.

Compliance and Documentation

• Ensure full adherence to VA guidelines, investor requirements, and internal policies.
• Monitor documentation for accuracy, completeness, and consistency.
• Keep thorough digital records of decisions, conditions, and communications.
• Maintain updated knowledge of changing regulatory landscapes and VA bulletins.
• Participate in internal audits and respond swiftly to any corrective actions required.

Decision-Making and Communication

• Deliver clear, concise decisions backed by thoughtful explanations.
• Communicate directly with loan officers and processors to clarify outstanding conditions.
• Uphold accuracy and professionalism across all remote communication platforms.
• Use critical thinking to address exceptions and offer risk-based solutions.
• Promote a culture of open dialogue, respectful feedback, and cross-functional support.

Required Skills and Qualifications

Core Competencies

• In-depth understanding of VA mortgage requirements and lending practices.
• Strong command of loan origination systems (e.g., Encompass, Calyx Point).
• Skilled at interpreting complex financial documents and borrower profiles.
• Ability to balance compliance requirements with business efficiency.
• Exceptional organizational and time-management abilities.

Education and Experience

• High school diploma required; associate or bachelor's degree in finance or related field preferred.
• 3+ years of experience in residential mortgage underwriting, including 1+ years with VA loans.
• Familiarity with federal housing regulations, VA Circulars, and investor overlays.
• DE or SAR credential is highly desirable but not mandatory.
• Ongoing education or VA continuing education units (CEUs) are a plus.

Tools and Technology

Platforms and Systems

• Competence using Encompass or similar loan origination software is essential.
• Experience with automated underwriting systems (AUS) such as DU and LP.
• Proficiency with Microsoft Excel, Adobe Acrobat, and cloud-based documentation tools.
• Ability to work within remote communication ecosystems like Slack, Zoom, or Microsoft Teams.
• Strong data security awareness is required when managing confidential borrower information.

Work Environment

Remote Flexibility and Collaboration

• Enjoy full-time remote flexibility with the support of a tech-enabled infrastructure.
• Collaborate with colleagues across underwriting, processing, and funding teams in real time.
• Attend virtual training, compliance refreshers, and team-building sessions.
• Tools and dashboards are tailored to optimize productivity in a remote-first culture.

Supportive and Inclusive Culture

• Be part of a team that believes in accountability, encouragement, and shared wins.
• Work in an environment that values inclusion, diversity of thought, and mutual respect.
• Engage in virtual meetups, internal recognitions, and performance-based acknowledgments.
• Our mission-centric culture ensures every decision aligns with serving veterans.

Career Growth and Advancement

Development Opportunities

• Access personalized development plans and performance coaching.
• Participate in loan guideline workshops, underwriting mastery courses, and certification prep.
• Clear advancement tracks into senior underwriting, audit, or underwriting leadership roles.
• Get involved in pilot programs that shape the future of remote mortgage operations.
• Grow your career in a company that rewards consistency, curiosity, and initiative.

Compensation and Benefits

Salary and Perks

• Competitive annual salary of $75,375, reviewed annually based on performance.
• Robust benefits offer comprehensive health, dental, vision, and mental wellness support coverage.
• Paid time off, floating holidays, and additional leave for service-related causes.
• Retirement plan with company contributions and financial planning assistance.
• Work-from-home stipend for setting up and maintaining a productive home office.

Call to Action

If you’re seeking a role where your work truly matters and contributes to a greater mission, we invite you to apply. This is more than just underwriting—it’s empowering veterans to build stability and achieve the dream of homeownership. Join a team that values your expertise, supports your goals, and celebrates your impact. Step into a future where your decisions make lasting differences. Apply today and be the trusted expert veterans count on.