Remote Underwriter (Conventional/Government)

Job Description
The Mortgage Underwriter is responsible for reviewing, analyzing, and underwriting residential mortgage loan files to ensure compliance with Conventional and Government loan program guidelines, including FHA, VA, and USDA. This role ensures the origination of high‑quality, investment‑grade loans while meeting regulatory, investor, and company standards.
Key Responsibilities

Underwrite Conventional (FNMA/FHLMC) and Government (FHA, VA, USDA) mortgage loans in accordance with agency guidelines, investor requirements, and internal policies
Review and analyze borrower credit, income, assets, liabilities, and collateral to determine loan eligibility and risk
Interpret and apply investor overlays and agency updates to underwriting decisions
Issue loan approvals, conditions, counteroffers, or denials with clear documentation and rationale
Review appraisal reports, title work, and supporting documentation to ensure compliance and loan salability
Ut...