Top 112 De/va underwriter Jobs

Senior Government Underwriter - FHA & VA
First Heritage Mortgage —Fairfax, VA
- $85,000 - $110,000 a year
- Full-time
- Hybrid work
- Background check
- High school diploma or GED
- Analysis skills
- Health savings account
- Health insurance
Quick Apply
4d
Underwriter I
M/I Homes —Columbus, OH
- Weekends as needed
- Customer service
- Research
- Mid-level
- Profit sharing
- Paid parental leave
Quick Apply
Mortgage Loan Underwriter (3+ years Experience) (In-Person)
Community First National Bank —Manhattan, KS
- Full-time
- Background check
- Mid-level
- Office
- Health savings account
- Health insurance
Quick Apply
Mortgage Underwriter III Gulfport Telecommuter 5130
Keesler Federal Credit Union —Gulfport, MS
- $36.67 an hour
- Microsoft Excel
- Microsoft Outlook
- Computer literacy
- Disability insurance
- Health insurance
Personal Lines Insurance Account Executive, High-Net-Worth
SolomonEdwards —Washington, DC
- $110,000 - $125,000 a year
- Email
- Remote
- Residential
- Analysis skills
- Senior level
Quick Apply
Personal Lines Insurance Account Executive, High-Net-Worth
SolomonEdwards —Summit, NJ
- $110,000 - $125,000 a year
- Email
- Remote
- Residential
- Analysis skills
- Senior level
Quick Apply
Sr Underwriter DE/VA/SAR
Orion Lending —Charlotte, NC
- Overtime
- Mid-level
- Quality control
- Mentoring
Mortgage Underwriter - DE/SAR
Rapid Mortgage —Remote
- Full-time
- Remote
- Mid-level
- 3 years
- Analysis skills
- Paid holidays
- Disability insurance
Quick Apply
Underwriter
Mercury Insurance Services, LLC —Los Angeles, CA
- $36,381 - $77,881 a year
- 8 hour shift
- Remote
- Writing skills
- Mid-level
- Bachelor's degree
- Paid holidays
- Health insurance
Underwriter (Non-QM)
UNION HOME MORTGAGE CORP —Remote
- Remote
- Mid-level
- Office
- 3 years
Quick Apply
Mortgage Underwriter
Efinity Mortgage —Remote
- $100,000 a year
- Remote
- 5 years
- Senior level
- Communication skills
Quick Apply
13d
Mortgage Underwriter (DE/LAPP/SAR)- Remote (Texas)
The Mortgage Talent Network —Texas
- $110 a day
- Full-time
- Remote
- 5 years
- Senior level
Quick Apply
Remote DE FHA Underwriter
Ruoff Mortgage —Fort Wayne, IN
- $70,000 - $80,000 a year
- Full-time
- Remote
- Microsoft Excel
- Microsoft Outlook
- Mid-level
- Paid holidays
- Health insurance
TPO Underwriter
UNION HOME MORTGAGE CORP —Remote
- Full-time
- Remote
- Mid-level
- 3 years
- Analysis skills
Quick Apply
FHA Streamline / VA IRRRL Underwriter
Village Capital & Investment —Draper, UT
- Full-time
- Remote
- 5 years
- Windows
- Analysis skills
- Health savings account
- Health insurance
Quick Apply
DE Underwriter IV
Paramount Residential Mortgage Group —Corona, CA
- $85,000 - $105,000 a year
- Full-time
- Writing skills
- Mid-level
- 3 years
- Health savings account
- Disability insurance
Senior Underwriter
Quontic —Mesa, AZ
- $99,000 - $126,000 a year
- Full-time
- Remote
- Finance
- High school diploma or GED
- Organizational skills
- Paid parental leave
- Health insurance
Quick Apply
Sr. Underwriter
Plaza Home Mortgage, Inc. —San Diego, CA
- $40.86 - $50.48 an hour
- Full-time
- Remote
- Microsoft Outlook
- Customer service
- Data analysis skills
- Paid holidays
- Health insurance
Senior Real Estate Underwriter
SECU —Remote
- $88,500 - $141,700 a year
- Full-time
- Remote
- Residential
- Analysis skills
- Experience equivalent to degree accepted
- Health insurance
- Dental insurance
Quick Apply
Senior Home Loan Jumbo Underwriter
Golden 1 Credit Union —Remote
- $49.55 - $58.00 an hour
- Full-time
- Remote
- Customer service
- Computer literacy
- 3 years
Quick Apply
13d

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Senior Government Underwriter - FHA & VA

First Heritage Mortgage -
Fairfax, VA

Quick Apply

Job Details

Full-time
$85,000 - $110,000 a year
4 days ago

Benefits

Health savings account
Health insurance
Dental insurance
401(k)
Flexible spending account
Paid time off
Employee assistance program
Vision insurance
401(k) matching
Life insurance
Referral program

Qualifications

Written communication
Clear verbal communication
Underwriting guidelines adherence
Underwriting
Federal Housing Administration (FHA) loans
Credit risk assessment
Fair Housing regulations
Appraisal review
Housing and Urban Development (HUD) regulations
Consumer lending analysis in risk and credit
High school diploma or GED
Analysis skills
Attention to detail
Industry knowledge of financial regulations
Document review
Organizational skills
Credit report review
FHA Direct Endorsement Certification
Collateral evaluation (loan underwriting)
Verification (borrower information)
Credit report analysis
Veterans Affairs (VA) loans
Encompass
Time management

Full Job Description

Position Summary:

The Senior Government Underwriter is responsible for reviewing and rendering credit decisions on FHA, VA, Conventional, and Non-Agency residential mortgage loan applications, ensuring full compliance with First Heritage Mortgage LLC, investor, and agency guidelines. This role requires expert-level knowledge of HUD and VA policies, strong risk assessment skills, and the ability to apply overlays consistently. The Senior Government Underwriter will utilize active FHA Direct Endorsement (DE) and/or VA SAR/LAPP authority to review credit, income, assets, and collateral, making sound credit decisions while mentoring junior underwriting staff and supporting complex loan scenarios.

Responsibilities and Duties:

Underwriting & Decisioning

· Review and validate credit, property, income, asset, and employment documentation for FHA, VA, USDA, and applicable state housing programs.

· Apply HUD Handbook 4000.1, VA Lender’s Handbook, investor overlays, and company guidelines to ensure compliance.

· Utilize DE and/or SAR authority to approve, suspend, counter-offer, or decline loan files.

· Review and analyze appraisals for accuracy, completeness, and acceptability under FHA and VA requirements.

· Identify and address red flags for potential fraud or misrepresentation.

Collaboration & Communication

· Prepare clear, concise underwriting summaries outlining the credit decision rationale.

· Communicate conditions and decisions effectively to Loan Officers, Processors, and other stakeholders.

· Support escalated scenarios and complex guideline interpretation requests.

File Management & Quality Control

· Review resubmissions and clear conditions to issue final approvals.

· Maintain quality underwriting standards to minimize audit findings and repurchase risk.

· Stay informed on guideline, regulatory, and compliance changes, ensuring timely application in daily work.

Mentorship & Leadership Support

· Provide guidance and training to less experienced underwriters and processing staff.

· Contribute to internal underwriting policy updates and procedural improvements.

Qualifications:

Required Skills/Abilities

· Exceptional written and verbal communication skills.

· Proven ability to document clear, defensible underwriting decisions.

· High attention to detail and strong analytical capabilities.

· Expertise in credit, income, and asset evaluation for FHA and VA lending.

· Proficiency in reviewing personal and business tax returns for income calculation.

· In-depth knowledge of underwriting policies, investor guidelines, and current regulatory requirements.

· Professional judgment to handle confidential borrower information with integrity.

· Strong time management and organizational skills to meet volume and turn-time goals. Education/Experience Requirements

· Minimum 5+ years recent FHA and VA residential mortgage underwriting experience.

· Active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing required.

· Experience underwriting USDA and state housing finance/bond programs preferred (Virginia Housing, Maryland Housing, etc.)

· Experience in a high-volume retail mortgage environment strongly preferred.

· Knowledge of Encompass Loan Origination System preferred.

Job Type: Full-time

Pay: $85,000.00 - $110,000.00 per year

Benefits:

401(k)
401(k) matching
Dental insurance
Employee assistance program
Flexible spending account
Health insurance
Health savings account
Life insurance
Paid time off
Referral program
Vision insurance

Application Question(s):

Do you have active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing?
Do you have knowledge of Encompass Loan Origination System?

Experience:

FHA and VA residential mortgage underwriting : 5 years (Required)

Ability to Commute:

Fairfax, VA 22030 (Required)

Work Location: Hybrid remote in Fairfax, VA 22030

Quick Apply

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