Top 45 Underwriter Jobs in Fairfax, Va

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
10d
Mortgage Underwriter - AI Trainer
DataAnnotation —McLean, VA
- $50 - $100 an hour
- Part-time
- Remote
- English
- Mid-level
- Master's degree
Quick Apply
Mortgage Underwriter - AI Trainer
DataAnnotation —Chantilly, VA
- $50 - $100 an hour
- Part-time
- Remote
- English
- Mid-level
- Master's degree
Quick Apply
Underwriter
Atlantic Coast Mortgage LLC —Fairfax, VA
- $65,000 - $154,000 a year
- Full-time
- Mid-level
- Organizational skills
- Communication skills
Quick Apply
Junior Underwriter (VA)
Fintap —McLean, VA
- $58,000 - $65,000 a year
- Full-time
- Bilingual
- Microsoft Excel
- Office
- Health insurance
- Dental insurance
Quick Apply
Captives Underwriter
The Hartford —Alexandria, VA
- $124,000 - $199,800 a year
- Full-time
- Hybrid work
- Sales
- Customer service
- Office
Indirect Lending Underwriter
Northwest Federal Credit Union —Herndon, VA
- $80,720 - $137,248 a year
- Weekends as needed
- Customer service
- Mid-level
- Office
- Paid holidays
- Disability insurance
5d
Underwriting - Senior Underwriter
First Heritage Mortgage —Fairfax, VA
- $85,000 - $110,000 a year
- Full-time
- Analysis skills
- Quality control
- Mentoring
- Paid parental leave
- Health savings account
Quick Apply
11d
Multifamily Senior Underwriter (Targeted Affordable Housing)
Freddie Mac —McLean, VA
- $131,000 - $197,000 a year
- Full-time
- Microsoft Word
- Finance
- Bachelor's degree
Senior Production Underwriter
Berkley —Washington, DC
- $100,000 - $150,000 a year
- Full-time
- Remote
- 5 years
- Business development
- Analysis skills
- Profit sharing
- Health insurance
Underwriting Counsel
Stewart Title Guaranty Company —Washington, DC
- $130,588.32 - $217,647.19 a year
- Online Application
- Bachelor's degree
- Mentoring
- Senior level
- Employee stock purchase plan
- Health insurance
Analyst, Specialty Underwriting and Portfolio Management - Corporate & Sponsor Lending
Capital One —McLean, VA
- Email
- Military
- Mid-level
- Office
- Health insurance
4d
Senior Credit Underwriter
Bank of America —North Bethesda, MD
- $89,000 - $187,500 a year
- Full-time
- 7 years
- Bachelor of Science
- Writing skills
Multifamily Underwriting Senior Analyst (Affordable Housing)
Freddie Mac —McLean, VA
- $76,000 - $114,000 a year
- Full-time
- Microsoft Word
- Office
- Finance
9d
Underwriting Technical Assistant
Ryan Specialty —Washington, DC
- $22 - $28 an hour
- Full-time
- Mid-level
- Office
- Bachelor's degree
- Paid parental leave
- Paid holidays
Commercial Underwriter
ANDREWS FEDERAL CREDIT UNION —Suitland, MD
- $77,795.55 - $95,039.45 a year
- Research
- Mid-level
- Finance
- Free parking
- AD&D insurance
Quick Apply
12d
Principal, Multifamily Credit and Underwriting - Senior Housing
Fannie Mae —Washington, DC
- $175,000 - $239,000 a year
- Full-time
- Hybrid work
- Office
- Bachelor's degree
- Experience equivalent to degree accepted
Associate Underwriting Counsel – J.D. Required
First American Financial Corporation —Washington, DC
- Mid-level
- Analysis skills
- Organizational skills
- Employee stock purchase plan
- Health insurance
LEAN/MAP (HUD) Loan Underwriter
NuvoLogic Consulting —McLean, VA
- Contract
- Hybrid work
- Mid-level
- Residential
- Finance
- Commuter assistance
- Health savings account
Quick Apply
Sr Commercial Underwriter
National Cooperative Bank, N.A. —Arlington, VA
- Hybrid work
- Bachelor of Science
- Research
- Office
Quick Apply

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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
10 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

Refine Your Search

underwriter jobs in fairfax, va

Senior Government Underwriter - FHA & VA

Mortgage Underwriter - AI Trainer

Mortgage Underwriter - AI Trainer

Underwriter

Junior Underwriter (VA)

Captives Underwriter

Indirect Lending Underwriter

Underwriting - Senior Underwriter

Multifamily Senior Underwriter (Targeted Affordable Housing)

Senior Production Underwriter

Underwriting Counsel

Analyst, Specialty Underwriting and Portfolio Management - Corporate & Sponsor Lending

Senior Credit Underwriter

Multifamily Underwriting Senior Analyst (Affordable Housing)

Underwriting Technical Assistant

Commercial Underwriter

Principal, Multifamily Credit and Underwriting - Senior Housing

Associate Underwriting Counsel – J.D. Required

LEAN/MAP (HUD) Loan Underwriter

Sr Commercial Underwriter

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