Top 36 Mortgage underwriter Jobs in Virginia

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
9d
Mortgage Underwriter II - Remote
Truist Bank —Richmond, VA
- $90,000 - $105,000 a year
- Full-time
- English
- Mid-level
- Office
- AD&D insurance
- Paid holidays
Underwriting Counsel (Virginia)
Williston Financial Group —Virginia
- Full-time
- Writing skills
- Office
- Presentation skills
Mortgage Loan Underwriter
Langley Federal Credit Union —Newport News, VA
- $57,100 - $72,000 a year
- Full-time
- Hybrid work
- Mid-level
- Office
- Bachelor's degree
- Paid holidays
- Loan repayment program
Quick Apply
MORTGAGE LOAN OFFICER (200BPS)
Modern Valley Home Loans LLC —Virginia
- $60,000 - $500,000 a year
- Urgently hiring
- Remote
- Mid-level
- Communication skills
- Work from home
- Opportunities for advancement
Quick Apply
1d
Level IV Underwriter
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC —Virginia Beach, VA
- $39 - $57 an hour
- Full-time
- Senior level
- Health insurance
- Dental insurance
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
Multifamily Senior Underwriter (Targeted Affordable Housing)
Freddie Mac —McLean, VA
- $131,000 - $197,000 a year
- Full-time
- Microsoft Word
- Finance
- Bachelor's degree
LEAN/MAP (HUD) Loan Underwriter
NuvoLogic Consulting —McLean, VA
- Contract
- Hybrid work
- Mid-level
- Residential
- Finance
- Commuter assistance
- Health savings account
Quick Apply
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
9d
Mortgage Loan Originator
United Financial Mortgage, LLC —Richmond, VA
- $50,000 - $100,000 a year
- Part-time
- Remote
- Customer service
- Basic math
- Mid-level
- Work from home
- Opportunities for advancement
Quick Apply
Loan Processor
Canter Financial —Richmond, VA
- $60,000 - $90,000 a year
- Mid-level
- Office
- Finance
Quick Apply
Senior Credit Administrator
New Peoples Bank —Bristol, VA
- $88,400 - $136,100 a year
- Full-time
- Customer service
- Office
- Bachelor's degree
Director, Sr UW
Newmark —McLean, VA
- Full-time
- 3 years
- Finance
- Bachelor's degree
Mortgage Loan Processor
STATE DEPARTMENT FEDERAL CREDIT UNION —Alexandria, VA
- Full-time
- Microsoft Word
- Microsoft Excel
- Mid-level
- Paid holidays
- Health insurance
PGIM Director, Deal Manager (Hybrid)
PGIM —Arlington, VA
- $145,000 - $165,000 a year
- Full-time
- Hybrid work
- Customer service
- Office
- 8 years
- Employee stock purchase plan
- Disability insurance
Loan Officer Asst/Loan Partner
Bank of the James —Charlottesville, VA
- Full-time
- Microsoft Excel
- Microsoft Outlook
- Mid-level
Mortgage Closing Consultant
CapCenter —Glen Allen, VA
- $45,000 - $80,000 a year
- Full-time
- Mid-level
- Finance
- Bachelor's degree
- Paid holidays
- Health insurance
Quick Apply
4d
Loan Officer
CityScape Metro Group —Reston, VA
- $150,000 - $200,000 a year
- Full-time
- Hybrid work
- Customer service
- Mid-level
- Communication skills
- Health insurance
- Dental insurance
Quick Apply
2d
PGIM Director, Deal Manager
Prudential —Arlington, VA
- $145,000 - $165,000 a year
- Full-time
- Hybrid work
- Customer service
- Office
- 8 years
- Employee stock purchase plan
- Disability insurance

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mortgage underwriter jobs near virginia

Senior Government Underwriter - FHA & VA

First Heritage Mortgage -
Fairfax, VA

Quick Apply

Job Details

Full-time
$85,000 - $110,000 a year
9 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

mortgage underwriter jobs in virginia

Senior Government Underwriter - FHA & VA

Mortgage Underwriter II - Remote

Underwriting Counsel (Virginia)

Mortgage Loan Underwriter

MORTGAGE LOAN OFFICER (200BPS)

Level IV Underwriter

Underwriter

Multifamily Senior Underwriter (Targeted Affordable Housing)

LEAN/MAP (HUD) Loan Underwriter

Underwriting - Senior Underwriter

Mortgage Loan Originator

Loan Processor

Senior Credit Administrator

Director, Sr UW

Mortgage Loan Processor

PGIM Director, Deal Manager (Hybrid)

Loan Officer Asst/Loan Partner

Mortgage Closing Consultant

Loan Officer

PGIM Director, Deal Manager

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