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Appraisal Underwriter Jobs (NOW HIRING)

AmeriSave Mortgage Corp.

Review and underwrite residential real estate appraisals to ensure compliance with investor, agency, and company requirements. * Analyze appraisal reports for completeness, accuracy, consistency, and ...

POINT MORTGAGE CORPORATION

UNDERWRITER

Chula Vista, CA · On-site

$0.01 - $0.02/hr

Review, update and run automated underwriting systems to determine risk, salability and reduced ... appraiser to obtain clarification of the appraisal when necessary. Submit qualifying loan ...

SERVION INC

Underwriter II

New Brighton, MN

$31.43 - $39.29/hr

Review appraisals, validate the estimated value, add required repairs in accordance with and issue the conditional/final approval * Complete all underwriting reviews in a timely manner, ensuring ...

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

Review appraisals, validate the estimated value, add required repairs in accordance with and issue the conditional/final approval * Complete all underwriting reviews in a timely manner, ensuring ...

Citizens

Appraisal Analyst II

Providence, RI · On-site +1

Appraisal Analyst II - Alternative Collateral Products Position Overview The Appraisal Analyst II - ... Document clear, defensible review notes to support underwriting decisions, audit review, and ...

Atlantic Bay

Underwriter

Direct Endorsement (DE) Certification and Staff Appraisal Reviewer (SAR) Certification preferred * Proficiency with DU and LP * Ability to underwrite all product types including Conventional, FHA, VA ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning ... If you are a skilled residential property appraiser or valuations specialist looking to join a ...

LBC Mortgage

Senior Underwriter

Los Angeles, CA · On-site

$106K - $125K/yr

Independently underwrite and approve Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR ... Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines * Calculate ...

LBC Mortgage

Senior Underwriter

California City, CA · On-site

$120K - $142K/yr

Independently underwrite and approve Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR ... Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines * Calculate ...

LBC Mortgage

Senior Underwriter

Orange, CA · On-site

$105K - $124K/yr

Independently underwrite and approve Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR ... Analyze collateral, appraisals, comps, market conditions, rehab budgets, and timelines * Calculate ...

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Appraisal Underwriter information

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$32.5K

$78.9K

$139.5K

How much do appraisal underwriter jobs pay per year?

As of Aug 23, 2026, the average yearly pay for appraisal underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What does an appraisal underwriter do?

An Appraisal Underwriter is responsible for reviewing real estate appraisals to ensure accuracy, compliance with regulations, and alignment with lending guidelines. They assess property valuations, verify appraisal reports, and identify potential risks in mortgage lending. Their role helps lenders determine whether a property's value supports the requested loan amount. Strong analytical skills, attention to detail, and knowledge of real estate market trends are essential for success in this role.

What are the key skills and qualifications needed to thrive as an appraisal underwriter?

To thrive as an Appraisal Underwriter, you need a solid understanding of mortgage underwriting, property valuation, and risk assessment, often supported by experience and relevant certifications such as a mortgage underwriter designation or a real estate appraisal license. Proficiency in loan origination systems (LOS), automated underwriting systems (AUS), and appraisal review software is essential. Strong analytical thinking, attention to detail, and effective communication skills help you excel in this position. These skills ensure accurate valuation analyses, regulatory compliance, and clear collaboration with underwriters, appraisers, and other stakeholders in the mortgage lending process.

What are some common career paths or advancement opportunities for appraisal underwriters?

Appraisal Underwriters often begin by handling basic residential valuation reviews and can progress into roles such as senior underwriter, appraisal manager, or risk management specialist. With experience and additional certifications, professionals may move into leadership positions overseeing teams, policy development, or specialized underwriting for complex commercial properties. Many organizations also offer opportunities to transition into related areas, such as loan origination, compliance, or quality control. Continuous professional development and networking can accelerate your career growth in the mortgage and real estate finance industry.

Is it hard to get a job in appraisal underwriting?

Getting a job as an appraisal underwriter can be competitive, but having relevant experience, industry certifications, and strong analytical skills can improve your chances. Entry-level positions may require knowledge of appraisal processes and familiarity with underwriting software. Networking and demonstrating attention to detail are also beneficial in securing a role.
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Appraisal Underwriter jobs near you
Infographic showing various Appraisal Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 88% Full Time, 10% Part Time, and 1% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Appraisal Underwriter II

Navy Federal Credit Union

Vienna, VA • On-site

Full-time

Posted 4 days ago

Navy Federal Credit Union rating

8.1

Company rating: 8.1 out of 10

Based on 275 frontline employees who took The Breakroom Quiz

63rd of 151 rated financial services

Job description


To underwrite Conventional and Equity loan appraisal reports. To apply the established guidelines of Navy Federal, secondary market investors, and regulatory agencies to determine the acceptability and marketability of the property, and ensure the collateral is sufficient to secure the requested loan.
Responsibilities
  • Manages a pipeline of appraisals; remains aware of pending due dates; monitors and acts upon appraisal updates and new assignments to ensure member service expectations are met
  • Communicates to production staff, appraisers, and appraisal vendors any changes, revisions, or corrections that occur after initial delivery of the appraisal; ensures timely follow up
  • Responds to inquiries from production staff and other business units concerning appraisals in review and advanced underwriting issues; addresses and documents issues in systems
  • Reviews and decisions appraisal reports; determines and adds conditions to loan file in systems; issues counter offers and denials
  • Reviews and considers effects of contracts related to property, such as age restrictions, HOAs, private water/septic/roads, etc.
  • Conducts a thorough examination of all components of the appraisal report, including supplemental appraisal forms, ensuring that deficiencies, repairs, or special requirements have been notated
  • Determines the acceptability and marketability of the property to ensure the collateral is sufficient to secure the loan
  • Utilizes information from all resources, such as the International Building Code, local building and zoning contacts, tax records, online real estate databases, member documentation, and title work to ensure an exceptional member experience without compromising risk level
  • Makes decisions regarding the acceptability of the investment risk using established Navy Federal, investor, and regulatory guidelines; recommends for denial or exception any properties that do not meet them
  • Communicates professionally, proactively, and confidently with appraisers, appraisal vendors, and business partner
  • Provides timely, accurate, and clear information based upon research conducted and/or existing knowledge
  • Collaborates with business partners to arrive at acceptable solutions; escalates complicated, urgent, and/or sensitive scenarios to supervisor; recommends and justifies exceptions
  • Prepares highly detailed communications to appraisers and appraisal vendors in accordance with Appraiser Independence and other regulatory requirements
  • Analyzes and facilitates member appeals; works with processing team to ensure appeals meet guidelines; takes appropriate follow up action
  • Supports the Appraisal Underwriting function
  • Maintains current knowledge of Navy Federal mortgage and equity products, and changes to investor guidelines and regulatory requirements that impact underwriting
  • Provides feedback to Appraisal Underwriting leadership for the development of policies, procedures, and training
  • Assists in the ongoing maintenance of online underwriting manuals
  • Works independently
  • Exercises judgment and discretion to analyze and solve more complex or unusual problems; assesses issues; may modify processes and procedures and develop alternate courses of action to complete work
  • Applies in-depth knowledge of processes and procedures; has developed conceptual and practical expertise in the field
  • Makes recommendations on or resolves a range of problems that have limited to moderate impact
  • Resolves issues escalated from level I; provides guidance to Level I and Appraisal Underwriting Specialists on the appropriate course of action to resolve issues
  • May assist the Supervisor in the preparation of summaries and reports for presentation to management
  • Thorough knowledge of the guidelines, policies, and regulations that impact underwriting
  • Performs other related duties as assigned

Qualifications
  • Significant underwriting experience to include appraisal only and/or full credit, FHA, VA, Equity, and/or Conventional loans
  • Demonstrated in-depth knowledge of underwriting principles, secondary market (FNMA and FHLMC) and/or government (FHA/VA) guidelines, and relevant regulatory requirements
  • Demonstrated ability to analyze complex scenarios and determine/recommend exceptions
  • Desired - Current or prior conventional appraisal review experience, SAR/LAPP, and/or DE authority
  • Desired - Familiarity with Navy Federal policies, procedures, products, and services
  • Strong organization skills and ability to handle multiple tasks simultaneously with a high degree of accuracy in a high volume, fast paced environment
  • Strong verbal, written, and interpersonal communication skills to include experience counseling, negotiating, or explaining decisions to members and vendors

About Us
Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks.
Our approach to careers is simple yet powerful: Make our mission your passion.
  • FORTUNE 100 Best Companies to Work For® 2025
  • Yello and WayUp Top 100 Internship Programs
  • Computerworld® Best Places to Work in IT
  • Newsweek Most Loved Workplaces
  • 2025 PEOPLE® Companies That Care
  • Newsweek Most Trustworthy Companies in America
  • Military Times 2025 Best for Vets Employers
  • Best Companies for Latinos to Work for 2025
  • Forbes® 2025 America's Best Large Employers
  • Forbes® 2025 America's Best Employers for New Grads
  • Forbes® 2025 America's Best Employers for Tech Workers
  • 2025 RippleMatch Campus Forward Award Winner for Overall Excellence
  • Military.com Top Military Spouse Employers 2025
  • 2025 Handshake Early Talent Award

From Fortune. ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.
Equal Employment Opportunity: All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.
Accommodations: If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at medicalaccommodations@navyfederal.org or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.
Disclaimers: Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.
Protect Yourself from Job Scams: Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.
Bank Secrecy Act: Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.

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About Navy Federal Credit Union

Sourced by ZipRecruiter

Navy Federal Credit Union, based in Vienna, Virginia, United States, is a significant player in the financial services industry. Their official website is navyfederal.org. With its roots dating back to 1933, it was initially established to provide credit to Navy members. Over the years, Navy Federal has magnified its scope, evolving into a full-service credit union serving all branches of the military, the Department of Defense, veterans, and their families. The company’s core values include integrity, service, education, and leadership. Navy Federal aims to be the most preferred and trusted financial institution serving the military and their families.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Vienna, VA, US

Year founded

1933

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