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De Underwriter Jobs (NOW HIRING)

Sun West Mortgage-Since 1980

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DE and VA Underwriter- Remote

Cerritos, CA · Remote

$110K - $150K/yr

We are seeking a seasoned DE and VA Underwriter to join our growing team. This individual will be responsible for making high-stakes, independent credit decisions that directly impact $20-$30 million ...

Bethpage

First Mortgage Underwriter

Bethpage, NY · On-site

$40.42 - $48.50/hr

FHA Direct Endorsement (DE) Underwriter Certification and VA (SAR) are required. The estimated salary for this role is $40.42 - $48.50 per hour. (FourLeaf Federal Credit Union offers a comprehensive ...

Rapid Mortgage

Mortgage Underwriter - DE/SAR

DE/SAR Mortgage Underwriter Location: Remote Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence Rapid Mortgage Company is a nationally recognized lender known for speed, service ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Description Position Summary Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Description Position Summary Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of ...

Equity Resources Inc

Mortgage Underwriter

Newark, OH · On-site

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

Minimum of 2 years' DE Underwriting experience with conventional and FHA loans ; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage ...

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De Underwriter information

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$32.5K

$78.9K

$139.5K

How much do de underwriter jobs pay per year?

As of Aug 28, 2026, the average yearly pay for de 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 is a DE underwriter?

DE Underwriters, or Direct Endorsement Underwriters, are mortgage professionals authorized by the U.S. Department of Housing and Urban Development (HUD) to review and approve FHA-insured loans. They are responsible for ensuring loan files meet all FHA guidelines, evaluating borrower qualifications, and assessing property eligibility. DE Underwriters have the authority to approve or deny loans without further HUD review, making their role critical in the FHA lending process. Their expertise helps protect lenders and borrowers by ensuring compliance and reducing risk.

What skills and qualifications are needed to thrive as a DE underwriter?

To thrive as a DE Underwriter, you need deep knowledge of FHA guidelines, mortgage underwriting experience, and a valid Direct Endorsement (DE) certification. Expertise in using loan origination systems and automated underwriting tools like DU or LP is typically required. Attention to detail, analytical thinking, and strong communication skills set top performers apart in this role. These competencies are crucial to ensure compliant lending decisions, minimize risk, and facilitate smooth mortgage processing.

What are common challenges DE underwriters face when reviewing complex mortgage applications?

DE Underwriters frequently encounter challenges such as assessing non-traditional income sources, evaluating unique property types, and ensuring compliance with ever-changing FHA guidelines. Balancing thorough risk assessment with timely decision-making is also a key aspect of the role. Collaborating closely with loan officers, processors, and compliance teams helps address these complexities while maintaining loan quality and customer satisfaction.

What is the difference between De Underwriter vs Insurance Underwriter?

AspectDe UnderwriterInsurance Underwriter
CredentialsTypically requires a relevant degree and industry certificationsRequires similar credentials, often including certifications like CPCU or ARM
Work EnvironmentWorks primarily in insurance companies or underwriting firmsWorks in insurance companies, brokers, or underwriting agencies
Job FocusEvaluates and approves insurance applications, assesses riskAssesses risk and determines policy terms for insurance applications

De Underwriters and Insurance Underwriters share similar roles in evaluating insurance applications and assessing risk. Both require relevant industry certifications and work within insurance companies or agencies. The main difference lies in terminology and regional usage, but their responsibilities and work environments are largely aligned.

Is underwriting a stressful job?

Underwriting is a detail-oriented role that can be stressful due to the need for accuracy, meeting deadlines, and assessing risk. It often requires strong analytical skills and the ability to handle high-pressure situations, especially during busy periods or when making critical decisions.
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De Underwriter jobs near you
Infographic showing various De Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 14% Part Time, 1% Temporary, and 4% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Mortgage DE/SARS Underwriter

Bridgeview, IL • On-site

MIDLAND FEDERAL SAVINGS AND LOAN ASSOCIATION
Commercial Banking • 11 - 50 employees
Learn more about MIDLAND FEDERAL SAVINGS AND LOAN ASSOCIATIONexternal

$65 - $100/hr

Other

Posted 10 days ago

Job description

Job Title: Mortgage DE/SARS Underwriter

Job Description

We are seeking an experienced and detail-oriented Mortgage DE/SARS Underwriter to join our dynamic team. This role is integral to helping our clients secure their home financing by evaluating mortgage applications for both creditworthiness and compliance with all applicable regulations.

Key Responsibilities
  • Review and analyze mortgage loan applications to ensure accuracy, completeness, and compliance with DE (Direct Endorsement) guidelines and SARS (Suspicious Activity Reporting System) requirements.
  • Assess applicants' financial status, credit, and property evaluations to determine risk and eligibility for loan approval.
  • Verify documentation that includes applicants’ income, credit history, collateral, and employment details.
  • Collaborate with loan officers, processors, and clients to facilitate smooth processing and approval of mortgage applications.
  • Provide final approval/denial decisions in adherence to company policies and regulatory standards.
  • Stay informed about changes in underwriting guidelines and updates from DE/SARS regulations to ensure compliance with industry standards.
  • Identify potential red flags in loan applications and elevate issues following established protocols.
  • Maintain clear and effective communication with all parties involved while ensuring confidentiality of sensitive personal and financial information.
Qualifications
  • Proven experience as a Mortgage Underwriter, with specific experience in DE/SARS underwriting.
  • Strong understanding of FHA and conventional loan programs and guidelines.
  • Proficiency in evaluating and interpreting complex financial data and credit reports.
  • Excellent analytical skills and attention to detail.
  • Strong decision-making and problem-solving abilities.
  • Effective verbal and written communication skills.
  • Ability to manage multiple tasks efficiently while maintaining high accuracy.
  • Familiarity with automated underwriting systems such as DU or LP.
Education and Certifications
  • Bachelor’s degree in Finance, Business Administration, or a related field preferred.
  • DE Underwriter certification required.
  • SARS training/certification is highly desirable.
Why Join Us
  • Be part of a supportive and forward-thinking company that prioritizes growth and innovation.
  • Work in an environment that values expertise, initiative, and a commitment to quality service.
  • Enjoy competitive compensation and benefits packages.
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