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De Underwriter Jobs in Boca Raton, FL (NOW HIRING)

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site

$93K - $111K/yr

Must hold SAR certification, DE certification is a plus * In-depth knowledge of VA underwriting guidelines and agency requirements * Experience reviewing complex income scenarios including self ...

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site +1

$93K - $111K/yr

Skills & Qualifications • 3+ years of mortgage underwriting experience with a strong focus on VA loans • Must hold SAR certification, DE certification is a plus • In-depth knowledge of VA ...

All JobsDe Underwriter JobsDe Underwriter Jobs in Boca Raton, FL

De Underwriter information

See Boca Raton, FL salary details

$30.7K

$74.6K

$132K

How much do de underwriter jobs pay per year?

As of Sep 5, 2026, the average yearly pay for de underwriter in Boca Raton, FL is $74,628.00, according to ZipRecruiter salary data. Most workers in this role earn between $57,700.00 and $82,300.00 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.

What are popular job titles related to De Underwriter jobs in Boca Raton, FL?

For De Underwriter jobs in Boca Raton, FL, the most frequently searched job titles are:

What job categories do people searching De Underwriter jobs in Boca Raton, FL look for?

The top searched job categories for De Underwriter jobs in Boca Raton, FL are:

What cities near Boca Raton, FL are hiring for De Underwriter jobs?

Cities near Boca Raton, FL with the most De Underwriter job openings:

De Underwriter jobs near you
Infographic showing various De Underwriter job openings in Boca Raton, FL as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 17% Part Time, 1% Temporary, and 3% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $74,853 per year, or $36 per hour.

VA Senior Underwriter

AD Mortgage

Fort Lauderdale, FL • On-site

$93K - $111K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 18 days ago

Key responsibilities

  • Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines

  • Analyze borrower credit, income, assets, and collateral to determine loan eligibility

  • Issue clear and concise underwriting decisions, including conditions and loan stipulations

Job description

About this opportunity

We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential mortgage loan applications to ensure compliance with VA guidelines, agency requirements, and company policies. The ideal candidate brings strong expertise in VA loans, sound risk assessment skills, and a commitment to delivering high-quality underwriting decisions in a fast-paced environment.

Key Responsibilities

• Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines
• Analyze borrower credit, income, assets, and collateral to determine loan eligibility
• Calculate and validate income for self-employed and wage-earner borrowers
• Evaluate appraisals and collateral documentation for accuracy and completeness
• Issue clear and concise underwriting decisions, including conditions and loan stipulations
• Communicate effectively with loan officers, processors, and internal partners to resolve file conditions
• Ensure all loans meet compliance, quality control, and regulatory requirements prior to approval
• Maintain accurate and up-to-date underwriting documentation within the LOS
• Meet established productivity, quality, and turnaround time standards
• Stay current on VA guideline updates and industry changes

Location and Schedule

  • This is a full-time remote opportunity for candidates located outside of the Troy, MI and Ft. Lauderdale, FL areas. Candidates within a 50-mile radius of either office will be expected to work onsite.

  • Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM.

Skills & Qualifications

• 3+ years of mortgage underwriting experience with a strong focus on VA loans
• Must hold SAR certification, DE certification is a plus
• In-depth knowledge of VA underwriting guidelines and agency requirements
• Experience reviewing complex income scenarios including self-employed borrowers
• Strong analytical, decision-making, and problem-solving skills
• Excellent attention to detail and organizational skills
• Ability to manage a high volume pipeline in a deadline-driven environment
• Strong communication and collaboration skills
• Proficiency with Encompass or similar loan origination systems

Preferred Qualifications

• Experience with FHA, Conventional, and USDA underwriting
• Prior experience in a fast-paced retail or correspondent lending environment

What We Offer | Career and Culture

  • Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.

  • Growth Path: Defined paid training and clear pathways for career development.

  • Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).

    Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.

    Our Recruitment team will reach out to you shortly!

Connect with us: Explore our social media to get a sense of our corporate culture.

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.

We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.