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Fha De Underwriter Jobs (NOW HIRING)

SoFi

Mortgage Underwriter

Frisco, TX · Hybrid

Active FHA DE (Direct Endorsement) certification * Experience underwriting Jumbo or USDA loans * College degree * Background in fraud detection or risk mitigation

Trustmark Bank

FHA DE certification * VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General ...

Trustmark Bank

Retail Staff Underwriter II

Mobile, AL · On-site

FHA DE certification * VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General ...

Sun West Mortgage-Since 1980

Be Seen First

DE and VA Underwriter- Remote

Cerritos, CA · Remote

$110K - $150K/yr

Underwrite FHA, VA, and Conventional loan products with a high level of accuracy and speed ... Active DE Underwriter Certification (CHUMS ID is mandatory). * Active VA/SAR Certification.

Trustmark Bank

Retail Staff Underwriter II

Mobile, AL · On-site +1

FHA DE certification * VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General ...

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 ...

Atlantic Coast Mortgage

Underwriter

Fairfax, VA · On-site

$65K - $154K/yr

Underwrites FHA/VA and Conventional loan applications ensuring adherence to Company and investor ... Analyzes appraisals (including FHA, under DE program, SAR under VA program and Portfolio Jumbo)

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Ability to act as FHA DE, and/or VA Automatic and SAR Underwriter * Order and review MI based on loan program. Ensure that system of record matches MI certificate * Approve/deny loans and update the ...

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Fha De Underwriter information

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How much do fha de underwriter jobs pay per hour?

As of Aug 28, 2026, the average hourly pay for fha de underwriter in the United States is $30.00, according to ZipRecruiter salary data. Most workers in this role earn between $25.00 and $33.17 per hour, depending on experience, location, and employer.

What is an FHA DE Underwriter?

FHA DE Underwriters, or Direct Endorsement Underwriters, are professionals authorized by the Federal Housing Administration (FHA) to review and approve mortgage loan applications according to FHA guidelines. They evaluate borrowers’ credit, income, and property appraisals to ensure loans meet all federal requirements before granting approval. DE Underwriters have the authority to issue FHA insurance commitments on behalf of approved lenders, making their role critical in the mortgage approval process. Their expertise ensures that both lenders and borrowers comply with FHA regulations, minimizing risk for all parties involved.

What are the key skills and qualifications needed to thrive as an FHA DE Underwriter?

To thrive as an FHA DE Underwriter, you need in-depth knowledge of FHA guidelines, mortgage underwriting procedures, and financial analysis, usually supported by DE (Direct Endorsement) certification. Familiarity with loan origination systems (LOS), automated underwriting systems like DU/LP, and compliance software is crucial. Strong attention to detail, analytical thinking, and effective communication skills set top performers apart in this role. These competencies ensure accurate risk assessment, regulatory compliance, and efficient mortgage processing, which are critical for maintaining lender and borrower trust.

What are some common challenges faced by FHA DE Underwriters when reviewing loan files, and how can they be addressed?

FHA DE Underwriters often encounter challenges such as incomplete borrower documentation, complex credit histories, and staying compliant with frequently updated FHA guidelines. To address these, it's important to maintain strong communication with loan officers and processors to quickly obtain missing information. Keeping up-to-date with FHA training and resources also helps ensure compliance and accuracy. Additionally, collaborating with team members and utilizing technology can streamline the review process, reducing errors and improving efficiency.

What is the difference between Fha De Underwriter vs Fha Underwriter?

AspectFha De UnderwriterFha Underwriter
CertificationsTypically requires FHA-specific training and underwriting certificationsRequires FHA training, general mortgage underwriting certifications
Work EnvironmentPrimarily works for lenders processing FHA loansWorks in mortgage lending, focusing on FHA loan approval
Employer & Industry UsageUsed by lenders specializing in FHA loansCommon across mortgage lenders handling FHA and other loans

The Fha De Underwriter specializes in detailed review and compliance for FHA loans, often with specific FHA training. The Fha Underwriter has a broader role in mortgage underwriting, including FHA loans but also conventional loans. Both roles require FHA-specific knowledge, but the De Underwriter focuses more on compliance and detailed analysis within FHA guidelines.

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Fha De Underwriter jobs near you
Infographic showing various Fha De Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 15% Part Time, 1% Temporary, and 3% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $62,410 per year, or $30 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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