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Fha Underwriter Jobs (NOW HIRING)

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$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 ...

Plaza Home Mortgage

Sr. Underwriter

San Diego, CA · On-site

$60 - $80/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 ...

Trustmark

Retail Staff Underwriter II

Mobile, AL · On-site

$60 - $80/hr

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 ...

Plaza Home Mortgage

$60 - $80/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 ...

ORIX USA

Associate, FHA Production Support

New York, NY · On-site

$90K - $100K/yr

Works directly with Underwriters, Originators, clients, FHA, and vendors as necessary throughout the loan process. Essential Duties and Responsibilities: * Support FHA Multifamily Origination ...

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 ...

Atlantic Coast Mortgage

Underwriter

Fairfax, VA · On-site

$65K - $154K/yr

Underwrites FHA/VA and Conventional loan applications ensuring adherence to Company and investor credit quality standards * Maintain ACM mandated turn times for new reviews and conditions * Analyzes ...

ORIX

Associate, FHA Production Support

New York, NY · Hybrid

$90K - $100K/yr

Works directly with Underwriters, Originators, clients, FHA, and vendors as necessary throughout the loan process. Essential Duties and Responsibilities: * Support FHA Multifamily Origination ...

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 ...

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 ...

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Fha Underwriter information

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$74.5K

$92K

$115.5K

How much do fha underwriter jobs pay per year?

As of Sep 9, 2026, the average yearly pay for fha underwriter in the United States is $91,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $82,500.00 and $98,500.00 per year, depending on experience, location, and employer.

What is an FHA underwriter?

An FHA Underwriter is a professional who reviews and evaluates mortgage loan applications to ensure they meet the standards set by the Federal Housing Administration (FHA). Their primary responsibility is to assess a borrower's financial information, property details, and loan documents to determine eligibility for FHA-backed loans. FHA Underwriters play a crucial role in the mortgage approval process by verifying that all guidelines and regulations are met before approving or denying a loan. They help minimize risk for lenders by making sure loans conform to FHA requirements. This position requires strong analytical skills, attention to detail, and familiarity with FHA policies.

What does an FHA underwriter do?

The Federal Housing Administration (FHA) provides mortgage insurance for loans from approved lenders in the United States. As an FHA underwriter, you assess loan applications for FHA-insured mortgages. Your duties include collecting information about the loan package and evaluating the financial records of the applicant. You then decide whether to approve or deny the application, and you document your reasons for making your decision. One of your first responsibilities in this career is to earn direct endorsement (DE) certification from a qualified lender. Employers require this certification for underwriters who work with FHA-insured products.

What are the key skills and qualifications needed to thrive as an FHA underwriter, and why are they important?

To thrive as an FHA Underwriter, you need in-depth knowledge of FHA guidelines, risk analysis, and mortgage lending practices, typically supported by relevant experience and sometimes certifications like DE (Direct Endorsement) designation. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS), and compliance software is essential for accurate and efficient processing. Strong attention to detail, analytical thinking, and effective communication skills help ensure accurate assessments and clear collaboration with loan officers and processors. These skills are crucial for minimizing risk, ensuring regulatory compliance, and facilitating successful loan approvals in a highly regulated industry.

How does an FHA underwriter typically collaborate with loan officers and processors during the mortgage approval process?

FHA Underwriters work closely with loan officers and processors to ensure that all documentation meets FHA guidelines and that borrowers are qualified for the loan. Communication is key, as underwriters often request additional information or clarification on borrower files, and rely on processors to gather and organize this data. Teamwork is essential to meet deadlines and deliver a smooth borrower experience, so underwriters must be proactive and clear in their feedback. This collaborative dynamic helps maintain compliance and efficiency throughout the loan approval process.

What is the difference between Fha Underwriter vs Conventional Underwriter?

AspectFha UnderwriterConventional Underwriter
CredentialsTypically requires mortgage underwriting experience, FHA-specific certificationsRequires mortgage underwriting experience, general industry certifications
Work EnvironmentWorks primarily with FHA loans, government-backed programsHandles a variety of loan types, including conventional loans
Employer & IndustryEmployed by banks, credit unions, mortgage lenders focusing on FHA loansEmployed by similar financial institutions, handling diverse loan portfolios

The main difference between an FHA Underwriter and a Conventional Underwriter lies in the loan types they evaluate. FHA Underwriters specialize in government-backed FHA loans, requiring specific knowledge of FHA guidelines and certifications. Conventional Underwriters handle non-government loans, focusing on traditional mortgage criteria. Both roles require mortgage underwriting experience but differ in the types of loans processed and regulatory requirements.

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Fha Underwriter jobs near you
Infographic showing various Fha Underwriter job openings in the United States as of September 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 61% Physical, 10% Hybrid, and 29% Remote job distribution, with an average salary of $91,999 per year, or $44.2 per hour.

Mortgage Underwriter

Pocatello, ID • On-site

Advantage Plus Credit Union
See more jobs at Advantage Plus Credit Unionexternal

Full-time

Re-posted 7 days ago

Job description

Description:

Government Underwriter with an active FHA Direct Endorsement (DE) designation and, preferably, an active VA (SAR/LAPP) designation to join our local credit union mortgage team. This role offers the opportunity to underwrite loans for our community, work directly with local lending staff, and exercise real underwriting authority in a relationship-focused environment. This is an onsite position in Pocatello, Idaho.

Requirements:

What You’ll Do

  • Underwrite FHA, VA, USDA, and Conventional mortgage loans
  • Utilize FHA Direct Endorsement authority to review and approve FHA loans
  • Review VA loan files in accordance with VA guidelines
  • Analyze borrower credit, income, assets, and collateral to determine eligibility
  • Review complex income scenarios including self-employed borrowers and layered risk files
  • Issue clear underwriting decisions and conditions
  • Partner with loan officers and processors to move loans efficiently to closing
  • Ensure compliance with HUD, VA, investor, and regulatory guidelines

What We’re Looking For

  • Active FHA Direct Endorsement (DE) designation required
  • VA underwriting experience or SAR designation preferred
  • 5+ years mortgage underwriting experience
  • Strong knowledge of FHA, VA, and conventional underwriting guidelines
  • Experience with DU/LP and manual underwriting
  • Strong analytical, decision-making, and communication skills

Why Join Us

  • · Competitive salary and benefits offered
  • · Local underwriting environment with direct collaboration with lending staff
  • · Opportunity to exercise true underwriting authority
  • · Stable pipeline focused on quality lending rather than volume quotas
  • · Ability to underwrite both agency and portfolio loans in a relationship-focused credit union environment