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Fha Underwriter Jobs (NOW HIRING)

Mountain West Financial, LLC

Underwriter

Sandy, UT · On-site +1

$36 - $42.27/hr

Apply appropriate internal and FHA guidelines to make informed decisions on loan approvals, suspensions, or denials. * Clearly document underwriting decisions, including conditions required for final ...

theLender

Be Seen First

Government Underwriter FHA VA

Irvine, CA · Remote

$43 - $55/hr

From $43.27 per hour Mortgage Underwriter FHA Experience or VA Experience- DE or LAPP/SAR certification required The Underwriter is responsible for reviewing, conditioning, analyzing and issuing ...

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, 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 ...

SoFi

Mortgage Underwriter

Frisco, TX · Hybrid

You'll review and assess Conventional and FHA loan applications using independent credit judgment ... The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY

$43.26 - $48.08/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

SERVION INC

Underwriter II

New Brighton, MN

$31.43 - $39.29/hr

Underwrite FHA or VA residential mortgage loans to federal, state, and investor guidelines * Underwrite government loans submissions in accordance with all handbooks, mortgage letters and investor ...

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

Underwrite FHA or VA residential mortgage loans to federal, state, and investor guidelines * Underwrite government loans submissions in accordance with all handbooks, mortgage letters and investor ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

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 ...

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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 Aug 18, 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 August 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 68% Physical, 12% Hybrid, and 20% Remote job distribution, with an average salary of $91,999 per year, or $44.2 per hour.

Reverse Mortgage Underwriter - Remote Opportunity

SummitHR

Remote

Full-time

Re-posted 7 days ago

Job description

The HECM (Reverse) Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents.
Essential Job Functions-Description:
  • Follows prescribed guidelines, receives and reviews loan applications and associated documentation to ensure thoroughness and accuracy according to HECM guidelines, policies and procedures
  • Maintains acceptable turn times for initial decisions and condition reviews in accordance with Department expectations
  • Interacts with Quality Control, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns
  • Develops and maintains sound knowledge of HECM product guidelines offered by the company, and risk assessment tools
  • Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision
  • Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals and ensures all necessary documentation is requested to support final loan decisions
  • Demonstrates proficiency in manual underwriting policies and procedures
  • Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity
  • Communicates and maintains good relationships with loan originators, management, processor
  • Demonstrated experience with MS Office products

Experience Required:
  • 3+ years of Residential Loan underwriting experience
  • DE certification and recent FHA underwriting experience preferred
  • Solid knowledge and understanding of FHA/HECM policies and procedures
  • Solid knowledge and understanding of various fraud tools
  • Demonstrated experience working in a fast paced and changing environment
  • Demonstrated experience effectively managing relationships with internal and external partners
  • Prior mortgage processing experiencer preferred
  • Demonstrated experience with repurchase response and/or rebuttal review and response preparation
  • Demonstrated experience reporting, analyzing, interpreting, and critical thinking

Information: Not part of the job description
Physical Environment: This position is primarily a remote position. Access to a quiet space at home and reliable internet is required.
Travel: Local travel may be required for company or career-related meetings, programs and/or events.
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About SummitHR

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SummitHR makes a commitment to our clients and candidates to listen to your goals and ideas. We deliver innovative solutions that prove a personal understanding of the culture, vision and brand you represent. We offer dynamic solutions, because We are committed to your success.

Industry

Recruiting and staffing services

Company size

1 - 10 Employees

Headquarters location

Alhambra, CA, US

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