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Fha Underwriter Jobs (NOW HIRING)

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 ...

ORIX USA

Associate, FHA Production Support

New York, NY · On-site

$90K - $100K/yr

  • Medical

  • Life

  • Retirement

  • PTO

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

Victorian Finance

Mortgage Underwriter

Description FHA/VA/USDA Mortgage Underwriter We are looking for a detail-oriented mortgage underwriter to grow with our team! You'll be responsible for analyzing and verifying real estate loan ...

Atlantic Bay

Underwriter

  • Medical

  • Retirement

  • PTO

Underwriting Conventional, FHA, VA, and state bond program loans to verify accuracy and compliance. * Calculating income, including tax return analysis, and properly cataloging findings into a ...

American Mortgage Network

UNDERWRITER III

Phoenix, AZ · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

American Mortgage Network is seeking a seasoned Senior Mortgage underwriter with 5 years of experience underwriting Conventional, FHA and VA loans. American Mortgage Network is a 100% employee owned ...

Genesee Regional Bank

Underwriter

Rochester, NY

$38.46 - $43.25/hr

Underwrite FHA, USDA, VA and residential construction loans (after satisfactory transition period) * Develop and maintain expert knowledge base related to underwriting requirements of correspondent ...

Atlantic Coast Mortgage

Jumbo/ Non-QM Underwriter

Underwrites Jumbo and Non-QM loans in addition to FHA/VA and Conventional loan applications ensuring adherence to Company and investor credit quality standards * Maintain ACM mandated turn times for ...

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · On-site

$36/hr

Company Description The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The ...

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Fha Underwriter information

See salary details

$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.

Retail Staff Underwriter II

Trustmark Bank

Remote

Full-time

Re-posted 25 days ago

Trustmark National Bank rating

8.2

Company rating: 8.2 out of 10

Based on 19 frontline employees who took The Breakroom Quiz

51st of 171 rated banks

Job description

Overview

The responsibilities of this job are to provide support to the retail and wholesale platform in loan decisions, underwriting guidance, and scenario questions based on GSE guidelines and requirements while ensuring and maintaining quality.

Responsibilities
  • Provide assistance to both retail and TPO originators, processors, for questions regarding guidelines, income requirements scenarios.
  • Maintain a small pipeline of loans to decision for final approval based on underwriting authority delegations.
  • Review all appraisal types for final approval including issuing NOV's and HFS/USDA conditional requirements.
  • Stay updated and attend refresher training for all investor guidelines.
  • Review and respond to management for all QC/QA exceptions.
  • Associates are expected to perform all additional duties as assigned.
Qualifications

Education:High School Diploma or GED

Experience:5 years In underwriting FNMA/FHLMC, FHA, USDA and VA loans

Additional Required Qualifications

  • 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 understanding and knowledge of underwriting and compliance guidelines
  • Working knowledge and experience with DeskTop Underwriter System
  • Exceptional organizational skills and strong communication skills
  • Superior problem-solving skills
  • Excellent customer service skills
  • Working knowledge of Excel, Word, and other PC applications
  • College education preferred

Physical Requirements & Working Conditions:Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Disclaimer:Management retains the right to add, delete or modify the responsibilities and qualifications of the position at any time.

Trustmark Bank does not accept unsolicited resumes from agencies and/or search firms for any job postings on this site. Resumes submitted to any Trustmark Bank employee by a third-party agency and/or search firm without a valid, written search agreement signed by Trustmark, will become the sole property of Trustmark Bank. No fee will be paid if a candidate is hired for a position as a result of an unsolicited agency or search firm referral.

Employment Type: FULL_TIME

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