ZipRecruiter

Log In

1

Fha Underwriter Jobs (NOW HIRING)

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 ...

Zentech Consulting

Mortgage Underwriter

Charlotte, NC · 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 ...

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 ...

Zentech Consulting

Mortgage Underwriter

Clearwater, FL · Hybrid

$36/hr

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

Genesee Regional Bank

Underwriter

Rochester, NY · On-site

$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 ...

Zentech Consulting

Mortgage Underwriter

Charlotte, NC · Hybrid

$36/hr

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

POINT MORTGAGE CORPORATION

UNDERWRITER

Chula Vista, CA · On-site

$0.01 - $0.02/hr

At least 3+ years mortgage underwriting experience Knowledge of Fannie Mae, Freddie Mac, FHA/VA underwriting process and standard guidelines Proficient with mortgage operating systems, preferably ...

previous page

Showing results 41-60

All JobsFinance And Insurance JobsMortgage JobsLoan Underwriter JobsFha Underwriter Jobs

Fha Underwriter information

See salary details

$74.5K

$92K

$115.5K

How much do fha underwriter jobs pay per year?

As of Sep 12, 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.

More about Fha Underwriter jobs

What cities are hiring for Fha Underwriter jobs?

Cities with the most Fha Underwriter job openings:

What are the most commonly searched types of Fha Underwriter jobs?

The most popular types of Fha Underwriter jobs are:

Who are the top companies hiring for Fha Underwriter jobs?

The top employers for Fha Underwriter jobs are:

What states have the most Fha Underwriter jobs?

States with the most job openings for Fha Underwriter jobs include:

What are popular job titles related to Fha Underwriter jobs?

For Fha Underwriter jobs, the most frequently searched job titles are:

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 94% Full Time, 3% Part Time, and 3% Contract. Highlights an 68% Physical, 11% Hybrid, and 21% Remote job distribution, with an average salary of $91,999 per year, or $44.2 per hour.

Senior Government Underwriter

Santa Ana, CA • On-site

HomeXpress Mortgage Corp
Finance and Insurance • 201 - 500 employees
Learn more about HomeXpress Mortgage Corpexternal

$102K - $121K/yr

Full-time

Re-posted 15 days ago

Job description

Company Description
HomeXpress - Your Leading Non-QM Mortgage Lender.
Join our growing team and be part of the Top Non-QM Lender in the Business.
We are known for closing mortgage loans with speed, ease, and convenience.
Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.
If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.
Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!
Job Description
Job Title: Senior Government Underwriter
Department: Agency Operations
Reports To: Agency Operations Manager
PRIMARY FUNCTIONS: The Underwriter (UW) applies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a "knowledge bank" in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage's clients.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Analyze submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
  • Properly Condition loans per Underwriting Guidelines and AUS as applicable
  • Communicate decisions to appropriate individuals
  • Clear all underwriting conditions
  • Ensure the highest quality and level of customer satisfaction
  • Resolve Quality Control and Post Closing deficiencies
  • Collaborate with sales for positive customer experience

DESIRED PERSONAL CHARACTERISTICS:
  • Detail oriented and committed to the highest quality
  • Self-Starter with positive Can-Do attitude
  • Works well under pressure and relishes the responsibility that comes with the job
  • Problem solving and analysis
  • Decision making
  • Results driven
  • Communication proficiency
  • An open-minded individual that embraces change and innovation

JOB REQUIREMENTS:
  • Render decisions, clear conditions, and issue CTC
  • Meet daily and monthly targets for productivity
  • Maintain acceptable quality, and
  • Provide a high level of customer service

EDUCATION:
  • High school diploma

EXPERIENCE:
  • 5+ years of experience in mortgage underwriting
  • At least one government underwriting designation:
    • VA LAPP/SAR, or
    • FHA DE
  • Manual underwriting to FHA and VA handbook requirements
  • AUS proficient
  • Computer proficient in Excel, Word, Outlook, and various LOS
  • Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail.
  • Ability to communicate issues between several audiences proficiently
  • Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

PHYSICAL REQUIREMENTS:
  • This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.

Qualifications
Additional Information
All your information will be kept confidential according to EEO guidelines.

Apply