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Fha Va Underwriter Jobs (NOW HIRING)

Sun West Mortgage-Since 1980

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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. * Analyze borrower credit-worthiness, collateral, and AUS findings (DU/LP). * Accurately issue the Loan ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Underwrite FHA, VA, and conventional mortgage loans * Ensure loans meet company, investor, and agency guidelines * Analyze full credit packages and verify loan quality * Recommend decisions on loans ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

Underwrite FHA, VA, and conventional mortgage loans * Ensure loans meet company, investor, and agency guidelines * Analyze full credit packages and verify loan quality * Recommend decisions on loans ...

Ruoff Mortgage

Remote DE FHA Underwriter

Fort Wayne, IN · Remote

$70K - $80K/yr

Underwrite FHA, VA, and conventional mortgage loans * Ensure loans meet company, investor, and agency guidelines * Analyze full credit packages and verify loan quality * Recommend decisions on loans ...

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 ...

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

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 ...

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

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 ...

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 ...

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 ...

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Fha Va Underwriter information

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How much do fha va underwriter jobs pay per hour?

As of Aug 8, 2026, the average hourly pay for fha va 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 VA Underwriter?

An FHA VA Underwriter is a mortgage professional responsible for evaluating and approving or denying home loan applications that are backed by the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). They assess the borrower's creditworthiness, review financial documents, and ensure that the loan meets all federal guidelines and program requirements. Their role is crucial in minimizing lending risks while helping eligible borrowers secure government-backed home loans.

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

To thrive as an FHA VA Underwriter, you need a thorough understanding of mortgage underwriting guidelines, risk assessment, and strong analytical skills, typically supported by a bachelor's degree and relevant FHA/VA-specific certifications. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS), and compliance software is essential. Attention to detail, effective communication, and decision-making skills help underwriters evaluate complex financial information and explain decisions to stakeholders. These competencies ensure loans are processed accurately and compliantly, minimizing risk for lenders and ensuring government-backed requirements are met.

What are some common challenges FHA VA Underwriters face when evaluating loan applications, and how can they effectively address them?

FHA VA Underwriters often encounter challenges such as incomplete documentation, complex borrower circumstances, and rapidly changing lending guidelines. To address these issues, underwriters must stay up-to-date with FHA and VA regulations, maintain strong attention to detail, and communicate proactively with loan officers and processors to resolve discrepancies or gather missing information. Success in this role often depends on balancing compliance with customer service, ensuring loans are both sound and processed efficiently.

What is the difference between Fha Va Underwriter vs Conventional Underwriter?

AspectFha Va UnderwriterConventional Underwriter
CredentialsMortgage underwriting certifications, FHA/VA guidelines knowledgeMortgage underwriting certifications, conventional loan guidelines expertise
Work EnvironmentLoan processing companies, banks, credit unionsMortgage lenders, banks, credit unions
Industry UsagePrimarily in government-backed loan programsPrimarily in private sector loans

The main difference between a Fha Va Underwriter and a Conventional Underwriter lies in the loan types they evaluate. Fha Va Underwriters specialize in government-backed loans, such as FHA and VA loans, requiring specific knowledge of these programs. Conventional Underwriters focus on private sector loans, adhering to different guidelines. Both roles require similar certifications and work in comparable environments, but their primary focus and guidelines differ significantly.

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Fha Va Underwriter jobs near you
Infographic showing various Fha Va Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 71% Full Time, 19% Part Time, 1% Temporary, and 8% Contract. Highlights an 89% Physical, 2% Hybrid, and 9% Remote job distribution, with an average salary of $62,410 per year, or $30 per hour.

Mortgage Underwriter

Advantage Plus Credit Union

Pocatello, ID • On-site

Full-time

Re-posted 5 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