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Full Time Government Underwriter Jobs (NOW HIRING)

AD Mortgage

Government Senior Underwriter

Troy, MI · On-site +1

$93K - $110K/yr

This is a full-time position based in our modern, cozy Troy, MI office, with remote flexibility for ... Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g.

AD Mortgage

Government Senior Underwriter

Troy, MI · Remote

$93K - $110K/yr

This is a full-time position based in our modern, cozy Troy, MI office, with remote flexibility for ... Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g.

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

Underwrite government loans submissions in accordance with all handbooks, mortgage letters and ... All full-time employees are eligible for Medical Insurance, Telehealth Services, Dental Insurance ...

MVSB

Residential Underwriter - 3

Keene, NH · On-site

$37.50 - $47/hr

New Hampshire Position Details: Full Time, Monday-Friday, 8:00AM-5:00PM FLSA: Non-Exempt, Non ... Apply bank, investor, secondary-market, mortgage insurance, and government lending guidelines ...

MVSB

Residential Underwriter - 3

Meredith, NH · On-site

$37.50 - $47/hr

New Hampshire Position Details: Full Time, Monday-Friday, 8:00AM-5:00PM FLSA: Non-Exempt, Non ... Apply bank, investor, secondary-market, mortgage insurance, and government lending guidelines ...

MVSB

Residential Underwriter - 3

Concord, NH · On-site

$37.50 - $47/hr

New Hampshire Position Details: Full Time, Monday-Friday, 8:00AM-5:00PM FLSA: Non-Exempt, Non ... Apply bank, investor, secondary-market, mortgage insurance, and government lending guidelines ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

This role is full-time; non-exempt and is remote. This position has no supervisory responsibilities ... Confirm government required documents are complete and accurate * Review title information and ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

This role is full-time; non-exempt and is remote. This position has no supervisory responsibilities ... Confirm government required documents are complete and accurate * Review title information and ...

ProAg

Associate Underwriter

Underwriter Supervisor Employment Type: Full Time Job Requisition ID: 2026-484 Requisition Begin ... Ensure compliance with organization policies and government regulations including all deadlines ...

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Full Time Government Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do full time government underwriter jobs pay per year?

As of Jul 31, 2026, the average yearly pay for full time government underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is the difference between Full Time Government Underwriter vs Full Time Private Sector Underwriter?

AspectFull Time Government UnderwriterFull Time Private Sector Underwriter
Work EnvironmentGovernment agencies, public sector officesPrivate insurance companies, financial institutions
Required CredentialsOften requires certifications like CPCU, state-specific licensesSimilar certifications, may include CFA or specific industry licenses
Industry UsageUsed mainly in government loan programs, public sector projectsCommon in commercial insurance, banking, and private lending

Full Time Government Underwriters focus on evaluating applications for government-backed loans and programs, often working within public agencies. In contrast, Full Time Private Sector Underwriters assess risk for private insurance and financial firms. While both roles require similar certifications and involve risk assessment, their work environments and client bases differ significantly.

What cities are hiring for Full Time Government Underwriter jobs? Cities with the most Full Time Government Underwriter job openings:
What are the most commonly searched types of Government Underwriter jobs? The most popular types of Government Underwriter jobs are:
What states have the most Full Time Government Underwriter jobs? States with the most job openings for Full Time Government Underwriter jobs include:
Full Time Government Underwriter jobs near you

Mortgage Government Underwriter III

United Community Bank

Alpharetta, GA • Remote

$60K - $93K/yr

Full-time

PTO

Re-posted 25 days ago

Job description

Overview: The Mortgage Government Underwriter III is responsible for underwriting residential mortgage loans in compliance with company policies, investor guidelines, and all applicable regulatory requirements. This role underwrites a wide range of loan products, including Conventional, FHA, VA, USDA, Portfolio, and specialty programs, and plays a critical role in ensuring quality, accuracy, and sound credit decisions.   This position requires strong technical expertise, independent judgment, and the ability to underwrite complex loans efficiently in a high‑volume, fast‑paced environment. You will partner closely with Loan Originators, Processors, and Sales leadership to complete thorough reviews and secure required documentation in support of timely loan decisions. What You’ll Do: • Underwrite Conventional, FHA, VA, USDA, Portfolio, and Special Program loans for accuracy, completeness, and regulatory compliance • Review and evaluate borrower profiles, including income, assets, credit, tax returns, fraud reports, and collateral documentation • Analyze and calculate complex personal and business income, including self‑employed and multi‑source income scenarios • Utilize automated underwriting systems (DU/LPA) and risk assessment tools to support loan decisioning • Rework loan terms, identify additional conditions, and ensure each file supports a clear, defensible credit decision • Maintain strong knowledge of secondary market guidelines, investor requirements, and government lending regulations • Meet established service‑level decision timelines with minimal supervision • Communicate clearly with Originators, Processors, Sales Managers, and leadership regarding file status and loan decisions • Assist with complex or escalated loan files and collaborate with peer underwriters as needed • Provide coverage for other underwriters’ pipelines, including condition review and PTO coverage • Support quality control efforts, repurchase reviews, and rebuttal responses as required Requirements For Success: • 5–7 years of recent government underwriting experience required • Active DE, SAR, or LAPP government designation required • Experience underwriting a variety of loan products, including FHA, VA, USDA, Conventional, Bond, Jumbo, Non‑QM, and Construction • Encompass experience required • Strong ability to analyze complex individual and business financials, including tax returns, P&Ls, and cash flow • Deep knowledge of secondary market guidelines for Fannie Mae, Freddie Mac, and government programs • Ability to structure loans appropriately to ensure salability and compliance • Demonstrated accountability for underwriting decisions and sound risk assessment • Strong organizational, time management, and multi‑tasking skills • Clear written and verbal communication skills with the ability to explain loan decisions to multiple stakeholders • Detail‑oriented, self‑directed, and collaborative work style   Conditions of Employment: • Must be able to pass a criminal background & credit check • This is a full-time, remote position   FLSA Status: Non-Exempt   Ready to take your career to the next level? Apply now and become a vital part of our team!   We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.   Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.   Pay Range: USD $60,466.00 - USD $93,119.00 /Yr.

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