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Government Underwriter Jobs (NOW HIRING)

TIB, N.A.

Conventional Underwriter

Dallas, TX · On-site

If this aligns with your values and you want to join a leader in the banking industry, we are hiring for a Conventional Underwriter that works alongside the Government Underwriter, performing a ...

AD Mortgage

Government Senior Underwriter

Troy, MI · On-site +1

$93K - $110K/yr

Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g. Ginnie Mae, Fannie Mae, Freddie Mac, FHA, VA, etc.) * Exceptional customer service * Excellent attention ...

AD Mortgage

Government Senior Underwriter

Troy, MI · Remote

$93K - $110K/yr

Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g. Ginnie Mae, Fannie Mae, Freddie Mac, FHA, VA, etc.) * Exceptional customer service * Excellent attention ...

Eastern Bank

Mortgage Underwriter

Manchester, NH · On-site

$30.94 - $49.73/hr

Minimum of 5 years Government Underwriting or equivalent experience * DE approved highly preferred. Skills/Knowledge * Strong knowledge of mortgage underwriting principles; FHLMC/FNMA/FHA/RD and VA ...

Eastern Bank

Mortgage Underwriter

Manchester, NH · On-site

$30.94 - $49.73/hr

Minimum of 5 years Government Underwriting or equivalent experience * DE approved highly preferred. Skills/Knowledge * Strong knowledge of mortgage underwriting principles; FHLMC/FNMA/FHA/RD and VA ...

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Government Underwriter information

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$32.5K

$78.9K

$139.5K

How much do government underwriter jobs pay per year?

As of Aug 25, 2026, the average yearly pay for 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 a government underwriter?

A Government Underwriter is responsible for evaluating loan applications to ensure they meet federal guidelines for government-backed programs, such as FHA, VA, or USDA loans. They assess borrowers' financial profiles, credit history, and property details to determine risk and compliance. Their role is crucial in protecting lenders and government agencies from potential losses while ensuring eligible applicants receive funding. Strong analytical skills, knowledge of lending regulations, and attention to detail are essential for success in this role.

What are the key skills and qualifications needed to thrive as a government underwriter?

To thrive as a Government Underwriter, you need a deep understanding of loan underwriting principles, federal housing program requirements (such as FHA, VA, or USDA), and a relevant degree or certification. Experience with underwriting software platforms like Encompass or DU/LP automated systems, as well as compliance expertise, are highly valued. Attention to detail, analytical thinking, and strong communication skills set top candidates apart in this role. These abilities ensure accurate risk assessment, regulatory compliance, and effective collaboration with borrowers and lending teams.

What are the main challenges a government underwriter faces in their day-to-day work?

A Government Underwriter often encounters the challenge of staying current with frequently changing federal regulations and program guidelines, which requires regular training and upskilling. Another key challenge is balancing the need for thorough risk assessment with efficient turnaround times, especially during periods of high loan volume. Underwriters also work closely with loan officers, processors, and compliance teams to resolve issues and ensure that all documentation meets strict government standards. Successfully navigating these challenges is essential for minimizing lending risks and maintaining strong performance metrics.

Is it hard to get a job in government underwriting?

Getting a job as a government underwriter can be competitive due to specific qualification requirements such as relevant experience, knowledge of government regulations, and often a background in finance or insurance. Candidates typically need to pass civil service exams or obtain certifications like the Chartered Property Casualty Underwriter (CPCU) and demonstrate strong analytical skills. Familiarity with government policies and attention to detail are also important for success in this role.

What qualifications do you need to be a Government Underwriter?

To become a government underwriter, candidates typically need a bachelor's degree in finance, economics, or a related field. Relevant experience in underwriting, strong analytical skills, and knowledge of government regulations are also important; professional certifications such as the Chartered Financial Analyst (CFA) or Certified Risk Analyst (CRA) can enhance qualifications.
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Government Underwriter jobs near you
Infographic showing various Government Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 93% In-person, and 7% Remote job distribution, with an average salary of $78,878 per year, or $37.9 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 27 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