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Hud 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 ... Identify and resolve HUD-1 deficiencies. * Maintain production volumes aligned with company targets ...

SERVION INC

Underwriter II

New Brighton, MN · On-site

$31.43 - $39.29/hr

This position completes underwriting reviews of residential first mortgages in accordance with HUD/VA Credit and Appraisal Guidelines and special investor overlays in a timely manner, ensuring ...

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

This position completes underwriting reviews of residential first mortgages in accordance with HUD/VA Credit and Appraisal Guidelines and special investor overlays in a timely manner, ensuring ...

Axos Bank

VP, Sr Underwriter

San Diego, CA · On-site

$100K - $125K/yr

... Underwriter to join our team, specializing in Single Family Residential loans including ... If you have a deep understanding of FNMA, FHLMC, HUD, and construction-related financials, and ...

Axos Bank

VP, Sr Underwriter

San Diego, CA

$100K - $125K/yr

... Underwriter to join our team, specializing in Single Family Residential loans including ... If you have a deep understanding of FNMA, FHLMC, HUD, and construction-related financials, and ...

Walkerdunlop

HUD Closing Analyst

Towson, MD · Hybrid

$55K - $60K/yr

Department Overview The HUD Closing team facilitates the closing and funding of FHA/HUD-insured loans, coordinating with underwriting, production, borrowers/clients, internal partners, HUD personnel ...

Walkerdunlop

HUD Closing Analyst

Bethesda, MD · Hybrid

$55K - $60K/yr

Department Overview The HUD Closing team facilitates the closing and funding of FHA/HUD-insured loans, coordinating with underwriting, production, borrowers/clients, internal partners, HUD personnel ...

Walkerdunlop

HUD Closing Analyst

Atlanta, GA · Hybrid

$55K - $60K/yr

Department Overview The HUD Closing team facilitates the closing and funding of FHA/HUD-insured loans, coordinating with underwriting, production, borrowers/clients, internal partners, HUD personnel ...

Walkerdunlop

HUD Closing Analyst

Franklin, TN · Hybrid

$55K - $60K/yr

Department Overview The HUD Closing team facilitates the closing and funding of FHA/HUD-insured loans, coordinating with underwriting, production, borrowers/clients, internal partners, HUD personnel ...

Eastern Bank

Mortgage Underwriter

Manchester, NH · On-site

$30.94 - $49.73/hr

Individuals in the role must have attained Direct Endorsement (DE) status from HUD and/or Staff ... Communicate underwriting decisions clearly and professionally to all relevant parties, both ...

Eastern Bank

Mortgage Underwriter

Manchester, NH

$30.94 - $49.73/hr

Individuals in the role must have attained Direct Endorsement (DE) status from HUD and/or Staff ... Communicate underwriting decisions clearly and professionally to all relevant parties, both ...

OSP LP

MULTIFAMILY CREDIT UNDERWRITER

Palatine, IL · On-site

Primary Position Objective Under the supervision of the Multifamily Credit Underwriting Manager and ... Mac, or HUD, tax exempt multifamily mortgage revenue bonds, private placement bonds, and other ...

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Hud Underwriter information

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$32.5K

$78.9K

$139.5K

How much do hud underwriter jobs pay per year?

As of Aug 7, 2026, the average yearly pay for hud 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.

How hard is it to get a Hud Underwriter job?

Securing a HUD Underwriter position typically requires relevant experience in mortgage underwriting, knowledge of HUD guidelines, and often a certification such as the FHA Underwriting Certification. Competition can vary based on location and demand, but having strong analytical skills and familiarity with loan processing tools can improve chances of employment.

What are the typical challenges faced by a HUD underwriter when evaluating loan applications?

HUD Underwriters often encounter challenges such as interpreting complex financial documentation, ensuring strict compliance with HUD and FHA guidelines, and balancing risk assessment with customer service. They must stay up-to-date with frequent changes in federal regulations and policy updates, which can add complexity to the underwriting process. Collaboration with loan officers, processors, and compliance teams is crucial to resolve discrepancies and facilitate timely loan approvals while maintaining accuracy and regulatory adherence.

What is the difference between Hud Underwriter vs Mortgage Underwriter?

AspectHud UnderwriterMortgage Underwriter
CertificationsHUD-specific training, general underwriting certificationsMortgage licensing, general underwriting certifications
Work EnvironmentGovernment agencies, HUD-approved lendersPrivate banks, mortgage companies
Industry UsagePrimarily in government-backed loan programsIn both private and government-backed loans
Job FocusEnsuring compliance with HUD guidelinesAssessing borrower risk and loan viability

Hud Underwriters primarily focus on evaluating loans that involve HUD programs, ensuring compliance with government standards. Mortgage Underwriters handle a broader range of private and government-backed loans, assessing borrower risk and loan eligibility. While both roles involve underwriting skills, Hud Underwriters specialize in HUD-specific criteria, whereas Mortgage Underwriters work across various lenders and loan types.

What is a HUD underwriter?

HUD underwriters are professionals responsible for reviewing and evaluating loan applications for properties insured by the U.S. Department of Housing and Urban Development (HUD), primarily through the Federal Housing Administration (FHA) loan program. They assess borrowers' creditworthiness, ensure compliance with HUD guidelines, and determine if the property and borrower meet all eligibility requirements. HUD underwriters play a critical role in the mortgage approval process, helping to minimize risk for lenders and ensure that loans adhere to federal regulations.

Is underwriting a high stress job?

Underwriting can be a high-pressure role due to the need to assess risk accurately and meet deadlines. It often requires attention to detail, decision-making skills, and the ability to handle workload fluctuations, which can contribute to stress levels.

What are the key skills and qualifications needed to thrive as a HUD underwriter, and why are they important?

To thrive as a HUD Underwriter, you need a strong understanding of mortgage underwriting, FHA/HUD guidelines, and risk assessment, typically supported by relevant experience or certification (such as DE certification). Proficiency with loan origination systems, automated underwriting tools, and HUD-specific software is essential for evaluating and processing loans. Attention to detail, analytical thinking, and effective communication are vital soft skills for identifying compliance issues and collaborating with loan officers. These skills ensure accurate loan approvals, regulatory compliance, and minimize financial risk for lenders.
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Hud Underwriter jobs near you
Infographic showing various Hud Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, and 5% Part Time. Highlights an 85% In-person, and 15% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

FHA Sr. Underwriter - MAP (Commercial Real Estate)

KeyBank

Dallas, TX • On-site

$115K/yr

Full-time

Re-posted 12 days ago

KeyBank rating

8.2

Company rating: 8.2 out of 10

Based on 99 frontline employees who took The Breakroom Quiz

51st of 170 rated banks

Job description

Location:
8117 Preston Road, Suite 400, Dallas Texas
ABOUT KEYBANK REAL ESTATE CAPITAL
KeyBank Real Estate Capital is one of the nation's leading commercial real estate finance platforms, offering a full range of debt and equity solutions for multifamily and commercial properties. Our Commercial Mortgage Group (CMG) is a top-tier FHA lender with a proven track record of originating and servicing FHA-insured multifamily loans across the country. We are committed to delivering exceptional client service while maintaining a disciplined, risk-conscious approach to every transaction.
JOB BRIEF (PURPOSE)
As an FHA Senior Underwriter - MAP, you will lead the underwriting and execution of complex FHA-insured multifamily transactions, including 223(f), 221(d)(4), and 223(a)(7) loans. This role is responsible for driving transactions from early screening through firm commitment, serving as the lead underwriting authority and primary liaison with HUD. You will partner closely with originators, and credit leadership to structure deals, assess risk, and deliver high-quality, compliant submissions. This role is critical to supporting the growth and performance of KeyBank's agency lending platform.
Please note: This is an on-site position and not eligible for remote or virtual work. The candidate will be required to work from a KeyBank office, with preferred locations including Dallas, TX or Cleveland, OH.
ESSENTIAL JOB FUNCTIONS
  • Perform due diligence for proposed multifamily FHA-insured loans, including analyzing proposed transactions, reviewing third-party reports (appraisals, market studies, environmental assessments, physical condition assessments), and leading the underwriting team to prepare loan applications for submission to FHA.
  • Complete, review, and ensure accuracy of all required HUD-form documents for application submissions.
  • Build and analyze financial models to evaluate loan feasibility, cash flow projections, and risk scenarios.
  • Drive all assigned transactions through the underwriting pipeline to ensure timely and accurate completion from application through firm commitment.
  • Identify and assess transaction risks, document findings in accordance with credit approval requirements, and escalate deviations to support effective portfolio risk management.
  • Maintain productive relationships with all partners, including mortgage bankers, borrowers, HUD staff, and third-party consultants-through a collaborative approach and timely disclosure of transaction risks.
  • Actively contributes market intelligence, industry insights, and programmatic expertise in support of the team's strategy and financial goals.
  • Pursue and develop internal and external relationships to facilitate effective real estate transactions and support the line of business strategy.
  • Complete all compliance requirements related to each transaction to minimize risk.
  • Deliver responsive, exceptional customer service throughout all stages of the transaction process.

ADDITIONAL RESPONSIBILITIES
  • Collaborate with mortgage bankers and management to support the origination of FHA loans and drive new business opportunities.
  • Facilitate staff development by conducting training sessions, identifying growth opportunities, and promoting continuous learning for both team members and self.
  • Lead recruitment and onboarding efforts to ensure seamless integration of new hires into the team.
  • Represent KeyBank with professionalism and excellence at industry conferences, HUD training sessions, and trade organization events.
  • Travel as required, including overnight stays, to conduct property inspections and fulfill other job-related duties.

REQUIRED QUALIFICATIONS
  • Minimum of five (5) years of direct experience underwriting FHA-insured multifamily loans.
  • Current MAP-approved Underwriter status with HUD.
  • Demonstrated expertise in analyzing market rate and affordable multifamily transactions, with strong knowledge of FHA underwriting fundamentals and the MAP Guide.
  • Proven experience preparing and reviewing HUD-required loan documentation, including underwriting narratives, cost certifications, and firm commitment applications.
  • Proficiency in financial modeling and advanced Excel-based analysis for multifamily underwriting.
  • Experience reviewing and interpreting third-party reports, including appraisals, market studies, environmental reports (Phase I/II), and physical condition assessments.
  • Excellent verbal and written communication skills, with the ability to convey complex underwriting concepts clearly and professionally.
  • Bachelor's degree required.

PREFERRED QUALIFICATIONS
  • A degree in Real Estate, Finance, or Accounting is preferred; however, candidates with degrees in other relevant fields will be considered based on experience and qualifications.
  • Familiarity with Low-Income Housing Tax Credit (LIHTC) structures and affordable housing regulatory requirements.
  • Prior experience managing or mentoring junior underwriters or analysts.

COMPETENCIES / SKILLS
  • Demonstrate strong organizational and time management skills, ensuring tasks are completed efficiently under tight deadlines.
  • Exhibit initiative, sound judgment, and the ability to work independently with minimal supervision.
  • Manage multiple complex transactions simultaneously while maintaining high standards of quality and accuracy.
  • Thrive in collaborative, team-oriented environments, fostering cooperation and shared success.
  • Resolve conflicts constructively and professionally, maintaining a calm and solution-focused approach.
  • Demonstrate strong attention to detail and commitment to accuracy in all underwriting work product.

EQUIPMENT USED / PHYSICAL REQUIREMENTS
  • Proficient in PC-based productivity tools including Microsoft Word, Excel, Outlook, and Adobe Acrobat, with the ability to leverage these platforms for efficient documentation, analysis, and communication.
  • Skilled in utilizing financial calculators and Excel-based financial modeling tools to perform advanced underwriting, scenario analysis, and data-driven decision-making.

TRAINING REQUIRED
  • Complete all required KeyBank compliance training within designated timelines to ensure adherence to regulatory and organizational standards.
  • Develop a thorough understanding of KeyBank's underwriting and processing procedures to ensure consistency, accuracy, and alignment with internal protocols.

EQUAL EMPLOYMENT OPPORTUNITY
KeyBank is an Equal Opportunity Employer committed to sustaining an inclusive and diverse workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
COMPENSATION AND BENEFITS
This position is eligible to earn a base salary in the range of $96,000.00 - $181,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives.
Please click here for a list of benefits for which this position is eligible.
Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.
Job Posting Expiration Date: 08/31/2026KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.
Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
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About KeyBank

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Key is one of the nation's largest bank-based financial services companies. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name.

Industry

Banking and credit intermediation

Company size

10,000+ Employees

Headquarters location

Cleveland, OH, US

Year founded

1849

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