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Remote Fha Underwriter Jobs in Raleigh, NC (NOW HIRING)

Obsidian Financial Services

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Licensed Mortgage Loan Officer

Raleigh, NC · Remote

$70K - $300K/yr

FHA / VA / USDA * Non-QM * Down Payment Assistance (DPA) programs * Maintain consistent ... Loan structuring and underwriting basics * Credit analysis * Strong sales, communication, and ...

All JobsFha Underwriter JobsRemote Fha Underwriter JobsRemote Fha Underwriter Jobs in Raleigh, NC

Remote Fha Underwriter information

See Raleigh, NC salary details

$31.6K

$76.7K

$135.6K

How much do remote fha underwriter jobs pay per year?

As of Aug 10, 2026, the average yearly pay for remote fha underwriter in Raleigh, NC is $76,676.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,300.00 and $84,600.00 per year, depending on experience, location, and employer.

What is a remote FHA underwriter?

A Remote FHA Underwriter is a mortgage professional who evaluates and approves home loans that are insured by the Federal Housing Administration (FHA), while working from a remote location. Their main responsibilities include reviewing loan applications, verifying borrower information, ensuring compliance with FHA guidelines, and assessing risk. By working remotely, they can support lenders and mortgage companies from anywhere, using secure digital platforms to process and approve loans. This role requires a strong understanding of FHA regulations and attention to detail to ensure all loans meet federal requirements.

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

AspectRemote Fha UnderwriterRemote Conventional Underwriter
CertificationsMortgage underwriting certifications, FHA-specific trainingMortgage underwriting certifications, conventional loan training
Work EnvironmentRemote, mortgage lenders, banks, credit unionsRemote, mortgage lenders, banks, credit unions
Industry UsagePrimarily in FHA loan processingPrimarily in conventional loan processing

Remote Fha Underwriters and Remote Conventional Underwriters share similar work environments and required certifications. The main difference lies in the loan types they process: FHA Underwriters focus on government-backed FHA loans, while Conventional Underwriters handle non-government loans. Both roles require mortgage underwriting expertise and are commonly performed remotely within the mortgage industry.

What are some common challenges remote FHA underwriters face and how can they be addressed?

Remote FHA underwriters often encounter challenges such as maintaining clear communication with loan officers and processors, ensuring secure handling of sensitive documents, and staying updated on rapidly changing FHA guidelines. To address these, it’s important to leverage secure document management systems, participate in regular virtual team meetings, and invest time in ongoing FHA training. Building strong relationships with your remote team can also help streamline workflows and reduce misunderstandings, making the underwriting process more efficient and accurate.

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

To thrive as a Remote FHA Underwriter, you need a strong understanding of FHA guidelines, mortgage underwriting principles, and typically several years of experience in mortgage underwriting, often supported by a DE (Direct Endorsement) certification. Proficiency with loan origination systems (LOS), automated underwriting systems like DU/LP, and secure document management platforms is essential. Analytical thinking, attention to detail, and effective written communication are vital soft skills for evaluating complex loan files and collaborating with remote teams. These skills ensure accurate risk assessment, compliance with federal guidelines, and efficient processing of FHA loans in a remote work environment.
What are popular job titles related to Remote Fha Underwriter jobs in Raleigh, NC? For Remote Fha Underwriter jobs in Raleigh, NC, the most frequently searched job titles are:
What job categories do people searching Remote Fha Underwriter jobs in Raleigh, NC look for? The top searched job categories for Remote Fha Underwriter jobs in Raleigh, NC are:
What cities near Raleigh, NC are hiring for Remote Fha Underwriter jobs? Cities near Raleigh, NC with the most Remote Fha Underwriter job openings:
Remote Fha Underwriter jobs near you
Infographic showing various Remote Fha Underwriter job openings in Raleigh, NC as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution, with an average salary of $76,676 per year, or $36.9 per hour.

Licensed Mortgage Loan Officer

Obsidian Financial Services

Raleigh, NC • Remote

$70K - $300K/yr

Full-time

PTO

Re-posted 21 days ago

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Job description

We are actively hiring Experienced Mortgage Loan Officers who are self-motivated, results-driven, and ready to grow their production. Our Loan Officers Benefit from Our Unique Programs such as our FHA VOE and Earned Equity Programs that supercharge your pipeline and our unique payment model allow you to close fast and make more!

Speak with one of our experienced AE's to see our pricing!

This is a 100% commission-based role ideal for Loan Officers who:

  • Have an existing book of business
  • Want higher payouts and faster closings
  • Prefer a flexible, work-from-home environment

Bilingual candidates (Spanish preferred) are strongly encouraged to apply to better serve diverse borrower communities.

Responsibilities

  • Originate and close residential mortgage loans (purchase, refinance, and specialty products)
  • Utilize your existing referral network and book of business to generate consistent loan volume
  • Analyze borrower financials, including income calculation, credit review, and documentation
  • Structure loans across multiple programs including:
    • Conventional
    • FHA / VA / USDA
    • Non-QM
    • Down Payment Assistance (DPA) programs
  • Maintain consistent communication with clients, agents, and internal teams
  • Submit complete and accurate loan files to processing
  • Attend weekly loan and product training sessions
  • Stay up to date with mortgage guidelines, compliance, and market trends
  • Deliver exceptional customer service from application through closing

Minimum Qualifications

  • Active NMLS License (Required)
  • Active State Mortgage License(s) (in applicable states)
  • Minimum 2+ years of experience as a Mortgage Loan Originator / Loan Officer
  • Proven book of business or referral network
  • Strong knowledge of:
    • Income calculation (W-2, self-employed, tax returns)
    • Loan structuring and underwriting basics
    • Credit analysis
  • Strong sales, communication, and relationship-building skills
  • Ability to work independently in a remote environment

Preferred Qualifications

  • Bilingual (Spanish preferred; other languages a plus)
  • Experience with Non-QM loan products
  • Established relationships with real estate agents, builders, or financial professionals
  • Experience using LOS, CRM systems, and digital marketing tools
  • Strong pipeline management and closing ability

Licensing & Certifications

  • NMLS Unique Identifier (Required)
  • State Mortgage Loan Originator Licenses (Required)
  • Compliance with SAFE Act requirements
  • Ongoing NMLS Continuing Education (CE) compliance
  • Familiarity with agency guidelines such as Fannie Mae and Ginnie Mae

Compensation

  • 100% Commission-Based – Uncapped Earnings
  • Unique Front and Back Compensation Plan
  • Competitive payout structure designed for high producers
  • No cap on income—earn based on your production and performance

What We Offer

  • Wide range of loan programs + DPA options
  • Fannie Mae / Ginnie Mae approved lender with no overlays
  • Ability to broker Non-QM loans Dedicated in-house Processing & Underwriting
  • Advanced LOS system, CRM, and marketing software
  • Scenario Desk for deal structuring support
  • Mentorship from experienced Regional Managers
  • Weekly training to keep you competitive
  • Fully remote work environment with flexible schedule

Why Loan Officers Choose Obsidian

  • Faster closings with fewer conditions
  • Strong backend support so you can focus on production
  • Flexibility to run your business your way
  • Access to more loan solutions = higher approval rates

Company Description

At Obsidian Mortgage, we are redefining the mortgage experience through professionalism, speed, and innovation. As a fully delegated lender licensed in 36 states, we empower our Loan Officers with the tools, support, and flexibility needed to succeed in today’s competitive market.

We provide a remote-first environment, cutting-edge technology, and a strong internal support system so you can focus on what matters most—closing deals and building relationships.