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Remote Fha 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 ... Ability to work independently in a remote environment Preferred Qualifications * Bilingual (Spanish ...

All JobsFha JobsRemote Fha JobsRemote Fha Jobs in Raleigh, NC

Remote Fha information

What is a remote FHA underwriter?

A Remote FHA Underwriter is a professional responsible for evaluating and approving mortgage loan applications that are insured by the Federal Housing Administration (FHA), while working from a remote location. They assess borrowers' creditworthiness, review financial documents, and ensure that all loans meet FHA guidelines and regulatory requirements. Remote FHA underwriters use specialized software and communication tools to collaborate with loan officers, processors, and other stakeholders. Their role is essential in facilitating homeownership for buyers who may not qualify for conventional loans.

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

To thrive as a Remote FHA Underwriter, you need a solid understanding of mortgage underwriting guidelines, FHA regulations, and experience with loan processing, typically supported by relevant certifications or training. Proficiency with loan origination systems (LOS), automated underwriting systems (AUS), and secure file-sharing platforms is essential. Strong attention to detail, analytical thinking, and effective remote communication set top performers apart in this role. These skills ensure accurate loan evaluations, regulatory compliance, and efficient collaboration in a remote work environment.

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

AspectRemote FhaRemote Mortgage Underwriter
CertificationsFHA Certification, Mortgage LicenseMortgage License, Underwriting Certifications
Work EnvironmentRemote, primarily in mortgage lending companiesRemote, in mortgage lending or banking institutions
Industry UsageUsed in FHA loan processing and approvalUsed in evaluating all types of mortgage applications, including FHA

Remote Fha and Remote Mortgage Underwriter roles both involve mortgage processing but differ mainly in scope. Remote Fha specialists focus specifically on FHA loans, requiring FHA certifications, while Remote Mortgage Underwriters evaluate various loan types, including FHA, often holding broader underwriting certifications. Both roles are remote and integral to mortgage lending companies, but their specific responsibilities and certifications vary.

What are some common challenges faced by remote FHA underwriters, and how can applicants prepare to address them?

Remote FHA Underwriters often face challenges related to managing complex loan files while complying with strict FHA guidelines, all without in-person collaboration. Staying organized, maintaining clear communication with loan officers and processors, and keeping up with frequently updated FHA regulations are crucial. Applicants can prepare by familiarizing themselves with FHA handbooks, leveraging digital tools for secure document management, and actively participating in virtual team meetings to stay aligned with underwriting standards.

What are popular job titles related to Remote Fha jobs in Raleigh, NC?

For Remote Fha jobs in Raleigh, NC, the most frequently searched job titles are:

What job categories do people searching Remote Fha jobs in Raleigh, NC look for?

The top searched job categories for Remote Fha jobs in Raleigh, NC are:

What cities near Raleigh, NC are hiring for Remote Fha jobs?

Cities near Raleigh, NC with the most Remote Fha job openings:

Remote Fha jobs near you
Infographic showing various Remote Fha job openings in Raleigh, NC as of August 2026, with employment types broken down into 84% Full Time, 9% Part Time, and 7% Contract. Highlights an 100% Remote job distribution.

Licensed Mortgage Loan Officer

Obsidian Financial Services

Raleigh, NC • Remote

$70K - $300K/yr

Full-time

PTO

Re-posted 27 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.