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Remote Forensic Mortgage Underwriter Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

DE/SAR Mortgage Underwriter Location ... Remote Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence Rapid Mortgage ...

AmeriSave Mortgage Corp.

$28 - $38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Remote work applicants may not work from the following states: California. What You'll Do: * Evaluate and underwrite mortgage loans for compliance with agency, investor, and internal guidelines

New

AmeriSave Mortgage Corp.

Mortgage Underwriter

$28 - $38/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Remote work applicants may not work from the following states: California. What You'll Do: * Evaluate and underwrite mortgage loans for compliance with agency, investor, and internal guidelines

AmeriSave Mortgage Corp.

Mortgage Underwriter

Charleston, WV · Remote

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Remote work applicants may not work from the following states: California. What You'll Do: * Evaluate and underwrite mortgage loans for compliance with agency, investor, and internal guidelines

New

rcu

Mortgage Underwriter II

Eau Claire, WI · On-site +1

$41.70 - $47.90/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Become a Mortgage Underwriter II at Royal Credit Union! In this role, you'll evaluate a wide ... When not working remote, the office location is flexible at either the Operations Center in Eau ...

rcu

Mortgage Underwriter II

Eau Claire, WI · On-site +1

$41.70 - $47.90/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Become a Mortgage Underwriter II at Royal Credit Union! In this role, you'll evaluate a wide ... When not working remote, the office location is flexible at either the Operations Center in Eau ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Description Are you an experienced mortgage underwriter who's been searching for a great company ... Remote work is available for candidates located outside of Central Ohio. Candidates local to ...

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Description Are you an experienced mortgage underwriter who's been searching for a great company ... Remote work is available for candidates located outside of Central Ohio. Candidates local to ...

Obsidian Financial Services

Be Seen First

Senior Mortgage Underwriter

Melbourne, FL · Remote

$70K - $80K/yr

  • PTO

Job Summary We are seeking a highly skilled and motivated DE/SARS/LLAP Senior Mortgage Underwriter ... We provide a remote-first environment, cutting-edge technology, and a strong internal support ...

Orion Lending

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Mortgage Underwriter (remote)

Orange, CA · Remote

  • Medical

  • Dental

  • Vision

  • Life

Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss. Relies on extensive experience and judgment to plan and accomplish goals.

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Remote Forensic Mortgage Underwriter information

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

A Remote Forensic Mortgage Underwriter needs thorough knowledge of mortgage underwriting guidelines, forensic loan analysis, and risk assessment, typically backed by experience in mortgage lending or financial investigation. Familiarity with loan origination systems, document management software, and relevant certifications such as Certified Mortgage Underwriter (CMU) or similar are often required. Excellent analytical thinking, attention to detail, and strong written communication are crucial soft skills in this role. Mastery of these skills ensures accurate detection of fraud or error, compliance with regulations, and sound lending decisions in a remote environment.

What is a remote forensic mortgage underwriter?

A Remote Forensic Mortgage Underwriter is responsible for reviewing past mortgage loans to identify errors, fraud, or misrepresentation. They analyze loan files, income documents, credit reports, and appraisal records to ensure compliance with lending guidelines and regulations. Working remotely, they use forensic methods to detect discrepancies and assess risk. Their findings help lenders, investors, or regulators address potential issues and improve future lending practices.

What are the most common challenges faced by remote forensic mortgage underwriters?

One of the most common challenges in this role is thoroughly analyzing complex loan files and identifying red flags or fraudulent activity without in-person access to physical documents or immediate collaboration with colleagues. Remote forensic mortgage underwriters must rely heavily on secure digital systems and clear protocols to ensure data integrity and compliance. Effective time management and self-motivation are important as you often prioritize multiple files with tight deadlines. Additionally, staying updated with changing regulations and lending criteria is essential for maintaining high standards in forensic review. Despite these challenges, remote work offers flexibility and the opportunity to develop specialized expertise in mortgage fraud detection.

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Remote Forensic Mortgage Underwriter jobs near you
Infographic showing various Remote Forensic Mortgage Underwriter job openings in the United States as of August 2026, with employment types broken down into 86% Full Time, 6% Part Time, and 8% Contract. Highlights an 84% Physical, 3% Hybrid, and 13% Remote job distribution.

Mortgage Underwriter - DE/SAR

Rapid Mortgage

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 9 days ago

Job description

Rapid Mortgage Company
Position Title: DE/SAR Mortgage Underwriter
Location: Remote
Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence
Rapid Mortgage Company is a nationally recognized lender known for speed, service, and integrity. We are actively expanding and seeking an experienced and highly motivated DE/SAR Mortgage Underwriter to join our elite operations team. If you're a critical thinker with a deep understanding of agency guidelines and a passion for precision, we want to hear from you.
Position Overview
As a Mortgage Underwriter, you will be responsible for thoroughly evaluating residential mortgage loan applications to ensure compliance with company, investor, and regulatory standards. This includes assessing creditworthiness, income stability, asset sufficiency, and collateral value. You'll work closely with processors, and leadership to deliver timely and accurate underwriting decisions across FHA, VA, USDA, and Conventional programs.
This is a vital, deadline-driven role that demands strong attention to detail, excellent communication skills, and deep underwriting expertise.
Key Responsibilities
  • Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation.
  • Issue clear, concise approval, suspension, or denial decisions within delegated authority.
  • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines.
  • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings.
  • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s).
  • Review large deposits, verify funds for closing, and ensure adequate reserves.
  • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally.
  • Ensure all underwritten files meet agency, investor, and federal compliance requirements.
  • Stay informed on changes to underwriting policies, loan products, and regulatory updates.
  • Partner with processing and sales teams to promote a collaborative and efficient pipeline.

Required Qualifications
  • Minimum 3+ years of current mortgage underwriting experience.
  • Active DE (FHA) or SAR (VA) designation- Having both is strongly preferred.
  • Experience underwriting DPA (Down Payment Assistance) programs.
  • Proficiency with Encompass Loan Origination System.
  • Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk.
  • Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary.
  • Deep understanding of current investor, agency, and compliance guidelines.
  • Exceptional analytical skills, attention to detail, and time management.
  • Ability to work independently in a fast-paced remote environment.
  • Excellent written and verbal communication skills.

What We Offer
  • Competitive Salary (please include requirements with your application)
  • Medical, Dental, and Vision Insurance available day 1
  • Company-Paid Life and Long-Term Disability Insurance
  • 401(k) Retirement Plan with Company Match
  • Paid Time Off (PTO) + Paid Holidays
  • Career growth opportunities and continuing education support
  • Supportive, collaborative remote team culture

Must-Have Criteria
  • No more than a 16-month gap in mortgage underwriting experience- if gap applies must have stayed up to date on market trends and newest guidelines.
  • Must have current or recent loan-level underwriting authority (not a trainee or shadowing role).
  • Encompass and AUS experience is required.
  • Please include salary expectations with resume or cover letter to be.

Ready to Apply?
If you're a detail-oriented, deadline-driven DE or SAR Underwriter looking to join a dynamic and respected mortgage company-apply now! Submit your resume with salary requirements included.

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