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Remote Loan Underwriter Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

Remote Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence Rapid Mortgage ... Analyze and underwrite loan files including credit, income, assets, appraisals, title, and ...

Deephaven

Remote Non QM Underwriter

$52.88/hr

Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers ... remote with ability to work from any state in the U.S. What You'll Do * Manually underwrite ...

Visio Lending

Remote Mortgage Underwriter I

$29.80 - $40.04/hr

You will play an essential role in maintaining loan quality, supporting team workflows, and ... Complete underwriting tasks according to program requirements, internal guidelines, and legal ...

HomeXpress Mortgage Corp

Underwriter

Tampa, FL · On-site

$70K - $80K/yr

Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines * Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness ...

HomeXpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site

$70K - $80K/yr

Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines * Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness ...

Orion Lending

Be Seen First

Mortgage Underwriter (remote)

Orange, CA · Remote

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.

Lendz Financial

Underwriter (Post-Close/QC)

OR · On-site +1

This is a fully remote position , within a collaborative, high-accountability environment that ... Review executed loan documents for compliance with company, investor, agency, and regulatory ...

Mortgage Solutions of Georgia

Underwriter

Description Our top-notch lending team is looking for a goal-driven Mortgage Underwriter to assist with making quality decisions on VA, FHA, and conventional loans for clients. Your main ...

SVS Group

Mortgage Compliance Underwriter

Santa Ana, CA · Remote

$30/hr

This role is fully remote and a 1099 Contract Role The Due Diligence Compliance Underwriter will be responsible for assessing residential mortgage loans for adherence to regulatory compliance ...

Movement Mortgage, LLC

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method * Provides excellent customer service to internal and external customers * Remote ...

Movement Mortgage

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method * Provides excellent customer service to internal and external customers * Remote ...

Movement Mortgage

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method * Provides excellent customer service to internal and external customers * Remote ...

Movement

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method * Provides excellent customer service to internal and external customers * Remote ...

Atlantic Coast Mortgage

Jumbo/ Non-QM Underwriter

Able to manually underwrite loans and is not reliant on automated underwriting to make a sound credit decision. Responsibilities: * Underwrites Jumbo and Non-QM loans in addition to FHA/VA and ...

Upstart

Home Lending Underwriter

OR · On-site +1

... loan analysis * Familiarity with compliance and regulatory requirements related to mortgage underwriting Position location This role is available in the following locations: Remote Time zone ...

Movement Mortgage, LLC

Jumbo/Non Agency Underwriter

$81K - $114K/yr

Methodical and analytical personality with the ability to underwrite Jumbo loans using our unique, upfront method * Provides excellent customer service to internal and external customers * Remote ...

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Remote Loan Underwriter information

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How much do remote loan underwriter jobs pay per hour?

As of Sep 3, 2026, the average hourly pay for remote loan underwriter in the United States is $30.00, according to ZipRecruiter salary data. Most workers in this role earn between $25.00 and $33.17 per hour, depending on experience, location, and employer.

What is a remote loan underwriter?

A Remote Loan Underwriter is a financial professional who evaluates and assesses loan applications, such as mortgages or business loans, while working from a remote location. Their main responsibility is to determine the creditworthiness of applicants by reviewing financial documents, credit reports, and other relevant information. Remote Loan Underwriters use specific guidelines and risk assessment tools to decide whether to approve, deny, or request more information for a loan application. They typically communicate with loan officers, applicants, and other stakeholders via phone, email, or secure online platforms. This role requires strong analytical skills, attention to detail, and a solid understanding of lending regulations.

What does a remote loan underwriter do?

Remote loan underwriters review loan applications to ensure they are completed properly and comply with all regulations and investor procedures. Instead of working in the office, remote loan underwriters complete their job duties from home or another location outside of the office with internet connectivity. As a remote loan underwriter, you assess the risk of the applicant for your employer, which includes evaluating the customer's credit, reviewing their income, and determining whether the amount they are capable of repaying the amount of the requested loan. Remote loan underwriters usually specialize in a particular type of loan, such as a home, car, or business loans. As part of this job, you may also be asked to review new regulations and procedures or provide consultation to would-be borrowers.

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

To thrive as a Remote Loan Underwriter, you need a solid understanding of credit analysis, risk assessment, and mortgage or commercial loan guidelines, typically backed by experience in finance or a related field. Familiarity with loan origination systems (LOS), automated underwriting systems like DU or LP, and relevant certifications such as Certified Mortgage Underwriter (CMU) are highly valued. Strong attention to detail, analytical thinking, and effective communication skills enable underwriters to evaluate applications accurately and collaborate remotely with teams. These competencies ensure sound lending decisions, regulatory compliance, and efficient workflow in a virtual environment.

What are some common challenges faced by remote loan underwriters, and how can they overcome them?

Remote loan underwriters often face challenges such as maintaining clear communication with team members and managing time effectively when handling multiple loan files. It's important to use collaboration tools and regularly check in with colleagues to avoid misunderstandings and ensure all documentation is accurate and complete. Staying organized with digital workflows and setting clear daily priorities can help underwriters meet deadlines and maintain productivity while working remotely.

What is the difference between Remote Loan Underwriter vs Remote Mortgage Processor?

AspectRemote Loan UnderwriterRemote Mortgage Processor
CredentialsLoan underwriting certifications, mortgage licensingMortgage processing certifications, loan documentation knowledge
Work EnvironmentHome office, financial institutions, lending companiesHome office, mortgage lenders, banks
Industry UsageUsed in loan approval, risk assessmentHandles application intake, document collection
Search & Comparison IntentUnderstanding role differences, career optionsJob responsibilities, qualifications comparison

The Remote Loan Underwriter primarily evaluates loan applications for approval, focusing on risk assessment and compliance, often requiring underwriting certifications. The Remote Mortgage Processor handles the initial application process, gathering documents and preparing files for underwriters. Both roles are essential in the mortgage industry, but they differ in responsibilities and required credentials.

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What are the most commonly searched types of Loan Underwriter jobs?

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What states have the most Remote Loan Underwriter jobs?

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What job categories do people searching Remote Loan Underwriter jobs look for?

The top searched job categories for Remote Loan Underwriter jobs are:

Remote Loan Underwriter jobs near you
Infographic showing various Remote Loan Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 17% Part Time, 4% Contract, and 1% Nights. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $62,410 per year, or $30 per hour.

Mortgage Underwriter - DE/SAR

Rapid Mortgage

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

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.

Apply