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Remote Mortgage Underwriter Jobs (NOW HIRING)

Visio Lending

Remote Mortgage Underwriter II

$35.09 - $48/hr

We offer a collaborative culture, growth opportunities, and flexibility with remote work options ... of mortgage underwriting experience, with a strong focus on Non-QM loans * Solid manual ...

Visio Lending

Remote Mortgage Underwriter III

$38.85 - $53.02/hr

We offer a collaborative culture, growth opportunities, and flexibility with remote work options ... mortgage underwriting experience , with deep expertise in Non-QM loans * Advanced manual ...

Visio Lending

Remote Mortgage Underwriter I

$29.80 - $40.04/hr

We offer a collaborative culture, growth opportunities, and flexibility with remote work options ... the mortgage industry with strong knowledge of Non-QM documentation * Solid manual underwriting ...

AmeriSave Mortgage Corp.

Mortgage Underwriter

$28 - $38/hr

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.

$28 - $38/hr

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

Equity Resources, Inc

Mortgage Underwriter

Newark, OH · On-site +1

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

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 (+ commission)

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 ...

LBC Mortgage

Underwriter

Los Angeles, CA · On-site +1

About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions ... Position Overview The Commercial Mortgage Underwriter will be responsible for analyzing and ...

LBC Mortgage

Underwriter

Los Angeles, CA · Remote

About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions ... Position Overview The Commercial Mortgage Underwriter will be responsible for analyzing and ...

LBC Mortgage

Underwriter

California City, CA · Remote

About LBC Mortgage At LBC Mortgage, we are committed to delivering exceptional lending solutions ... Position Overview The Commercial Mortgage Underwriter will be responsible for analyzing and ...

Quorum

Mortgage Underwriter I - REMOTE

Dobbs Ferry, NY · On-site +1

As a remote organization, we thrive on collaboration and recognize outstanding performance. We are ... As a Mortgage Underwriter I you will be responsible for independent analysis of moderately complex ...

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Remote Mortgage Underwriter information

What does a remote mortgage underwriter do?

A remote mortgage underwriter is responsible for evaluating and approving or denying loan applications for home mortgages while working from a location outside of a traditional office. They review financial documents, credit histories, and property details to assess whether applicants meet the lender's requirements. The job requires strong analytical skills, attention to detail, and knowledge of mortgage regulations. Remote underwriters communicate with loan officers and applicants electronically to clarify information and ensure all necessary documentation is complete before making a decision.

What does a remote mortgage underwriter do?

A Remote Mortgage Underwriter provides loan analysis and decision-making services to a financial institution from a remote location, such as a work-from-home setup. As a Remote Mortgage Underwriter, you use various online systems to review mortgage loan applications for completeness and accuracy, verify supporting documents, determine whether potential borrowers demonstrate an acceptable level of risk, and approve or deny loan requests on behalf of the lender. You consider factors such as loan-to-value (LTV) and debt-to-income (DTI) ratios in your decision-making processes. You need strong analytical and organizational skills as well as a solid work ethic to succeed in this career.

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

To thrive as a Remote Mortgage Underwriter, you need a thorough understanding of mortgage lending guidelines, risk assessment, and financial analysis, often supported by relevant experience or certifications such as DE (Direct Endorsement) or SAR (Staff Appraisal Reviewer). Familiarity with automated underwriting systems (AUS) like DU (Desktop Underwriter) or LP (Loan Prospector), as well as document management software, is typically required. Strong attention to detail, analytical thinking, and effective written communication are vital soft skills for this role. These qualifications and skills ensure accurate loan decisions, regulatory compliance, and efficient remote collaboration in the mortgage process.

How does a remote mortgage underwriter typically collaborate with loan officers and processors to ensure timely loan approvals?

Remote mortgage underwriters regularly communicate with loan officers and processors through secure digital platforms, email, and video calls to clarify documentation, resolve discrepancies, and ensure all loan conditions are met. Effective collaboration is essential to keep the loan process on track, especially since underwriters often work independently but rely on timely information from team members. Being proactive in communication and responsive to questions helps remote underwriters maintain workflow efficiency and meet closing deadlines. Many organizations also use collaborative loan origination systems that streamline document sharing and task management.

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

AspectRemote Mortgage Underwriter
Primary RoleEvaluates loan applications, assesses risk, and approves or denies mortgage loans based on guidelines.
Required CredentialsTypically requires mortgage underwriting certifications, such as the Mortgage Underwriter Certification, and relevant experience.
Work EnvironmentWorks remotely, analyzing documents and making decisions independently, often using specialized underwriting software.
Industry UsageCommonly employed by banks, mortgage lenders, and financial institutions.

While both roles are involved in the mortgage loan process, a Remote Mortgage Underwriter focuses on risk assessment and approval decisions, whereas a Remote Loan Processor handles document collection and initial processing. The underwriter's role is more analytical and decision-oriented, requiring specific certifications, and both roles are essential in the mortgage industry.

Is remote mortgage underwriting a good career?

Remote mortgage underwriting is a stable career option within the financial services industry, requiring skills in risk assessment, attention to detail, and familiarity with loan software. It offers flexibility in work location and often involves standard working hours, with opportunities for certification and career advancement. The role is suitable for individuals interested in finance and real estate markets.
More about Remote Mortgage Underwriter jobs

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

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States with the most job openings for Remote Mortgage Underwriter jobs include:

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For Remote Mortgage Underwriter jobs, the most frequently searched job titles are:

Remote Mortgage Underwriter jobs near you
Infographic showing various Remote Mortgage Underwriter job openings in the United States as of September 2026, with employment types broken down into 95% Full Time, and 5% Part Time. Highlights an 100% Remote job distribution.

Mortgage Underwriter - DE/SAR

Remote

Rapid Mortgage
Finance and Insurance • 51 - 200 employees
Learn more about Rapid Mortgageexternal

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 6 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.

Apply