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Remote Mortgage Underwriting Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

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 ...

Visio Lending

Remote Mortgage Underwriter III

$38.85 - $53.02/hr

Independently complete underwriting decisions in accordance with company standards, investor ... Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT * Work ...

Visio Lending

Remote Mortgage Underwriter II

$35.09 - $48/hr

This role requires strong manual underwriting expertise and the ability to make independent, well ... Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT * Work ...

Upstart

Senior Underwriting Manager, Home Lending

OR · On-site +1

$98K - $116K/yr

The team brings deep mortgage expertise to complex lending scenarios while ensuring underwriting ... Remote Travel requirements As a digital first company, the majority of your work can be ...

Visio Lending

Remote Mortgage Underwriter I

$29.80 - $40.04/hr

Complete underwriting tasks according to program requirements, internal guidelines, and legal ... Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT * Work ...

NovaFi Mortgage, Inc.

Underwriter

Santa Ana, CA · On-site +1

Remote Home Office - KMS Description The Wholesale Underwriter is responsible for reviewing and evaluating residential mortgage loan applications submitted through third-party brokers to ensure ...

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

LBC Mortgage

Underwriter

California City, CA · Remote

Experience with residential mortgage underwriting is a plus What We Offer * Competitive compensation * Career growth opportunities * Supportive and professional work environment * Opportunity to work ...

LBC Mortgage

Underwriter

Los Angeles, CA · On-site +1

Experience with residential mortgage underwriting is a plus What We Offer * Competitive compensation * Career growth opportunities * Supportive and professional work environment * Opportunity to work ...

LBC Mortgage

Underwriter

Los Angeles, CA · Remote

Experience with residential mortgage underwriting is a plus What We Offer * Competitive compensation * Career growth opportunities * Supportive and professional work environment * Opportunity to work ...

NovaFi Mortgage, Inc.

Underwriter

Henderson, NV · On-site +1

$85K - $95K/yr

Proven experience in mortgage underwriting or a related field within financial services. * Strong knowledge of HUD underwriting guidelines. * Excellent analytical skills with attention to detail to ...

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Remote Mortgage Underwriting information

What is the difference between Remote Mortgage Underwriting vs Remote Loan Processing?

AspectRemote Mortgage UnderwritingRemote Loan Processing
Primary RoleAssessing loan applications, verifying borrower information, and determining loan approvalGathering, reviewing, and organizing borrower documents, and preparing loan files for underwriting
Required SkillsAnalytical skills, attention to detail, knowledge of lending guidelinesOrganizational skills, communication, document management
Work EnvironmentHome office or remote, within financial institutions or lendersSimilar remote settings, often within mortgage or banking companies
CertificationsMortgage loan originator licenses, underwriting certifications often preferredGenerally no specific certifications required, but familiarity with loan processing software is beneficial

Remote Mortgage Underwriting involves evaluating loan applications and making approval decisions, while Remote Loan Processing focuses on preparing and organizing loan documents. Both roles are essential in the mortgage industry and often work closely together in a remote setting.

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Remote Mortgage Underwriting jobs near you
Infographic showing various Remote Mortgage Underwriting job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, and 7% Contract. Highlights an 100% Remote job distribution.

Mortgage Underwriter - DE/SAR

Rapid Mortgage

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 28 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