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Remote Mortgage Underwriting Jobs (NOW HIRING)

Deephaven

Remote Non QM Underwriter

$52.88/hr

This role is remote with ability to work from any state in the U.S. What You'll Do * Manually ... of updated mortgage underwriting and compliance standards and procedures * Analyze loan ...

ONETOUCH PROCESSING LLC

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Remote Mortgage Loan Processor (Michigan Preferred)

Dearborn Heights, MI · Remote

$40K - $56K/yr

OneTouch Processing is seeking an experienced Mortgage Loan Processor to join our remote team. We ... Communicate with loan officers, underwriters, title companies, and clients to gather and verify ...

Huntington

Underwriter Senior - Home Lending

Tupelo, MS · On-site +1

$110K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Huntington

Underwriter Senior - Home Lending

Houston, TX · On-site +1

$111K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

ONETOUCH PROCESSING LLC

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Remote Mortgage Loan Processor (Michigan Preferred)

Dearborn Heights, MI · Remote

$40K - $56K/yr

OneTouch Processing is seeking an experienced Mortgage Loan Processor to join our remote team. We ... Communicate with loan officers, underwriters, title companies, and clients to gather and verify ...

Huntington

Underwriter Senior - Home Lending

Hoover, AL · On-site +1

$102K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Obsidian Financial Services

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Senior Mortgage Underwriter

Melbourne, FL · Remote

$70K - $80K/yr (+ commission)

Conduct thorough underwriting reviews of residential mortgage applications, analyzing borrower ... We provide a remote-first environment, cutting-edge technology, and a strong internal support ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Huntington

Underwriter Senior - Home Lending

Tupelo, MS · On-site +1

$110K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA ... Remote roles will also have the opportunity to come together in our offices for moments that matter.

Quorum

Mortgage Underwriter I - REMOTE

Dobbs Ferry, NY · On-site +1

Must perform underwriting functions in all stages of the application, including but not limited to ... The Mortgage Underwriter I performs a major portion of his/her duties through verbal and written ...

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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

Security National Financial Corporation

Remote

Full-time

Re-posted 3 days ago

Job description

Job Type
Full-time
Description
What You'll Do
A Mortgage Underwriter is responsible for assessing and evaluating mortgage applications to determine their eligibility for approval. The primary goal of a mortgage underwriter is to ensure that the loans being granted align with the lender's risk tolerance and lending criteria.
Essential Duties and Responsibilities:
  • Review and analyze mortgage applications, supporting documentation, credit reports, and financial statements to assess applicants' creditworthiness and ability to repay the loan.
  • Evaluate borrowers' income, employment history, credit history, debt-to-income ratio, and other relevant financial factors to determine if the loan application meets lending guidelines.
  • Determine that the prospective borrower not only has the ability to pay but has also proven a willingness to repay their debts, thus limiting the probability of default and collection difficulties.
  • Look for complete and accurate information on the loan application and loan package and address any questions raised by lack of documentation or information in order to make an underwriting decision.
  • Validate the borrower has sufficient acceptable cash assets available to close the mortgage.
  • Evaluate the property to confirm it is sufficient collateral for the mortgage and that it meets the investors and insurer's minimum acceptable requirements.
  • Apply established underwriting guidelines and analyze risk to determine whether to approve, decline, or recommend modifications to loan applications.
  • Prepare comprehensive underwriting conditions and underwriting comments supporting justifications for loan approvals or denials.
  • Ability to identify red flags and apply prudent underwriting.
  • Collaborate with loan officers, processors, and other relevant parties to gather information and clarify discrepancies in loan applications.
  • Utilize the appropriate AUS system and properly entering data into the AUS from the validated information on the URLA.
  • Collect any information to sell the loan after the loan is closed based on an investor's suspense, EPD, QC, or other unresolved issues.
  • Ensure compliance with federal, state, and local regulations, as well as adherence to internal lending policies and procedures.
  • Stay current with industry trends, lending regulations, and market conditions to adjust underwriting practices as needed.
  • Other duties as assigned.

Requirements
What We'll Love About You
Education and/or Work Experience Requirements:
  • Bachelor's degree in finance, economics, business, or a related field (or equivalent experience).
  • Prior experience as a mortgage underwriter or in a similar role within the lending industry.
  • FHA DE, Non-QM, Rural Housing and VA LAPP/SAR are Highly recommended.
  • Strong understanding of mortgage lending guidelines, regulations, and compliance requirements.
  • Proficiency in using underwriting software, financial analysis tools, and Microsoft Office suite.
  • Excellent analytical and problem-solving skills with a keen attention to detail.
  • Effective communication skills, both written and verbal, for interacting with internal teams and external stakeholders.
  • Ability to work independently and make sound decisions while adhering to established policies and procedures.
  • Strong time management skills to prioritize and manage a high volume of loan applications.
  • Professional certifications such as Certified Mortgage Underwriter (CMU) or similar credentials are a plus.

Physical Requirements:
  • Must be able to occasionally lift and carry up to 15 lbs.
  • Must be able to sit for prolonged periods at a desk, while working on a computer.

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