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Sar Underwriter Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

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 ...

Gateway First Bank

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Mortgage DE / SAR Underwriter

Tulsa, OK · Remote

If you're DE or SAR certified, live in the agency guides, and want to underwrite for a Fannie Mae, Freddie Mac, FHA, VA, USDA, and Portfolio seller/servicer that takes compliance and quality ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

Ability to act as FHA DE, and/or VA Automatic and SAR Underwriter * Order and review MI based on loan program. Ensure that system of record matches MI certificate * Approve/deny loans and update the ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Ability to act as FHA DE, and/or VA Automatic and SAR Underwriter * Order and review MI based on loan program. Ensure that system of record matches MI certificate * Approve/deny loans and update the ...

Atlantic Coast Mortgage

Underwriter

Fairfax, VA · On-site

Underwrites FHA/VA and Conventional loan applications ensuring adherence to Company and investor ... Analyzes appraisals (including FHA, under DE program, SAR under VA program and Portfolio Jumbo)

Gateway First Bank

Mortgage Underwriter

Plano, TX · On-site

If you're DE or SAR certified, live in the agency guides, and want to underwrite for a Fannie Mae, Freddie Mac, FHA, VA, USDA, and Portfolio seller/servicer that takes compliance and quality ...

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Sar Underwriter information

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$32.5K

$78.9K

$139.5K

How much do sar underwriter jobs pay per year?

As of Jun 12, 2026, the average yearly pay for sar underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a SAR Underwriter?

A SAR Underwriter, or Staff Appraisal Reviewer Underwriter, is a mortgage professional authorized by the U.S. Department of Housing and Urban Development (HUD) to review, approve, and underwrite FHA loan applications. Their responsibilities include analyzing borrowers’ financial documents, assessing property appraisals, and ensuring all FHA guidelines are met before loan approval. SAR Underwriters play a crucial role in the mortgage process by helping lenders identify and mitigate risks, ensuring loans are compliant, and safeguarding the interests of both borrowers and lenders.

How to become a SAR underwriter?

To become a SAR underwriter, candidates typically need a bachelor's degree in finance, economics, or a related field, along with experience in underwriting or risk assessment. Strong analytical skills, knowledge of anti-money laundering regulations, and proficiency with underwriting software are also important. Professional certifications such as the Certified Anti-Money Laundering Specialist (CAMS) can enhance job prospects.

What are some common challenges faced by SAR Underwriters, and how can they be managed effectively?

SAR Underwriters often encounter challenges such as analyzing complex financial documents, staying updated with evolving regulatory requirements, and managing tight deadlines. Effective time management and strong attention to detail are crucial, as is continuous professional development to keep abreast of changes in FHA guidelines. Collaboration with loan processors, loan officers, and compliance teams also plays a key role in ensuring accuracy and efficiency throughout the underwriting process.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and risk assessment, enhancing efficiency and accuracy. However, human underwriters still play a vital role in complex decision-making, interpretation, and customer interaction, making full replacement unlikely in the near future.

What is the difference between Sar Underwriter vs Actuarial Analyst?

AspectSar UnderwriterActuarial Analyst
Required CredentialsInsurance-related certifications, underwriting licensesActuarial exams, mathematics or statistics degrees
Work EnvironmentInsurance companies, underwriting departmentsInsurance firms, consulting, or finance sectors
Industry UsagePrimarily in insurance underwritingIn risk assessment and financial modeling

While both Sar Underwriters and Actuarial Analysts work within the insurance industry, Sar Underwriters focus on evaluating and approving insurance applications based on risk, requiring underwriting licenses. Actuarial Analysts analyze data and develop models to predict future claims, often holding actuarial credentials. The roles differ in focus: underwriting is more decision-oriented, while actuarial work emphasizes data analysis and forecasting.

What is the highest paid underwriter?

Senior underwriters, especially those working in specialized fields like reinsurance or with extensive experience and certifications, tend to be the highest paid in underwriting roles. Salaries can reach over $150,000 annually, depending on the industry, location, and level of expertise.

What is a SAR mortgage underwriter?

A SAR mortgage underwriter is a professional responsible for evaluating mortgage loan applications, focusing on the Suspicious Activity Report (SAR) aspect to identify potential fraud or money laundering. They review financial documents, assess risk, and ensure compliance with anti-money laundering regulations, often using specialized software and adhering to industry standards. This role requires strong analytical skills and knowledge of mortgage underwriting and regulatory requirements.

What are the key skills and qualifications needed to thrive as a SAR Underwriter, and why are they important?

To thrive as a SAR Underwriter, you need in-depth knowledge of mortgage underwriting, FHA/VA lending guidelines, and a Direct Endorsement (DE) certification, often supported by several years of underwriting experience. Expertise in loan origination systems, automated underwriting platforms (like DU and LP), and compliance software is typically expected. Strong analytical thinking, attention to detail, and clear communication are vital soft skills for accurately assessing risk and collaborating with loan teams. These skills ensure sound lending decisions, regulatory compliance, and a smooth loan process for both lenders and borrowers.
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What states have the most Sar Underwriter jobs? States with the most job openings for Sar Underwriter jobs include:
What job categories do people searching Sar Underwriter jobs look for? The top searched job categories for Sar Underwriter jobs are:
Sar Underwriter jobs near you
Infographic showing various Sar Underwriter job openings in the United States as of June 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 91% Physical, 4% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

DE/SAR Underwriter

Tri Pointe Homes Holdings, Inc.

Scottsdale, AZ • On-site

Full-time

Posted 7 days ago

Job description

Overview
Are you passionate about making a real impact in the homebuying journey? At Tri Pointe Solutions, the financial services affiliate of Tri Pointe Homes, we're redefining what it means to purchase a home. Our dynamic team is driven by innovation, collaboration, and a shared commitment to excellence. We offer a comprehensive suite of services-including mortgage, title, escrow, homeowner's and title insurance-all integrated under one roof to create a seamless, high-quality lending experience for our borrowers. If you're ready to be part of a forward-thinking company that's shaping the future of the industry, apply to join our outstanding team.
Tri Pointe Connect, the mortgage affiliate of Tri Pointe Homes, is looking for an experienced individual to join our talented group as a DE/SAR Underwriter. This is a remote position, Arizona based preferred.
Position Highlights: Underwriters at Tri Pointe Connect determine the home buyer's ability to qualify for a mortgage loan. Underwriters understand investor and agency guidelines along with various regulatory requirements relating to mortgage loans. Underwriters review critical documents relating to income and assets such as paystubs, tax returns, bank statements, credit reports, and other key documents applicable to the mortgage transaction. A DE/SAR Underwriter is delegated in conventional (FNMA, FHLMC) as well as at least two additional government agencies (VA, FHA, USDA). A successful DE/SAR Underwriter at Tri Pointe Connect displays a strong desire for unparalleled customer service, is willing to work in a team atmosphere, employs excellent communication skills (both written and verbal), is well-organized, and extremely detail-oriented. If you are looking to make a difference, Tri Pointe Connect is the place for you!
Position Responsibilities:
  • Review file for completeness, comparing data entered in loan application with actual documentation in file
  • Review all documentation in file to ensure it meets applicable agency or investor guidelines
  • Calculate income including potentially complex financial documents such as business tax returns
  • Run automated underwriting systems (LP, DU, GUS, TOTAL) as applicable
  • Disposition status of documents received to include acceptance or rejecting documentation for acceptability of meeting loan conditions
  • May be required to facilitate restructuring of loans when documentation supplied does not meet guidelines by locating another program that will be acceptable
  • Communicate verbally and electronically with internal parties applicable to the transaction including but not limited to loan consultants, loan processors, and operational and sales managers as applicable
  • Manage pipeline deadlines to ensure loans are submitted to critical milestones to meet purchase contract close of escrow deadlines
  • Maintain updated communication logs or other status reports as applicable
  • Attend weekly/monthly departmental meetings
  • Understand and adhere to all critical regulatory guidelines
  • Meet all established Quality Control Metrics including responding to any audit citations or deficiencies
  • Attend departmental and compliance training as required
  • Meet minimum production requirements for new loan files as well as resubmission/condition reviews

Position Qualifications:
  • DE/SAR required
  • High school diploma or equivalent
  • Minimum 5-7 years experience with conventional and government underwriting of two or more agencies (VA, FHA, USDA); purchase/builder business preferred
  • MS Office; including Outlook, Word, and Excel
  • Encompass LOS experience preferred
  • Must pass CAIVRS acceptability

Job Specific Core Competencies:
  • Excellent verbal and written communication skills
  • Strong attention to detail
  • Outstanding interpersonal and customer service skills
  • Ability to multi-task and meet deadlines
  • Strong organizational skills
  • Ability to operate independently when needed but perform as a team player
  • Strong knowledge of underwriting guidelines - Fannie Mae/Freddie Mac plus FHA and VA as well as investor-specific guidelines as applicable
  • Strong regulatory knowledge, including ECOA, HMDA, RESPA, and other applicable federal or state-specific guidelines
  • Strong time management skills including the ability to work under fast paced, sometimes tight deadlines

Want to know what it's like working at Tri Pointe Homes? Click here to see what our employees have to say: Great Place to Work Certified Company
Tri Pointe Homes is committed to building a diverse and talented team to help us achieve our goals. Please note that due to operational constraints, we are unable to consider applicants who require visa sponsorship (e.g., H1B, OPT) for this position. This policy applies uniformly to roles where sponsorship cannot be accommodated to ensure consistency and fairness in our hiring process.
At Tri Pointe Homes, we are intentional about fostering an environment where you, and all individuals, are encouraged to be their authentic selves. We embrace individuality and strive to be consciously inclusive of different backgrounds, experiences, and perspectives in every aspect of our business. We believe our company's strength relies on the diversity of the team and the unique, innovative ideas everyone contributes.
Pursuant to the California Consumer Privacy Act of 2018, if you are a California resident, you have the right to know the categories of personal information that we collect about job applicants, employees and their emergency contacts and beneficiaries, and independent contractors. Please click here for a description of our personal information collection practices.
We are an Equal Opportunity Employer, which means we make employment decisions based on merit and qualifications and are committed to providing equal opportunities for all applicants and employees without regard to their race, color, creed, religion, national origin, ancestry, citizenship status, age, disability, sex, sexual orientation, gender identity or expression, veteran status, genetic information, or any other characteristic protected by applicable federal, state or local laws.
We will endeavor to make a reasonable accommodation to the known physical or mental limitations of a qualified applicant with a disability unless the accommodation would impose an undue hardship on the operation of our business. If you believe you require such assistance to apply for an open position or to participate in an interview, please let us know.

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