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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 ...

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 ...

Efinity Mortgage

Mortgage Underwriter

Description Our mortgage company is expanding, and we are seeking an experienced Senior Mortgage Underwriter with active FHA Direct Endorsement (DE) and VA SAR recommended, not required, to join our ...

Efinity Mortgage

Mortgage Underwriter

Los Angeles, CA

$100K/yr

Our mortgage company is expanding, and we are seeking an experienced Senior Mortgage Underwriter with active FHA Direct Endorsement (DE) and VA SAR recommended, not required, to join our underwriting ...

HIGHTECHLENDING INC

Mortgage Underwriter

Irvine, CA · On-site

As we celebrate our 20th Anniversary and continue our exciting growth, we're expanding our team and looking for an experienced Mortgage Underwriter with and active VA SAR/LAPP to join us. If you're a ...

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 Jul 23, 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.

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.

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 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.
More about Sar Underwriter jobs
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 July 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Mortgage Underwriter - DE/SAR

Mortgage Underwriter - DE/SAR

Rapid Mortgage

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 14 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