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Sar Underwriter Jobs (NOW HIRING)

If you're a self-driven Underwriter with USDA experience, DE and SAR certified, motivated professional looking to achieve a high level of success in the mortgage industry, then this is the ...

Underwriter

Fairfax, VA · On-site

$65K - $154K/yr

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)

Underwriter

Rochester, NY

$38.46 - $43.25/hr

SAR ID# and SONYMA experience preferred. * Expert knowledge with FHA regulations and underwriting guidelines. * Knowledge and experience in the secondary market arena. * Knowledge of Fannie Mae DU ...

VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General understanding and knowledge ...

VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General understanding and knowledge ...

VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General understanding and knowledge ...

Underwriter

Rochester, NY · On-site

$38.46 - $43.25/hr

SAR ID# and SONYMA experience preferred. * Expert knowledge with FHA regulations and underwriting guidelines. * Knowledge and experience in the secondary market arena. * Knowledge of Fannie Mae DU ...

VA SAR and certification * Experience in underwriting FNMA/FHLMC/FHA/VA / USDA Rural Housing investor loans * Documented experience in mortgage loan underwriting * General understanding and knowledge ...

Senior Underwriter

Henderson, NV · On-site

$96K - $114K/yr

Job Title: Senior Underwriter Location: Remote Job Type: Full-Time Company: Village Capital ... SAR/LAPP approval for VA loans (Preferred) Benefits: * 401(k) matching * Dental insurance * Health ...

Active SAR or VA credit authority * Active FHA DE (Direct Endorsement) certification * Experience underwriting Jumbo or USDA loans * College degree * Background in fraud detection or risk mitigation

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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 Sep 2, 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 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.

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.

More about Sar Underwriter jobs

What states have the most Sar Underwriter jobs?

States with the most job openings for Sar Underwriter jobs include:

Infographic showing various Sar Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 59% In-person, and 41% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Full-time

Re-posted 19 days ago


Job description

Description
Our top-notch lending team is looking for a goal-driven Mortgage Underwriter to assist with making quality decisions on VA, FHA, and conventional loans for clients.
Your main responsibilities will include identifying, examining, and balancing transactional, borrower, and property-related risks and offsets to arrive at a loan decision of approval, suspense, counteroffer, or denial. You will also use your analytical skills and extensive knowledge of the loan process to thoroughly inspect credit reports, income documentation, asset documentation, liabilities, property appraisals, and title reports to make sure that loans meet company standards, government regulations, and standards for sale to the secondary market.
In addition, you will be considered the subject matter expert of the company and, with partners and management, on all underwriting-related issues and provide any and all analytical support and counseling advice in their functional areas as needed.
To succeed in this position, you must have a strong understanding of the loan process, with knowledge of the various types of mortgage documents and investor requirements. You should also be able to effectively prioritize your time on projects and produce an accurate, high-quality work product.
If you're a self-driven Underwriter with USDA experience, DE and SAR certified, motivated professional looking to achieve a high level of success in the mortgage industry, then this is the opportunity for you. Start your application for a competitive salary today!