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Sar Underwriter Jobs (NOW HIRING)

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required - Knowledge of 203K and Homestyle; working knowledge of ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required - Knowledge of 203K and Homestyle; working knowledge of ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required - Knowledge of 203K and Homestyle; working knowledge of ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

$100K - $110K/yr

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required - Knowledge of 203K and Homestyle; working knowledge of ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · On-site

$100K - $110K/yr

Scope & Ownership As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required - Knowledge of 203K and Homestyle; working knowledge of ...

NVR, Inc.

Mortgage Underwriter

Reston, VA · On-site

An approved FHA, DE (Direct Endorsed) or VA SAR/LAPP Underwriter * At least 5 years of experience underwriting loans * Excellent customer service skills * Proven ability to collaborate and problem ...

NVR Inc

Mortgage Underwriter

Reston, VA · On-site

An approved FHA, DE (Direct Endorsed) or VA SAR/LAPP Underwriter * At least 5 years of experience underwriting loans * Excellent customer service skills * Proven ability to collaborate and problem ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · On-site

$100K - $110K/yr

Scope & OwnershipAs a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound ... and SAR/LAPP certifications required- Knowledge of 203K and Homestyle; working knowledge of ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/hr

Active CHUMS ID# required, SAR ID # and SONYMA experience preferred. * Expert knowledge in a minimum of two of the following: Non-QM, FHA, VA and USDA regulations and underwriting guidelines, must be ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/hr

Active CHUMS ID# required, SAR ID # and SONYMA experience preferred. * Expert knowledge in a minimum of two of the following: Non-QM, FHA, VA and USDA regulations and underwriting guidelines, must be ...

CrossCountry Mortgage

Forensic Underwriter

... if SAR report should be filed. Qualifications and Skills: • Minimum 5 years' underwriting experience with exposure to both manual and automated underwriting environments. • Knowledge of FNMA ...

Crosscountrymortgage

Forensic Underwriter

Coordinate with the legal department regarding any potential fraud discovered to determine if SAR report should be filed. Qualifications and Skills: Minimum 5 years' underwriting experience with ...

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Sar Underwriter information

See salary details

$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:

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 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.

Jumbo/ Non-QM Underwriter

Atlantic Coast Mortgage

Remote

Full-time

Re-posted 5 days ago

Job description

Our team is redefining the industry - and creating a culture of excellence.
Founded in 2011, Atlantic Coast Mortgage embodies a people-first culture rooted in commitment, character, and innovation. What began as a small team has grown into a thriving organization where our people remain the driving force behind our mission to redefine the mortgage industry. We believe individuals do their best work in an environment designed for success-and we're proud to be recognized by The Washington Post as a Top Workplace. As we continue to grow, we're not just hiring employees-we're looking for driven, energetic, and creative problem-solvers. If that sounds like you, and you're ready to build your career with a company committed to making meaningful change in our industry, we'd love to connect.
The Jumbo/ Non-QM Underwriter underwrites all levels of complexity of mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss with a specialty in Jumbo and Non-QM loan products. Responsible for collateral evaluation in accordance to agency and or investor guidelines. Able to manually underwrite loans and is not reliant on automated underwriting to make a sound credit decision.
Responsibilities:
  • Underwrites Jumbo and Non-QM loans in addition to FHA/VA and Conventional loan applications ensuring adherence to Company and investor credit quality standards
  • Maintain ACM mandated turn times for new reviews and conditions
  • Analyzes mortgage loan files, which include customer applications, income documentation, appraisal and title reports, to ensure compliance with the company's policies, as well as state and federal regulations
  • Analyzes loan attributes and documentation for soundness and accuracy
  • Analyzes loan applications to identify any risk issues
  • Evaluates overall income, credit and equity of each loan application
  • Ensures all required documentation have been received and completed for the loan process approval
  • Determines the amount of loan to be approved when all criteria for underwriting have been met. Makes recommendations for loan approval
  • Supports Loan Officers during the qualification process and for turndown decisions.
  • Provides support to Loan Officers and Processors regarding questions and/or clarification of inquiries, loan files, and underwriting guidelines
  • Ensures timely review and follow-up steps in order to meet and exceed customer's expectations
  • Keeps up to date on investor and regulatory policies, procedures and changes that affect mortgage underwriting
  • Communicates with team members and management on outstanding requirements and conditions, as well as, the status of each loan application
  • Analyzes appraisals (including FHA, under DE program, SAR under VA program and Portfolio Jumbo). Reviews the fee appraiser's reports for completeness and conformity with industry-accepted appraisal practices and techniques as well as all other Federal Housing Administration (FHA) and Veterans Administration (VA) requirements. Determines the reasonable value of the property and any conditions which must be met prior to VA guaranty of the loan
  • Knowledge of FHA Streamline and VA IRRLS
  • The candidate should be oriented toward a deal driven environment and capable of managing multiple transactions simultaneously under tight time pressure. Has thorough knowledge of all GSE underwriting requirements
  • Possesses strong understanding of the operational responsibilities involved in the purchase and transfer of whole loan assets as it pertains to credit quality
  • Skilled in negotiating issues and resolving problems
  • Skilled in effective verbal and written communications, including active listening, and presenting findings and recommendations
  • Ability to establish and maintain working relationships with co-workers, staff and external contacts, and to work effectively in a professional team environment

Qualifications:
  • FHA DE Designation (CHUMS#) and VA SAR/LAP is a plus but not required
  • USDA/VHDA experience a plus
  • A minimum of 5 years Underwriting experience
  • Experience working with Fannie Mae Desktop Underwriter and Freddie Mac Loan Prospector
  • Thorough knowledge and understanding of all federal and state guidelines
  • Ability to read, analyze and interpret technical procedures and government regulations
  • Superior internal and external customer service skills
  • Exceptional written and verbal communication skills
  • Excellent organizational skills and attention to detail
  • Proficient computer skills including Microsoft Office
  • Proficiency in paperless loan underwriting
  • Strong sense of urgency to meet deadlines with the ability to work in a fast paced environment

ACM promotes an Equal Employment Opportunity (EEO) workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, national origin, disability, protected veteran status, or any other status protected by law. If you are disabled and need assistance in the application process, please contact the ACM Human Resources department.
To provide greater transparency, we disclose a good-faith compensation range on all of our job postings, regardless of the position's location. This range has not been adjusted for geographic pay differentials and may not reflect the final rate offered if the position is filled in a location other than where it was posted. Compensation within this range is determined by a combination of factors, including experience, skill, and organizational needs. The salary range for this position is $65,000 - $154,000 annually. This position may also be eligible to participate in a discretionary bonus compensation. Bonus compensation is not guaranteed and is subject to the terms and conditions of the applicable program.

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