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Sar Underwriter Jobs (NOW HIRING)

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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 ...

rcu

Mortgage Underwriter II

Eau Claire, WI · On-site +1

$41.70 - $47.90/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Mortgage Underwriting experience to include FHA, DE, VA SAR, and Minnesota Housing Finance Agency loans. * Will need to have a Chums ID and VA SAR ID. Work Schedule/Location: * Full-Time hourly ...

UNMB Home Loans Inc

Mortgage Underwriter

Levittown, NY · Hybrid

$100K - $110K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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 ...

Movement Mortgage

Underwriter III

Phoenix, AZ

$93K - $125K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

A Movement Underwriter acts as our gatekeeper with upfront underwriting. We truly value your ... Direct Endorsement (DE) and/or Staff Appraisal Reviewer (SAR) certifications strongly preferred

Movement Mortgage, LLC

Underwriter III

Phoenix, AZ · On-site

$93K - $125K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

A Movement Underwriter acts as our gatekeeper with upfront underwriting. We truly value your ... Direct Endorsement (DE) and/or Staff Appraisal Reviewer (SAR) certifications strongly preferred

Sonabank

Mortgage Underwriter

Wilmington, NC

$79K - $107K/hr

The Mortgage Underwriter is responsible for evaluating and determining the eligibility of loan ... SAR, CTR, FACT ACT, Community Reinvestment Act, EEO, and fair employment practices. * All other ...

MVSB

Residential Underwriter - 3

Keene, NH · On-site

$37.50 - $47/hr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Residential Underwriter, Level 3 Location: New Hampshire Position Details: Full Time, Monday-Friday ... DE/SAR certifications are required. * Strong analytical, problem-solving, and critical-thinking ...

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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 Aug 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.

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 August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 71% Physical, 9% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Mortgage Underwriter

UNMB Home Loans Inc

Levittown, NY • Hybrid

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 3 days ago

Job description

Scope & Ownership

As a Retail Mortgage Underwriter, you’ll deliver strategic impact by making sound credit decisions that protect portfolio quality while keeping files moving. This role exists to apply ownership of risk, guideline adherence, and borrower outcomes across residential mortgage loans.
Responsibilities:
- Underwrite loan files to granted authority in line with investor, GSE, and FHA/VA requirements
- Review applications, income/asset documentation, appraisal and title to confirm accuracy, completeness, and compliance
- Evaluate income, credit, equity, and layered risk; flag red flags and potential misrepresentation
- Validate AUS findings and data integrity; clear conditions and document support
- Partner with Loan Officers/Relationship Managers on guideline interpretation and file questions
- Stay current on investor/regulatory updates impacting underwriting
Qualifications:

- Bachelor's degree preferred

- Adherence to established policies and procedures pertinent to the position which include but are not limited to BSA, Privacy, CRA and Safeguarding Customer Information
- 3+ years residential mortgage underwriting; strong conventional conforming background
- DE and SAR/LAPP certifications required
- Knowledge of 203K and Homestyle; working knowledge of Encompass
- Strong written/verbal communication; able to meet deadlines under pressure
Apply to drive outcomes with integrity and precision.

Total Rewards

Competitive total compensation with a $100,000–$110,000 salary range, plus Medical, Dental, and Vision coverage. Build long-term security with a 401(k) and a Flexible Spending Account. Recharge with Paid Time Off, and enjoy practical in-office touches like a Snack/Drink Room when you’re on site.

How Your Day Flows

Your day typically runs Monday–Friday, 9–5, with work-from-home flexibility. You’ll start by prioritizing a pipeline of files, then shift between focused review time and quick consults with sales partners to remove friction. Midday often includes checking guideline updates or investor notes, then returning to decisions and conditions with a steady pace. You’ll close out the day by aligning open items, documenting decisions cleanly, and setting up the next morning’s highest-impact files.