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Sr Government Underwriter Jobs (NOW HIRING)

AD Mortgage

Government Senior Underwriter

Troy, MI · Remote

$93K - $110K/yr

Expert knowledge of conventional and government loan underwriting and selling guidelines (e.g. Ginnie Mae, Fannie Mae, Freddie Mac, FHA, VA, etc.) * Exceptional customer service * Excellent attention ...

Northpointe Bank

Senior Underwriter

Grand Rapids, MI · On-site

$94K - $111K/yr

We're hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

FBL Financial Group

Sr. Life Underwriter

West Des Moines, IA · On-site

$96K - $114K/yr

As a Senior Life Underwriter, you must adhere to department policies and procedures and comply with government regulations. There are times where this role would be responsible for training our ...

Crosscountrymortgage

Senior Underwriter

$100K - $119K/yr

The Senior Underwriter communicates all mortgage loan guidelines to Loan Processors and Loan ... government. To verify licensing, please visit www.NMLSConsumerAccess.org

VyStar Credit Union

Senior Mortgage Underwriter

Suwanee, GA · On-site

$108K/yr

Senior Mortgage Underwriter ACCOUNTABILITY STATEMENT The Senior Mortgage Underwriter is responsible ... Review government appraisal to ensure the value of the property is accurately presented. * Maintain ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

Confirm government required documents are complete and accurate * Review title information and ... Underwriters and newly hired Senior Underwriters * Answer and research general underwriting ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Confirm government required documents are complete and accurate * Review title information and ... Underwriters and newly hired Senior Underwriters * Answer and research general underwriting ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

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Sr Government Underwriter information

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$37K

$106.6K

$133.5K

How much do sr government underwriter jobs pay per year?

As of Sep 3, 2026, the average yearly pay for sr government underwriter in the United States is $106,601.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $116,500.00 per year, depending on experience, location, and employer.

What is a Sr Government Underwriter?

A Sr Government Underwriter is a senior-level professional responsible for evaluating and approving mortgage loan applications that are backed by government programs such as FHA, VA, or USDA. They review documentation to ensure compliance with government guidelines and assess the risk associated with each loan application. Their expertise helps lenders manage risk and ensure that loans meet both investor and regulatory requirements. Sr Government Underwriters often provide guidance to junior underwriters and help resolve complex underwriting scenarios.

What are the key skills and qualifications needed to thrive as a Sr Government Underwriter?

A Sr Government Underwriter requires deep knowledge of FHA, VA, and USDA loan guidelines, along with several years of underwriting experience and relevant certifications such as DE (Direct Endorsement) and SAR (Staff Appraisal Reviewer). Proficiency with mortgage loan origination systems (LOS) like Encompass and the ability to analyze complex financial documents are essential. Outstanding attention to detail, strong decision-making, and clear communication skills help manage risk and ensure regulatory compliance. These competencies are crucial for maintaining loan quality, minimizing errors, and supporting efficient mortgage operations.

What are some common challenges Sr Government Underwriters face when reviewing complex loan files?

Sr Government Underwriters often encounter challenges such as interpreting nuanced guidelines for FHA, VA, or USDA loans, resolving documentation discrepancies, and staying updated with frequently changing regulatory requirements. Another common hurdle is balancing the need for thorough risk assessment with the pressure to meet tight loan processing timelines. Effective collaboration with loan officers, processors, and compliance teams is essential to resolve issues efficiently while ensuring the loan file meets all government standards.

What is the difference between Sr Government Underwriter vs Government Underwriter?

AspectSr Government UnderwriterGovernment Underwriter
Required CredentialsBachelor's degree, industry certifications (e.g., CPCU), experience in underwritingSimilar educational background, often with less experience required
Work EnvironmentSenior-level underwriting teams within government agencies or insurance companiesEntry to mid-level underwriting roles in government or public sector organizations
Employer & Industry UsageInsurance companies, government agencies, or public sector entitiesPrimarily government agencies or public sector organizations
Common Search & ComparisonYesYes

The main difference between a Sr Government Underwriter and a Government Underwriter lies in experience and seniority. The Sr Government Underwriter typically has more industry experience, handles complex cases, and may oversee junior staff. In contrast, the Government Underwriter is often an entry to mid-level role focused on standard underwriting tasks within government or public sector organizations.

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Sr Government Underwriter jobs near you
Infographic showing various Sr Government Underwriter job openings in the United States as of August 2026, with employment types broken down into 89% Full Time, 8% Part Time, and 3% Contract. Highlights an 91% Physical, 2% Hybrid, and 7% Remote job distribution, with an average salary of $106,601 per year, or $51.3 per hour.

Senior Government Underwriter

HomeXpress Mortgage Corp

Santa Ana, CA • On-site

$102K - $121K/yr

Full-time

Re-posted 6 days ago

Job description

Company Description
HomeXpress - Your Leading Non-QM Mortgage Lender.
Join our growing team and be part of the Top Non-QM Lender in the Business.
We are known for closing mortgage loans with speed, ease, and convenience.
Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.
If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.
Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!
Job Description
Job Title: Senior Government Underwriter
Department: Agency Operations
Reports To: Agency Operations Manager
PRIMARY FUNCTIONS: The Underwriter (UW) applies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a "knowledge bank" in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage's clients.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Analyze submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
  • Properly Condition loans per Underwriting Guidelines and AUS as applicable
  • Communicate decisions to appropriate individuals
  • Clear all underwriting conditions
  • Ensure the highest quality and level of customer satisfaction
  • Resolve Quality Control and Post Closing deficiencies
  • Collaborate with sales for positive customer experience

DESIRED PERSONAL CHARACTERISTICS:
  • Detail oriented and committed to the highest quality
  • Self-Starter with positive Can-Do attitude
  • Works well under pressure and relishes the responsibility that comes with the job
  • Problem solving and analysis
  • Decision making
  • Results driven
  • Communication proficiency
  • An open-minded individual that embraces change and innovation

JOB REQUIREMENTS:
  • Render decisions, clear conditions, and issue CTC
  • Meet daily and monthly targets for productivity
  • Maintain acceptable quality, and
  • Provide a high level of customer service

EDUCATION:
  • High school diploma

EXPERIENCE:
  • 5+ years of experience in mortgage underwriting
  • At least one government underwriting designation:
    • VA LAPP/SAR, or
    • FHA DE
  • Manual underwriting to FHA and VA handbook requirements
  • AUS proficient
  • Computer proficient in Excel, Word, Outlook, and various LOS
  • Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail.
  • Ability to communicate issues between several audiences proficiently
  • Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

PHYSICAL REQUIREMENTS:
  • This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.

Qualifications
Additional Information
All your information will be kept confidential according to EEO guidelines.

Apply