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Va Underwriter Jobs (NOW HIRING)

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site +1

$93K - $111K/yr

About this opportunity We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential ...

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site

$93K - $111K/yr

Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines * Analyze borrower credit, income, assets, and collateral to determine loan eligibility

Sun West Mortgage-Since 1980

Be Seen First

DE and VA Underwriter- Remote

Cerritos, CA · Remote

$110K - $150K/yr

We are seeking a seasoned DE and VA Underwriter to join our growing team. This individual will be responsible for making high-stakes, independent credit decisions that directly impact $20-$30 million ...

POINT MORTGAGE CORPORATION

UNDERWRITER

Chula Vista, CA · On-site

$0.01 - $0.02/hr

At least 3+ years mortgage underwriting experience Knowledge of Fannie Mae, Freddie Mac, FHA/VA underwriting process and standard guidelines Proficient with mortgage operating systems, preferably ...

Gesa Credit Union

Sr. Home Loan Underwriter

Richland, WA · On-site

$47.66 - $79.45/hr

Work with management on FHA and VA underwriting approval authority projects. About You * Demonstrates high accuracy and attention to detail. * Effective written and oral communication skills.

Gesa Credit Union

Sr. Home Loan Underwriter

Spokane, WA · On-site

$47.66 - $79.45/hr

Work with management on FHA and VA underwriting approval authority projects. About You * Demonstrates high accuracy and attention to detail. * Effective written and oral communication skills.

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How much do va underwriter jobs pay per year?

As of Sep 7, 2026, the average yearly pay for va underwriter in the United States is $105,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $97,500.00 and $112,000.00 per year, depending on experience, location, and employer.

What is a VA underwriter?

VA Underwriters are financial professionals who review and evaluate mortgage loan applications submitted under the U.S. Department of Veterans Affairs (VA) loan program. Their primary responsibility is to ensure that all loans meet the VA's guidelines and requirements, including verifying the borrower's eligibility, income, credit history, and property details. VA Underwriters play a critical role in safeguarding the interests of both lenders and veterans by minimizing risk and ensuring that loans are properly documented and compliant. They work closely with loan officers, processors, and other team members to facilitate a smooth approval process.

What does a VA underwriter do?

A VA underwriter works for a lender and evaluates borrowers’ ability to repay a mortgage loan issued by the United States Department of Veterans Affairs (VA). In this position, you evaluate a borrower’s employment history, financial position, service eligibility, and other personal data that may impact lending. Your responsibilities also include reviewing the loan file to ensure that it includes the required documentation and meets all of the criteria for the loan, including the maximum allowable amount. If you work for a non-supervised lender, your duties may include ensuring that the loan meets VA rules and seeking agency approval for the transaction. As a VA underwriter, your qualifications include both experience in general loan processing and underwriting, as well as specialized skills in and understanding of VA requirements.

What are the key skills and qualifications needed to thrive as a VA underwriter?

To thrive as a VA Underwriter, you need a strong understanding of VA loan guidelines, mortgage underwriting principles, and risk assessment, usually supported by experience in mortgage lending or relevant certifications. Familiarity with automated underwriting systems (AUS), loan origination software, and compliance tools is typically required. Attention to detail, analytical thinking, and effective communication are crucial soft skills for evaluating loan files and interacting with loan officers or applicants. These skills ensure compliant, accurate loan decisions that support both the lender’s business and veterans’ access to home financing.

What are some common challenges VA underwriters face when evaluating loan applications?

VA Underwriters often encounter challenges such as interpreting complex borrower financial documents, ensuring strict adherence to Department of Veterans Affairs guidelines, and handling cases with unique circumstances like non-traditional income or joint loans. Balancing speed of processing with thorough risk assessment is also crucial, as VA loans have specific documentation and eligibility requirements. Effective communication with loan officers, processors, and sometimes applicants is essential to resolve issues quickly and keep the mortgage process moving smoothly.
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Va Underwriter jobs near you
Infographic showing various Va Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 90% In-person, and 10% Remote job distribution, with an average salary of $105,999 per year, or $51 per hour.

VA Senior Underwriter

AD Mortgage

Fort Lauderdale, FL • On-site, Remote

$93K - $111K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 22 days ago

Job description

About this opportunity
We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential mortgage loan applications to ensure compliance with VA guidelines, agency requirements, and company policies. The ideal candidate brings strong expertise in VA loans, sound risk assessment skills, and a commitment to delivering high-quality underwriting decisions in a fast-paced environment.
Key Responsibilities
• Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines
• Analyze borrower credit, income, assets, and collateral to determine loan eligibility
• Calculate and validate income for self-employed and wage-earner borrowers
• Evaluate appraisals and collateral documentation for accuracy and completeness
• Issue clear and concise underwriting decisions, including conditions and loan stipulations
• Communicate effectively with loan officers, processors, and internal partners to resolve file conditions
• Ensure all loans meet compliance, quality control, and regulatory requirements prior to approval
• Maintain accurate and up-to-date underwriting documentation within the LOS
• Meet established productivity, quality, and turnaround time standards
• Stay current on VA guideline updates and industry changes
Location and Schedule
  • This is a full-time remote opportunity for candidates located outside of the Troy, MI and Ft. Lauderdale, FL areas. Candidates within a 50-mile radius of either office will be expected to work onsite.
  • Our standard working hours are Monday to Friday, 9:00 AM to 6:00 PM.
Skills & Qualifications
• 3+ years of mortgage underwriting experience with a strong focus on VA loans
• Must hold SAR certification, DE certification is a plus
• In-depth knowledge of VA underwriting guidelines and agency requirements
• Experience reviewing complex income scenarios including self-employed borrowers
• Strong analytical, decision-making, and problem-solving skills
• Excellent attention to detail and organizational skills
• Ability to manage a high volume pipeline in a deadline-driven environment
• Strong communication and collaboration skills
• Proficiency with Encompass or similar loan origination systems
Preferred Qualifications
• Experience with FHA, Conventional, and USDA underwriting
• Prior experience in a fast-paced retail or correspondent lending environment
What We Offer | Career and Culture
  • Company Culture: Inclusive, supportive company culture where you are not a number, but a voice that's heard and brings value.
  • Growth Path: Defined paid training and clear pathways for career development.
  • Benefits: Comprehensive benefits package including PTO, sick days, paid volunteer hours, medical, dental, vision insurance, and 401(k).
    Take the first step towards a rewarding career in the mortgage industry with AD Mortgage.
    Our Recruitment team will reach out to you shortly!

Connect with us: Explore our social media to get a sense of our corporate culture.
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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, sexual orientation, age, marital status, veteran status, or disability status.
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform crucial job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.
Department Mortgage Operations | Underwriting Role VA Senior Underwriter Locations Ft. Lauderdale HQ Remote status Fully Remote Employment type Full-time

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