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Va Underwriter Jobs (NOW HIRING)

SERVION INC

Underwriter II

Saint Paul, MN · On-site

$31.43 - $39.29/hr

This position completes underwriting reviews of residential first mortgages in accordance with HUD/VA Credit and Appraisal Guidelines and special investor overlays in a timely manner, ensuring ...

American Mortgage Network

UNDERWRITER III

Phoenix, AZ · On-site

American Mortgage Network is seeking a seasoned Senior Mortgage underwriter with 5 years of experience underwriting Conventional, FHA and VA loans. American Mortgage Network is a 100% employee owned ...

Solugenix

Underwriter

Fort Mill, SC · Remote

$59.29/hr

Credit Qualification, Loan Review, FHA Compliance, VA Compliance, FNMA Compliance, FHLMC Compliance, Condition Coordination, Title Ordering. Pay Range for CA, CO, IL, NJ, NY, WA, and DC: $59.29/hour ...

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Atlantic Coast Mortgage

Underwriter

Fairfax, VA · On-site

Underwrites 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 ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Choice Mortgage Group

Senior Underwriter

Boca Raton, FL · On-site +1

$93K - $110K/yr

Responsibilities • Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, Fannie Mae, Freddie Mac and FHA/VA guidelines. • Underwrites the entire ...

Mortgage Solutions of Georgia

Underwriter

$65K/yr

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 ...

Choice Mortgage Group

Senior Underwriter

Boca Raton, FL

$93K - $110K/yr

Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, Fannie Mae, Freddie Mac and FHA/VA guidelines. * Underwrites the entire credit package and ...

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How much do va underwriter jobs pay per year?

As of Jun 15, 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 are the key skills and qualifications needed to thrive as a VA Underwriter, and why are they important?

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.

Are VA underwriters strict?

VA underwriters are responsible for evaluating loan applications to ensure they meet VA guidelines and eligibility requirements. They follow strict protocols to assess borrower creditworthiness, income, and property standards, which can result in thorough and sometimes rigorous review processes. Attention to detail and adherence to VA policies are essential in this role.

How do you become a VA underwriter?

To become a VA underwriter, candidates typically need a high school diploma or equivalent, along with experience in mortgage lending or underwriting. Relevant skills include knowledge of VA loan guidelines, financial analysis, and proficiency with underwriting software; obtaining industry certifications can also enhance job prospects.

What are VA Underwriters?

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 evaluates loan applications for veterans seeking VA home loans, assessing creditworthiness, income, and property details to determine eligibility and risk. They ensure that loan files meet VA guidelines and may use specialized underwriting software to make informed decisions efficiently.

What is the highest paid underwriter?

The highest paid underwriters are typically senior or specialized professionals in fields such as insurance, finance, or mortgage underwriting, often earning six-figure salaries. Factors influencing pay include experience, industry, certifications, and geographic location, with some underwriters earning over $150,000 annually. Senior underwriters with advanced skills and leadership roles tend to have the highest compensation in the field.

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.

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Va Underwriter jobs near you

NON-QM Wholesale Mortgage Underwriter

REAL TPO LLC

Los Feliz, CA • On-site

$90K - $115K/yr

Full-time

Medical, Retirement, PTO

Posted 24 days ago

Job description

Real TPO is a leading National Mortgage Lender based in Los Angeles, CA, offering a dynamic work environment, competitive pay, and ample career growth opportunities. We are seeking passionate, dedicated professionals to join our team and make a meaningful impact in the mortgage industry.

We are currently looking for an experienced Senior Underwriter specializing in Non-QM and Non-Agency loans to support our growing team at Real TPO. This role requires a deep understanding of manual credit analysis and underwriting across a broad spectrum of loan types, including DSCR, Bank Statement, P&L, WVOE, 1099, and Asset Utilization loans. The successful candidate will play a critical role in assessing borrower creditworthiness and ensuring our loan decisions align with investor and company guidelines.

Key Responsibilities:

  • Underwriting and Analysis: Manually underwrite Non-QM and Non-Agency loans, including review of borrower credit files, assets, capacity, and property information to determine eligibility. Analyze complex income tax returns to establish qualifying income.
  • Loan Evaluation: Review consumer home loan applications, validate supporting documentation, and assess the borrower’s ability to repay mortgage debt. Ensure compliance with investor guidelines for Non-QM and agency loans.
  • System Management: Utilize automated underwriting systems (AUS) and Loan Origination Systems (LOS) to validate loan applications. Update systems to ensure accuracy of information, including title, value, income, asset, and fraud reports.
  • Decision Making: Recommend approval or denial of loan applications and provide both verbal and written explanations for decisions. Re-underwrite loans when additional documentation is received.
  • Quality Control: Run and review quality control tools such as FraudGuard and Early Check. Interpret and analyze DU/LP results to ensure loan meets all necessary guidelines.
  • Collaboration: Act as the subject matter expert (SME) to assist sales and business partners in structuring eligible loans in conjunction with third-party originators.
  • Production Goals: Maintain production standards and goals set by management, ensuring timely and efficient loan processing.
  • Post-Closing Support: Assist in resolving any post-closing suspense issues as required.
  • Documentation: Complete necessary underwriting worksheets and checklists, such as Income Worksheets and QM/ATR checklists, ensuring all relevant information is accurately documented.

Qualifications:

  • Minimum 5 years of recent experience underwriting Non-QM loans in the mortgage industry, including manual guidelines.
  • High school diploma or equivalent required; college degree preferred.
  • Experience with automated underwriting systems (AUS) and Loan Origination Systems (LOS).
  • Proficiency in Microsoft Office (Word, Excel, Outlook) and internet browsers.
  • Strong organizational, analytical, and problem-solving skills.
  • Ability to work independently and collaboratively within a team.
  • FHA and VA underwriting experience a plus.
  • Ability to evaluate complex financial documents, such as income tax returns, to determine loan eligibility.
  • Experience with reviewing and interpreting fraud reports and title information.
  • Position is on-site at our Los Angeles, CA location; remote work is not available.

If you're an experienced underwriter with a passion for providing outstanding customer service and a keen eye for detail, we invite you to join our team and make an impact at Real TPO.

Company Description

Fun environment with lots of local restaurants, shops and bars. Located in the heart of Los Feliz, adjacent to Hollywood.