Remote DE FHA Underwriter

Ruoff Mortgage • Fort Wayne, IN

2d • $70,000 - $80,000 • Remote

About The Position

Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you’re a detail-oriented professional with at least 3 years of mortgage underwriting experience and a current DE certification, we want to hear from you! You’ll be responsible for reviewing both government and conventional mortgage loan applications to ensure compliance, creditworthiness, and investor eligibility. This is a key role in supporting fast, accurate closings.

Requirements

• 3+ years of mortgage underwriting experience – Required
• DE/FHA Certification – Required
• Deep knowledge of FHA/VA/agency underwriting guidelines
• High attention to detail and quality control
• Proficient in Microsoft Office (Word, Excel, Outlook)
• Strong verbal and written communication skills, with the ability to interpret legal documents and explain details to both technical and non-technical staff
• Excellent organizational skills with the ability to manage multiple files and priorities simultaneously while maintaining accuracy
• Proficient in identifying and resolving discrepancies, understanding relevant lending laws and regulations, and performing accurate financial calculations
• Tech-savvy and able to quickly learn and adapt to new systems and underwriting tools
• Critical thinker with sound judgment and decision-making ability under deadlines
• Self-motivated, goal-oriented, and committed to delivering high-quality work
• Detail-oriented with strong recordkeeping and document retrieval skills

Nice To Haves

• SAR designation – Preferred
• Bachelor's degree preferred (HS diploma required)

Responsibilities

• Underwrite FHA, VA, and conventional mortgage loans
• Ensure loans meet company, investor, and agency guidelines
• Analyze full credit packages and verify loan quality
• Recommend decisions on loans exceeding authority levels
• Support processors and correspondents with guideline interpretation
• Respond to post-closing audits and quality control reviews
• Assist with training of new underwriters when needed
• Maintain a professional image and standard consistent with company policies and procedures
• Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation
• Perform other tasks as requested

Benefits

• Health & Wellness: Medical, dental, and vision plans to keep you and your family covered
• Retirement Savings: 401(k) with company match to help you plan for the future
• Time Off: Paid vacation, holidays, and personal time for a healthy work-life balance
• Career Growth: Access to training, education, and advancement opportunities
• Employee Assistance Program (EAP): Free, confidential support for personal or professional challenges

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED