FHA Streamline / VA IRRRL Underwriter

Village Capital & Investment•Draper, UT

8d•Remote

About The Position

Village Capital is seeking experienced FHA Streamline and VA IRRRL Underwriters to join our growing team. In this role, you will be responsible for underwriting FHA Streamline and VA IRRRL refinance transactions in compliance with agency guidelines, company policies, and regulatory requirements. The ideal candidate is detail-oriented, highly organized, and experienced in high-volume refinance underwriting within a fast-paced environment.

Requirements

Minimum 5 years of mortgage underwriting experience
Recent experience underwriting FHA Streamline and/or VA IRRRL loans
Proficiency with Encompass LOS
Experience with automated underwriting systems (DU, LP)
In-depth knowledge of FHA and VA guidelines
Strong decision-making skills with a high level of accuracy
Ability to manage a high volume of refinance files in a fast-paced environment
DE (Direct Endorsement) certification required for FHA underwriting
Strong analytical skills and attention to detail
Excellent problem-solving abilities
Strong written and verbal communication skills
Ability to work independently and collaboratively in a remote environment
Proficiency in Microsoft Windows and loan origination systems (Encompass preferred)

Nice To Haves

SAR/LAPP approval for VA loans preferred

Responsibilities

Underwrite FHA Streamline and VA IRRRL refinance loan files in accordance with agency and investor guidelines
Review credit reports, income documentation (when applicable), asset documentation, title work, and other required supporting documentation
Ensure compliance with FHA and VA program requirements
Utilize automated underwriting systems (DU/LP) and perform manual underwriting when required
Work closely with processors, originators, and closing teams to obtain required documentation and clear loan conditions
Maintain productivity, quality control, and turn-time standards established by management
Provide clear, concise underwriting decisions and condition lists
Participate in internal and external audits and respond to documentation requests as needed
Stay current with FHA and VA guideline updates, compliance regulations, and industry changes