Government Mortgage Underwriter (FHA/VA) East Coast
About The Position
CMG Financial is seeking an experienced Government Underwriter with an active FHA Direct Endorsement (DE) designation and, preferably, an active VA (SAR/LAPP) designation. This role is responsible for underwriting residential mortgage loans in accordance with investor guidelines, agency requirements, and CMG Financial credit policy. The ideal candidate will demonstrate strong credit judgment, production efficiency, and the ability to communicate clearly with internal partners while protecting the financial and operational interests of the company. Supporting one of our East Coast Regions - Highly prefer experience underwriting CT/NY/NJ/PA.
Requirements
- Minimum 5 years of recent government underwriting experience.
- Active FHA DE designation (CHUMS required).
- Proficient in completing manual underwriting of government loans.
- Recent experience underwriting Conventional loans.
- Demonstrated knowledge of DU and LP submission, interpretation, and documentation.
- Strong understanding of agency guidelines and investor overlays.
- Ability to manage high volume in a fast-paced, production-driven environment.
- Proficiency in Microsoft Word, Excel, and standard email systems.
- Excellent communication, organizational, and interpersonal skills.
- Proven ability to exercise sound credit judgment with integrity and confidentiality.
- Demonstrated leadership capability and collaborative mindset.
Nice To Haves
- Active VA (SAR/LAPP) designation.
- Experience underwriting Bond programs and Renovation loans.
- Experience underwriting USDA, Jumbo and Non-QM loans.
- Experience underwriting CT/NY/NJ/PA.
Responsibilities
- Underwrite FHA and/or VA loans (SAR/LAPP preferred) in accordance with agency guidelines.
- Underwrite additional loan products, including: Conventional (Fannie Mae & Freddie Mac), Bond programs and Renovation (preferred), USDA, Jumbo and Non-QM (preferred).
- Maintain production standards of 45+ initial underwrites per month, while meeting quality expectations.
- Review and re-review files promptly as conditions are cleared or new documentation is received.
- Communicate loan decisions, conditions, and status updates clearly and professionally with Loan Officers and Processors using company technology platforms.
- Accurately document underwriting decisions and maintain detailed conversation logs in Byte.
- Interpret and analyze DU and LP findings and document conclusions appropriately.
- Stay current on product guidelines, agency updates, and company credit policies.
- Provide guidance and informal leadership within the underwriting team, supporting credit policy execution.
- Assist with training and knowledge-sharing across mortgage operations as needed.
- Complete ad hoc reporting and additional responsibilities as assigned.
Benefits
- Base ranges from $90,000 - $105,000 plus bonus. and OT when needed.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
