DE/SAR/LAPP Mortgage Underwriter
About The Position
Here we grow again!! We are seeking a detail-oriented DE/SAR/LAPP Mortgage Underwriter to join our team. The ideal candidate will be responsible for evaluating and determining the creditworthiness of VA, FHA, Conventional, and USDA mortgage loan applications. Join our team of professionals dedicated to providing quality mortgage services. Apply now to be part of a dynamic and rewarding work environment! this role is hybrid and only for either San Diego, CA or Scottsdale, AZ must have current DE/SAR/LAPP no external recruiters may submit candidates
Requirements
- Expertise: Deep understanding of FHA, VA, and USDA loan guidelines (e.g., HUD Handbook).
- Analytical Skills: Strong ability to analyze financial data and assess risk.
- Attention to Detail: Meticulous review of complex documentation.
- Communication: Clear communication with production teams and leadership.
- Certifications: DE / SAR / LAPP
- Experience: 5+ years of experience in mortgage underwriting.
Responsibilities
- Assess Risk: Determine a borrower's ability to repay by analyzing credit history, debt-to-income, and loan-to-value ratios.
- Ensure Compliance: Verify loans meet specific FHA, VA, USDA, and lender guidelines, applying program rules consistently. Maintain compliance with company policies and regulatory requirements.
- Make Decisions: Approve, deny, or counteroffer loans, and sign off on conditions before funding.
- Support Teams: Act as a resource for loan officers and processors, resolving complex issues and ensuring deadlines are met.
- Maintain Knowledge: Stay updated on changing government lending policies and investor overlays.
Benefits
- 401(k)
- Dental insurance
- Health insurance
- Life insurance
- Paid time off
- Vision insurance
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
Number of Employees
11-50 employees
