SAR)

The Mortgage Talent Network•100% Remote Work, MO

9d•Remote

About The Position

An independent mortgage lender is seeking a seasoned DE/LAPP/SAR Underwriter for a fully remote role. This position offers real decisioning authority and focuses on strategic file structuring, eliminating tedious manual data entry. The role involves owning a diverse pipeline of FHA, VA, and conventional conforming loans, with opportunities for USDA, and bond/grant program files. The underwriter will serve as a strategic resource for loan officers and processors on complex deals, maintaining high-quality standards and consistent turn times. The company has invested in a fully remote infrastructure and offers a comprehensive benefits package, providing a balance of stability, growth, and decisioning latitude.

Requirements

Active FHA DE certification with a valid CHUMS ID, VA SAR or LAPP authority— this is a firm requirement, not a preferred credential.
3–5 years of continuous, frontline retail residential mortgage underwriting experience.
Demonstrated mastery of both DU and LPA (Automated Underwriting Systems) and hands-on proficiency with Encompass LOS.
Deep working knowledge of FHA, VA and conventional conforming guidelines.
Must be authorized to work in the United States.

Nice To Haves

Familiarity with USDA, or bond/grant programs is a meaningful plus.
A self-directed, high-accountability work style — energized by autonomy and holding oneself to a high standard.
Strong interpersonal and written communication skills; the ability to explain a complex credit decision clearly to an LO is just as important as getting the decision right.

Responsibilities

Own a diverse pipeline of FHA, VA and conventional conforming loans from submission to clear-to-close, with opportunities to underwrite USDA, and bond/grant program files as volume and licensing allow.
Apply sound credit judgment on complex files — income, asset, and liability layering — while leveraging automated workflows that eliminate the low-value manual work.
Serve as the strategic underwriting resource for loan officers and processors on difficult-to-structure deals, helping the team find the path to approval within guideline parameters.
Maintain zero-defect quality standards across your pipeline while delivering decisive, consistent turn times.
Stay current on agency guideline changes (FHA, Fannie Mae, Freddie Mac) and proactively share relevant updates with production partners.
Work fluently within Encompass LOS and utilize DU and LPA outputs to support accurate, well-documented credit decisions.
Collaborate closely with processors, LOs, and closing teams in a high-trust, fully virtual environment.