FHA/203-K FHA Underwriter

Location: Remote; U.S. mortgage lending context

Company

hirify.global is a U.S. wholesale mortgage lender offering conventional, FHA, VA, non-QM, renovation, and USDA loan products.

What you will do

• Independently underwrite Standard and Limited FHA 203(k) renovation loans.
• Analyze credit, income, assets, collateral, supporting documentation, and borrower eligibility through automated and manual underwriting.
• Evaluate renovation plans, contractor documentation, bids, cost estimates, work write-ups, permits, inspections, and contingency reserves.
• Review appraisals and after-improved values to validate loan amounts and renovation costs.
• Approve or deny loans, document underwriting rationale, clear conditions, and communicate decisions to loan officers, brokers, and internal partners.
• Meet service-level expectations for turnaround times, file quality, and accurate loan processing.

Requirements

• At least 5 years of mortgage underwriting or mortgage lending experience.
• At least 2 years of FHA 203(k) underwriting experience required.
• Active DE/CHUMS certification required.
• At least 2 years of manual underwriting and recent wholesale underwriting experience.
• Knowledge of FHA 203(k) Standard and Limited guidelines, as well as FHA, conventional, VA, USDA, and non-QM products.
• Working knowledge of RESPA, TILA, Dodd-Frank, investor guidelines, automated underwriting systems, and Microsoft Office; Encompass experience is preferred.

Nice to have

• College degree.
• Experience with Encompass.

Culture & Benefits

• Remote full-time work within a collaborative mortgage operations environment.
• Operational support, technology, and tools designed to improve efficiency.
• Culture focused on radical candor, innovation, and informed financial decisions.