Mortgage Loan Underwriter

TL;DR

Mortgage Loan Underwriter: Conduct thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines ensuring salability of closed loans with an accent on independent decision-making, reviewing resubmitted files, and maintaining service level standards. Focus on evaluating borrower profiles including income documentation, tax returns, credit reports, title reports, and appraisals, handling complex loan scenarios, and collaborating with processing and risk teams.

Location: Remote (USA only, any of the 50 United States with limited exceptions)

Salary: $39.20–$65.90 hourly (varies by state: higher in CA, CT, MD, MA, NJ, NY, WA state, DC)

Company

hirify.global Home Loans, part of hirify.global, the most-visited real estate platform in the U.S., focused on simplifying home financing.

What you will do

• Conduct thorough analysis of mortgage loan files for compliance with agency, company, and investor guidelines.
• Review resubmitted files and documents, make independent loan decisions, and issue compliant approvals.
• Enter data into Encompass LOS to document and validate files.
• Maintain service level agreements, turn-time standards, and respond to audits and post-closing issues.
• Stay updated on agency/investor guidelines, regulatory changes, and market trends.
• Collaborate with processing, funding, quality control, and risk teams on deficiencies and documentation.

Requirements

• 5+ years recent residential mortgage underwriting experience; 6+ years mortgage industry experience
• Ability to underwrite for agency compliance and investor guidelines.
• Experience reviewing borrower profiles: income docs, tax returns, credit, title, appraisals.
• Manage large pipeline under pressure and tight deadlines with strong analytical skills.
• Strong verbal/written communication and relationship-building.
• Must work remotely from any of the 50 US states (limited exceptions)

Nice to have

• Active certifications: FHA DE, VA LAPP/SAR, FHA-CHUMS.
• Experience with Jumbo loans and recent manual underwriting.
• Medium/large nonbank lender experience.
• Encompass LOS experience.

Culture & Benefits

• Fast-paced, high-volume environment emphasizing precision, integrity, collaboration, and continuous learning.
• Trusted decision-makers with deep product knowledge and professional growth opportunities.
• Competitive base pay, incentive compensation, equity awards.
• Recognized as top workplace: Fortune 100 Best Companies to Work For 2025, PEOPLE Companies That Care 2025.
• Inclusive culture committed to innovation, employee empowerment, and equal opportunity.