Mortgage Underwriter

Homeward; A distancia; MXN 1,438,000 - 1,529,000; Jornada completa

Descripción de la vacante

A real estate startup is seeking a Fulfillment Underwriter to join their remote team. This role involves validating loan calculations, evaluating credit packages, and collaborating with team members to ensure loan approvals meet guidelines. Candidates should have 5+ years of underwriting experience, particularly with FNMA and FHLMC, alongside strong communication skills. The position offers a competitive compensation between $80,000 and $85,000, alongside numerous benefits including stock options, a 401(k) match, and generous leave policies.

Servicios

401(k) employer contribution match

Health benefits including dental and vision

Twenty days of vacation

Exciting stock option grant

Generous paid parental leave

Formación

• 5+ years of experience underwriting FNMA, FHLMC.
• Advanced knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LPA).
• Experience with refinance and purchase mortgage underwriting.

Responsabilidades

• Validate accuracy of calculations to ensure data integrity.
• Evaluate credit package to ensure an investment-quality loan.
• Review and approve third-party documentation.

Conocimientos

Underwriting experience

Strong communication skills

Analytical skills

Loan Origination Software

Educación

5+ years of experience underwriting FNMA, FHLMC

Herramientas

Encompass

LendingPad

Desktop Underwriter

Loan Product Advisor

Descripción del empleo

Homeward takes the “what ifs” out of homebuying by creating financial products that give buyers and sellers certainty and convenience.We’re a fast-paced, remote-first real estate startup that partners with real estate agents to offer innovative products and services, helping clients buy with cash, sell with certainty, and time their move, regardless of the market.

Founder and CEO Tim Heyl, owner of one of the fastest-growing agent teams in the country, started Homeward in 2018 to fix the antiquated and broken real estate process. Today, we offer bundled cash offers, mortgage, and title services in 13 states, enabling buyers and sellers to move with certainty and convenience.

The Homeward Mortgage Team is central to Homeward’s operation, responsible for conducting the financial review and approval of every customer that works with Homeward and processing and closing every loan secured with Homeward Mortgage. We’re focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are looking for residential Mortgage subject matter experts and smart, flexible people who can easily adapt to a new way of doing things.

We’re looking for a Fulfillment Underwriter to join our growing Underwriting team. Our Fulfillment Underwriting team is responsible for ensuring all Homeward Mortgage originated loans have strong approval, meeting Homeward’s and our investor guidelines, ensuring the certainty of a close. This team collaborates directly with our Mortgage Sales and Operations team to ensure we communicate conditions clearly and expertly, and show great intent to make the deal work every time we can, through creative solutioning and structuring. We are looking for team members who are collaborative, motivated, and creative. You must have front-line Underwriting experience as well as experience working with multiple Investors.

Responsibilities Will Include:

• Validate the accuracy of all calculations and update data in LOS to ensure data integrity in the AUS response.
• Evaluate the credit package to ensure an investment-quality loan product. Analyze borrower’s credit capacity through in-depth review of income and asset documentation, including self-employed borrower income calculations. Calculate housing and debt ratios, measuring applicant liquidity, asset concentrations, and leverage.
• Review and approve third party purchase contract/addendums, title report, escrow instructions, environmental report, and other legal documentation.
• Work with team members (Processors, Closers, and Loan Officers) to identify potential solutions/alternatives for difficult/denied loan files.
• Ensure timely escalation to the Underwriting Manager/Director for review of any/all loan level challenges.
• Meet turn time expectations and SLAs for review
• Maintain current knowledge of secondary market guidelines
• Manage a daily pipeline and ensure service expectations and company-mandated turn times are met

About You:

• 5+ years of experience underwriting FNMA, FHLMC
• FHA and VA designations are also a plus
• Experience underwriting to multiple Investor guidelines and overlays
• Advanced knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LPA)
• Refinance and purchase mortgage underwriting
• Loan Origination Software experience required, Encompass or LendingPad preferred
• Strong written and verbal communication skills
• Ability to thrive in a fast-paced, high-production environment
• Compensation range: $80,000 - $85,000
• Remote-first environment (our Headquarters are in Austin, TX, come visit!)
• Exciting stock option grant for every full-time employee
• 401(k) employer contribution match
• Health and wellness benefits, including medical, dental, vision, and life insurance
• Twenty days of vacation, five sick days, twelve company holidays, and two floating holidays each year
• Generous paid parental leave of up to 14 weeks

See more about how Homeward takes care of our team by providing a generous package of benefits here .

Value-Driven Employee Experience

THE GOLDEN RULE. It’s simple: Treat others the way we want to be treated. Whether we’re dealing with colleagues or customers, we don’t prioritize money or growth over people, and we practice empathy at every opportunity.

CALM FOCUS. We work in tech and build solutions for real estate. Both are fast-paced and stressful industries. But by focusing on the larger objective rather than rushing from one task to the next, we can create solutions our customers love.

ONE TEAM, ONE DREAM. Big problems require big solutions. We look at our customers’ experiences holistically and recognize that solving them requires collaboration across teams and our three affiliate companies — Homeward, Homeward Mortgage and Homeward Title.

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