Underwriter - Distributed Retail (Remote)

Better; United States; On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Benefits eligibility effective DAY ONE

$0 medical plan premium

Flexible PTO

Immediate mental health support

Dependent and commuter care benefits

Discount programs and pet insurance

Job summary

A leading finance technology company in the United States is seeking an experienced mortgage underwriter to manage loan applications for efficiency and compliance. The candidate must have 2–5 years of experience in mortgage underwriting and strong analytical skills. This position offers a competitive hourly wage along with immediate benefits such as a $0 medical plan premium and flexible PTO. Join a dynamic team committed to redefining the homeownership experience and making finance accessible to everyone.

Qualifications

• 2–5 years of mortgage underwriting experience (conventional, FHA, VA, or jumbo).
• Strong analytical and decision-making skills with attention to detail.
• Ability to work independently in a fast-paced environment with strict deadlines.

Responsibilities

• Review and analyze mortgage loan applications for completeness and compliance.
• Evaluate borrower income, assets, credit history, and collateral.
• Collaborate with loan officers to obtain documentation and resolve issues.

Skills

Mortgage underwriting experience

Analytical and decision-making skills

Written and verbal communication

Ability to work independently

Education

2–5 years of mortgage underwriting experience

DE/SAR/LAPP certification preferred

Job description

Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible.

We’ve funded over $100 billion in loans for our customers, more than any other fintech. Yahoo! Finance — Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approval. Yahoo! Finance — Best Mortgage Lenders of 2025: Best online mortgage lender. Fintech Breakthrough Award: Best Lending Innovation Award. Money Magazine — 8 Best Mortgage Lenders of 2025: Best for fast closing. Forbes’ Best Online Mortgage Lender for 2023. We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world.

We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.

About NEO Home Loans

NEO Home Loans, a community-based retail division of Better, is dedicated to redefining the homeownership experience with trust, innovation, and exceptional service. Our mission is to unlock people’s full financial potential by providing clarity, transparency, and consistency throughout the loan process. We make lending approachable, guiding individuals toward decisions that serve their best interests. Powered by a team of passionate and hardworking professionals, we foster a culture of collaboration, innovation, and personal growth. Join us and be part of a dynamic company committed to excellence.

Responsibilities

• Review and analyze mortgage loan applications for completeness, accuracy, and compliance with underwriting standards (e.g., Fannie Mae, Freddie Mac, FHA, VA, and company-specific guidelines).
• Evaluate borrower income, assets, credit history, and collateral to determine loan eligibility.
• Review supporting documentation including tax returns, W-2s, pay stubs, bank statements, and credit reports.
• Ensure all loans meet internal and regulatory requirements (e.g., RESPA, TILA, HMDA).
• Issue conditional approvals, suspensions, or denials with clear, detailed explanations.
• Collaborate with loan officers, processors, and closers to obtain required documentation and resolve issues.
• Maintain knowledge of current underwriting guidelines, mortgage products, and investor requirements.
• Manage a pipeline of loans efficiently to meet service level agreements and closing deadlines.
• Participate in ongoing training and audits to ensure compliance and accuracy.

Non-Essential Responsibilities

• Adopts NEO’s values in work behavior, decision making, contributions and interpersonal interactions.
• Promotes interdepartmental communication and culture.
• Lead, develop and motivate the team across all locations and operational functions.
• Continued focus to ensure all families (internal and external) are receiving the best possible service.

Qualifications and Skills

• 2–5 years of mortgage underwriting experience (conventional, FHA, VA, or jumbo).
• DE/SAR/LAPP certification preferred for government loan programs.
• Strong analytical and decision-making skills with attention to detail.
• Excellent written and verbal communication abilities.
• Ability to work independently in a fast-paced environment with strict deadlines.

Company Benefits

Our total rewards package consists of an hourly wage and a curated benefits plan. We are thrilled to offer all our full-time employees the following benefit offerings:

• Benefits eligibility effective DAY ONE
• *$0 medical plan premium offering coverage nationwide paired with our Health Savings Account that includes an employer contribution
• Flexible PTO
• Immediate virtual mental health support by licensed therapists for our employees and their eligible dependents age 6 and up. First few visits at no cost to you!
• Personalized care for every fertility and family care journey for our employees and their partner
• Dependent care benefits and commuter benefits, both with a company match
• Discount programs and pet insurance

Disclaimer

Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.