FHA Streamline / VA IRRRL Underwriter

Village Capital & Investment LLC; Draper (UT); Remote; USD 70,000 - 90,000; Full time

Benefits offered by this job

401(k) with company match

Health insurance

Dental insurance

Vision insurance

Health Savings Account (HSA)

Life insurance

Paid Time Off (PTO)

Job summary

A nationwide mortgage lender is seeking experienced FHA Streamline and VA IRRRL Underwriters to join their team. This remote role involves underwriting FHA and VA refinance transactions, requiring a minimum of 5 years of underwriting experience and proficiency with Encompass. Ideal candidates are detail-oriented, able to manage high volumes of work, and possess strong analytical and communication skills. The company offers a supportive environment with benefits including health insurance and a 401(k) plan.

Qualifications

• Minimum 5 years of mortgage underwriting experience.
• Recent experience underwriting FHA Streamline and/or VA IRRRL loans.
• DE certification required for FHA underwriting.

Responsibilities

• Underwrite FHA Streamline and VA IRRRL refinance loan files.
• Ensure compliance with FHA and VA program requirements.
• Provide clear underwriting decisions and condition lists.

Skills

Analytical skills

Problem-solving abilities

Communication skills

Attention to detail

Ability to work independently

Tools

Encompass

Job description

Job Title: FHA Streamline / VA IRRRL Underwriter

Location: Remote

Job Type: Full-Time

Company: Village Capital & Investment LLC

Introduction

Village Capital & Investment LLC is a nationwide mortgage lender and servicer headquartered in Henderson, NV. We specialize in FHA, VA, and USDA loan programs and are committed to delivering a fast, efficient, and high-quality mortgage experience to our customers and business partners. We work closely with loan originators, brokers, and correspondents to provide competitive rates and exceptional service.

Key Responsibilities

• Underwrite FHA Streamline and VA IRRRL refinance loan files in accordance with agency and investor guidelines
• Review credit reports, income documentation (when applicable), asset documentation, title work, and other required supporting documentation
• Ensure compliance with FHA and VA program requirements
• Utilize automated underwriting systems (DU/LP) and perform manual underwriting when required
• Work closely with processors, originators, and closing teams to obtain required documentation and clear loan conditions
• Maintain productivity, quality control, and turn‑time standards established by management
• Provide clear, concise underwriting decisions and condition lists
• Participate in internal and external audits and respond to documentation requests as needed
• Stay current with FHA and VA guideline updates, compliance regulations, and industry changes

Basic Qualifications

• Strong analytical skills and attention to detail
• Excellent problem‑solving abilities
• Strong written and verbal communication skills
• Ability to work independently and collaboratively in a remote environment
• Proficiency in Microsoft Windows and loan origination systems (Encompass preferred)

Required Qualifications

• Minimum 5 years of mortgage underwriting experience
• Recent experience underwriting FHA Streamline and/or VA IRRRL loans
• Proficiency with Encompass LOS
• Experience with automated underwriting systems (DU, LP)
• In‑depth knowledge of FHA and VA guidelines
• Strong decision‑making skills with a high level of accuracy
• Ability to manage a high volume of refinance files in a fast‑paced environment
• DE (Direct Endorsement) certification required for FHA underwriting
• SAR/LAPP approval for VA loans preferred

Benefits

• 401(k) with company match
• Health insurance
• Dental insurance
• Vision insurance
• Health Savings Account (HSA)
• Life insurance
• Paid Time Off (PTO)

In Summary

If you are looking for an opportunity to contribute to a growing organization that values your skills and expertise, we want to hear from you. At Village Capital & Investment LLC, we believe in fostering a supportive and inclusive work environment that encourages professional growth. Apply today to take the next step in your career with us!

Position Overview

Village Capital is seeking experienced FHA Streamline and VA IRRRL Underwriters to join our growing team. In this role, you will be responsible for underwriting FHA Streamline and VA IRRRL refinance transactions in compliance with agency guidelines, company policies, and regulatory requirements. The ideal candidate is detail‑oriented, highly organized, and experienced in high‑volume refinance underwriting within a fast‑paced environment.