Remote Mortgage Underwriter (DE and LAPP/SAR Required)

Jobot; Cincinnati (OH); Hybrid; USD 95,000 - 110,000; Full time

Benefits offered by this job

Health benefits

401(k) plan

Employee stock ownership

Job summary

Jobot is seeking a Senior Mortgage Underwriter to help turn homeownership dreams into reality. You’ll underwrite Conventional, FHA, and VA loans, submit files to automated underwriting, and support branch partners with complex scenarios.

The role is primarily remote with occasional onsite meetings. Candidates should have DE/VA endorsements, 5+ years of underwriting experience, strong attention to detail, solid Excel skills, and familiarity with Encompass.

Qualifications

• Minimum 5 years of mortgage underwriting experience.
• Active FHA Direct Endorsement (DE) and VA SAR/LAPP underwriting approval.
• Strong customer service mindset with a collaborative approach.
• Ability to work cross-functionally with mortgage and lending partners.
• Exceptional attention to detail and accuracy.
• Proficient in Microsoft Excel; Encompass experience preferred.

Responsibilities

• Underwrite Conventional, FHA, and VA loans per guidelines.
• Submit files via automated underwriting systems and evaluate results.
• Approve or pend loans and present files to loan committee.
• Act as underwriting resource for branches, handling complex files.
• Maintain 24–48 hour turnaround on submissions.

Skills

Mortgage underwriting

DE endorsements

Customer service

Cross-functional collaboration

Attention to detail

Excel

Encompass

Tools

Encompass

Job description

Job details

Salary: $95,000 - $110,000 per year

As a Senior Mortgage Underwriter, you’ll play a critical role in turning homeownership dreams into reality. Your underwriting decisions will directly influence customers’ ability to secure financing for their new homes, making attention to detail, sound judgment, and collaboration essential to success.

This role is primarily remote, with occasional onsite meetings as needed.

A bit about us

We have been helping families build homes for over 70 years! We are Top 5 in the nation with over 500,000 homes built and sold across the country.

We are looking to add a Remote Fully Designated Mortgage Underwriter to our team.

Why join us?

• Highly competitive compensation designed to reward performance
• Exclusive home purchase incentives plus additional employee perks
• Discounted mortgage and settlement services-real savings where it matters
• Comprehensive health, life, and disability coverage for peace of mind
• 401(k) plan to help you build long-term financial security
• Employee Stock Ownership Program-share in the company’s success
• Generous paid time off to truly unplug and recharge
• Robust onboarding, training, and ongoing support to set you up for success
• Exceptional retention and stability-a company that has never experienced a layoff
• Fast-track career growth-over 80% of leadership roles filled through internal promotion
• Genuine work/life balance in a supportive, people-first culture
• And plenty more benefits that make this a place people stay and grow

What You’ll Do

• Underwrite Conventional, FHA, and VA loans in accordance with investor and agency guidelines
• Submit files through automated underwriting systems and evaluate results
• Approve or pend loans and present qualifying files to loan committee
• Serve as a trusted underwriting resource for branch partners, assisting with scenarios, questions, and complex files
• Maintain a consistent 24-48 hour turnaround on new submissions and resubmissions
• Ensure accurate loan documentation and proper file maintenance
• Utilize office systems and tools to support efficient underwriting operations

What We’re Looking For

• Active FHA Direct Endorsement (DE) and VA SAR/LAPP underwriting approval
• Minimum 5 years of mortgage underwriting experience
• Strong customer service mindset with a collaborative, solution-oriented approach
• Proven ability to work cross-functionally with mortgage and lending partners
• Exceptional attention to detail and accuracy
• Strong organizational, planning, and time-management skills
• Comfort working in Microsoft Excel for data organization and analysis
• Experience with Encompass preferred (not required)

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.