Remote Wholesale DE/VA Underwriter- Anywhere in US

National Mortgage Staffing; Irvine (CA); Remote; USD 66,000 - 110,000; Full time

Job summary

National Mortgage Staffing is seeking an experienced Wholesale DE/VA Underwriter to join a fully remote team. The role emphasizes complex and manual VA underwriting, FHA/VA guidelines, and independent decisioning.

You will underwrite Wholesale/TPO FHA and VA loans, issue NOVs, review AUS findings, and manage an underwriting pipeline remotely while coordinating with operations and sales teams.

Qualifications

• Recent Wholesale/TPO underwriting experience.
• VA NOV issued within the past 11 months.
• Strong experience with manual VA underwriting.
• Experience underwriting difficult and complex VA loan scenarios.
• Solid knowledge of current FHA and VA underwriting guidelines.
• Ability to analyze complex credit, income, assets, collateral, and risk independently.
• Ability to manage an underwriting pipeline in a remote environment.

Responsibilities

• Underwrite Wholesale/TPO FHA and VA residential mortgage loans.
• Perform complex and manual VA underwrites.
• Analyze borrower credit, income, assets, liabilities, collateral, and loan risk.
• Review AUS findings and manually underwrite when required.
• Evaluate layered risk and compensating factors.
• Issue underwriting decisions and conditions per guidelines.
• Review conditions and supporting docs through final loan approval.
• Review VA appraisals and issue NOVs.
• Communicate underwriting decisions with Wholesale/TPO operations and sales teams.

Skills

VA underwriting

Manual VA underwriting

FHA underwriting

Underwriting pipeline management

Education

FHA DE & VA LAPP/SAR designations

Job description

Remote Wholesale DE/VA Underwriter- Anywhere in US

• Irvine, CA

Wholesale DE/VA Underwriter

Location: Remote
Work Model: Fully Remote- Anywhere in US
Compensation: Up to $110,000 base + monthly bonus
Benefits: Benefits package offered

Overview

Our client is seeking an experienced Wholesale DE/VA Underwriter to join their team in a fully remote capacity. This position requires strong recent Wholesale/TPO underwriting experience with an emphasis on complex and manual VA underwriting.

The ideal candidate will have active FHA DE and VA LAPP/SAR designations, recent experience issuing VA Notices of Value (NOVs), and the ability to independently underwrite difficult VA files.

Responsibilities

Underwrite Wholesale/TPO FHA and VA residential mortgage loans.

Perform complex and manual VA underwrites.

Analyze borrower credit, income, assets, liabilities, collateral, and overall loan risk.

Review AUS findings and manually underwrite loans when required.

Evaluate layered risk, compensating factors, and complex borrower scenarios.

Issue underwriting decisions and conditions in accordance with applicable guidelines.

Review conditions and supporting documentation through final loan approval.

Review VA appraisals and issue Notices of Value (NOVs).

Communicate underwriting decisions and conditions clearly with Wholesale/TPO operations and sales teams.

Ensure loans meet applicable FHA, VA, investor, and company underwriting guidelines.

Qualifications

Recent Wholesale/TPO mortgage underwriting experience.

Must have issued a VA Notice of Value (NOV) within the past 11 months.

Strong recent experience with manual VA underwriting.

Experience underwriting difficult and complex VA loan scenarios.

Strong knowledge of current FHA and VA underwriting guidelines.

Ability to independently analyze complex credit, income, assets, collateral, layered risk, and compensating factors.

Ability to independently manage an underwriting pipeline in a remote environment.