Underwriter

Hometap; United States; Hybrid; USD 68,000 - 83,000; Full time

Benefits offered by this job

Equity opportunity

Medical, dental, vision coverage

Work-from-home stipend

Parental leave

Paid time off

Job summary

Hometap is seeking an Underwriter to assess risk in its home equity investment process. You’ll analyze a broad set of home and homeowner data to guide investment eligibility and recommendations in line with underwriting guidelines.

Collaborate with Sales and Processing, review appraisals, and determine eligibility amounts. A strong eye for detail and the ability to work under deadlines are essential.

Qualifications

• Sharp attention to detail in a fast-paced environment.
• Strong judgment with ability to follow a rubric and escalate as needed.
• Ability to work independently and as part of a team.
• Strong written and verbal communication with a client-oriented approach.
• Interest in real estate and fintech and excitement about joining a growing tech company.

Responsibilities

• Review homeowner applications with Sales and Processing teams.
• Evaluate applicant and property information against underwriting criteria.
• Review appraisal reports for accuracy and guideline compliance.
• Flag incomplete or high-risk applications.
• Determine eligibility amounts based on analysis.
• Collaborate with cross-functional team to complete each review.

Skills

Attention to detail

Judgment and risk assessment

Independent worker

Communication skills

Real estate/fintech interest

Bachelor's degree

Education

Bachelor's degree preferred

Tools

None

Job description

Here at Hometap, we’re collaborative, passionate, and always ready to roll up our sleeves to create solutions that help people get more out of homeownership — and out of life. Our first product, a home equity investment, gives homeowners the opportunity to quickly access the equity they’ve built in their home to pay for what’s most important to them, from handling debt to finally making much-needed renovations, without taking on debt.

We work hard, and have some fun along the way, too. You don’t have to take our word for it: The Boston Globe and Forbes have recognized us as a great place to work, and we’ve been honored for our commitment to innovation in the fintech space by Inc. , HousingWire , and more!

In case you need any more convincing, we also provide competitive compensation, healthcare coverage, generous PTO, a meaningful equity package, and a strong culture with plenty of opportunities for team-building and camaraderie.

Interested in joining us on our mission to make homeownership less stressful and more accessible? We’d love to talk.

Who you are:

As an Underwriter, you'll play a critical role in Hometap's home equity investment process, making recommendations on both the homes and the homeowners we work with. You'll analyze a broad set of home and homeowner information to assess the risk profile of each application and make investment eligibility recommendations against the standards in our underwriting guidelines. This is a strong fit if you bring underwriting experience, a passion for real estate, and exceptional organizational skills.

What you'll do:

• Work closely with our Sales and Processing teams to review homeowner applications quickly and accurately
• Evaluate applicant and property information against our underwriting criteria, confirm the application is complete, and make informed investment recommendations
• Review and analyze appraisal reports for accuracy and compliance with guidelines, evaluating comparables, market trends, and property conditions to confirm value is supported
• Flag applications that raise concerns around completeness or risk
• Determine eligibility amounts based on your analysis of applicant and property information
• Collaborate with a cross‑functional team of Sales and Operations associates to complete each application review

What you bring:

• Sharp attention to detail in a fast‑paced environment, including strong proofreading and fact‑checking skills
• Strong judgment, with comfort making recommendations against a rules rubric and escalating issues and questions as needed
• Ability to work independently and as part of a team
• Comfort handling multiple responsibilities and staying proactive under deadlines
• Strong written and verbal communication skills, with a client‑oriented approach
• An interest in real estate and fintech, and excitement about joining a growing tech company
• Bachelor's degree preferred, ideally in business, finance, or a related field

The base salary for this role is $75,000 with additional earning potential through a performance‑based monthly incentive. You’ll also receive meaningful equity, giving you a real stake in the company’s growth and success. We offer generous medical, dental, and vision coverage, a work‑from‑home‑stipend, parental leave, and plenty of paid time off to recharge.

Hometap is on a mission to make homeownership less stressful and more accessible. Our home equity investment product provides homeowners with a fast, simple, and straightforward way to access the equity in their home without taking out a loan or having to sell. By investing alongside homeowners, Hometap offers debt‑free cash in exchange for a share of their home’s future value — all without any monthly payments over the life of the investment. Through a combination of financial innovation and best‑in‑class customer service, Hometap enables people to get more from homeownership so they can get more from life.

All roles here are filled based solely on candidates' qualifications and our business needs.

Hometap is an equal opportunity employer. We provide employment opportunities regardless of race, age, color, religion, sex, sexual orientation, gender, gender identity, gender expression, genetic information, national origin, pregnancy, marital, veteran, or disability status. If there is an accommodation that would support your ability to apply and interview with Hometap, please let us know by emailing [e-mail].