FHA/VA Underwriter

We are seeking a qualified FHA/VA Underwriter with current DE and LAPP/SAR certifications. The ideal candidate will have a solid understanding of FHA and VA underwriting guidelines and be able to make sound credit decisions in compliance with investor and regulatory requirements.

Responsibilities:

• Review and underwrite FHA and VA loan files in accordance with HUD and VA guidelines
• Evaluate credit, income, asset, and collateral documentation to determine creditworthiness and risk
• Ensure loans meet investor, agency, and company policy requirements
• Conduct thorough risk assessments to ensure compliance with lending guidelines
• Identify potential fraud risks and implement preventive measures
• Communicate underwriting decisions and conditions clearly to internal teams and clients
• Collaborate with loan officers to facilitate the underwriting process
• Prepare detailed reports supporting underwriting decisions
• Stay current on industry regulations, investor updates, and underwriting best practices
• Assist in the development and refinement of underwriting policies and procedures

Requirements:

• FHA Direct Endorsement (DE) certification (required)
• VA LAPP/SAR certification (required)
• Experience underwriting FHA and VA loans
• Conventional loan underwriting experience (preferred)
• Familiarity with Non-QM products (a plus)
• Strong attention to detail and understanding of agency guidelines
• Ability to manage workload efficiently and meet established turn times