FocusOne Now

Title: Contract Mortgage Underwriter Location: Houston, TX Contracted Experienced Contract Mortgage Underwriter Contract | Remote | Per-File Compensation FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality. This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area. Scope of Work The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines. Key Responsibilities - Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions - Review and analyze loan documentation including: - Credit reports - Income and asset documentation - Tax returns and bank statements - Appraisals and collateral documentation - Ensure loans meet Fannie Mae, investor, and company underwriting guidelines - Identify and assess risk factors and mitigating circumstances - Review conditions and perform Clear-to-Close (CTC) reviews as assigned - Communicate underwriting decisions and conditions clearly to internal production staff - Maintain quality, consistency, and compliance while meeting established turn-time expectations Qualifications - Minimum 5 years of recent conventional mortgage underwriting experience - Strong working knowledge of Fannie Mae guidelines - Experience underwriting wage-earner income (self-employed or complex income not required) - Ability to manage workload independently and meet SLA-based deadlines - Strong written and verbal communication skills - Experience with Encompass preferred - Proficient with Microsoft Office tools Contract Details - Independent contractor (1099) - Per-file compensation, based on performance and turn times - Work volume provided based on business needs - Equipment, licensing, and work environment provided by contractor