Remote Mortgage Underwriter Jobs in the US

Find remote mortgage underwriter opportunities with fresh hourly updates. Open to US candidates.

Updated hourlyLast updated: 5:52 PM EDT

Total jobs today

Added in last hour

Companies hiring now

9 jobs found

Strict location onlyShow closed jobs

Post Date

Minimum Salary

Experience

9 Jobs

9 Companies

Senior Mortgage Underwriter

First Citizens Bank

First Citizens Bank offers a full line of financial services and focuses on individuals, as well as small to medium-sized businesses. As an employer, the compan

Mortgage Underwriter3 days ago

Full Time Remote Senior

Company Site

Role Description This is a remote role that may only be hired in South Carolina. This position assesses the Bank's financial risk on potential borrowers applying for mortgage loans at a high level of complexity and ability. Analyzes borrower applications to determine appropriate loan structuring, potential risk, and loan eligibility, and makes the decision to accept or reject based on review. Ensures the salability of the loan to the selected investor under the specified loan program. Provides support for loan closing activities and clients while protecting the Bank from fraud, misrepresentation, and default. Responsible to meet production and quality expectations. Responsibilities - Loan Underwriting: Documents and underwrites mortgage loans products. Gathers and reviews information pertaining to the applicant's income, assets, debts, and credit history to determine ability to repay the mortgage loan. Applies product and investor specific underwriting and documentation guidelines. Utilizes underwriting results to either approve or decline the loan. - Application Review: Reviews new applications for completeness and inclusion of necessary documentation. Determines eligibility of the loan for the selected product and investor, or more appropriate alternatives. Ensures accuracy and acceptance of income, asset, debt calculations and credit history. Seeks resolution for any identified discrepancies. - Operations Support: Manages a pipeline of active mortgage loans. Prioritizes loan actions based on projected closing dates and ensures loans close in a timely manner. Works with loan processor to meet expected closing dates for the customer. - Client Support: Provides client support throughout the underwriting process. Utilizes available resources to answer questions and develop alternatives. Remains abreast of investor loan programs, guidelines, policies and procedures to better assist clients. May provide guidance for associates on escalated or complex client inquiries. Qualifications - Bachelor's Degree and 3 years of experience in Mortgage loan underwriting OR High School Diploma or GED and 7 years of experience in Mortgage loan underwriting Benefits - Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits .

View details: Senior Mortgage Underwriter

United States

Apply

Temporary Mortgage Underwriter – Correspondent Loans

Quorum Federal Credit Union

Banking That’s Good. For You.™

Mortgage Underwriter3 days ago

Full Time Remote SeniorTeam 51-200Since 1934H1B No Sponsor

Company Site LinkedIn

• Review and underwrite closed loan packages submitted by approved correspondent lenders for compliance with FNMA and internal guidelines. • Validate income, assets, credit and collateral documentation to determine loan eligibility. • Evaluate full closed loan packages for completeness and consistency, including final 1003, title policy, CD, and collateral documents. • Review title and appraisal reports for acceptability and compliance with agency standards. • Identify documentation discrepancies and request appropriate cures from sellers. • Sign off loan conditions and prepare loan for purchase or suspense notification. • Communicate clearly, timely and professionally with correspondent sellers regarding loan decisions, suspense conditions, and documentation needs. • Collaborate with secondary market, closing, and post-purchase teams to ensure smooth loan flow and timely purchase. • Provide guidance to correspondents on investor guidelines and underwriting best practices when appropriate. • Maintain up-to-date knowledge of agency and investor guidelines, credit policy updates, and regulatory changes. • Assist in identifying patterns in loan defects or seller errors and recommend training or process improvements. • Uphold compliance with fair lending, privacy, and anti-fraud regulations. • Supports and fulfills Management requests related to audit preparation, sale preparation, HMDA reporting and more. • Actively works with management and staff seeking process improvements to automate and/or streamline operations and maintain adequate controls. • Promotes and maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management, partners and vendors. • Keeps abreast of industry developments including but not limited to changes in regulations and technology. • Ensures adherence to company policies and procedures and Banking/Credit Union Regulations. • Performs additional duties as required.

View details: Temporary Mortgage Underwriter – Correspondent Loans

Montana + 2 more

$36 - $40 / hour

Apply

Senior Mortgage Loan Underwriter

River Run

We Keep You Up And Running Securely

Mortgage Underwriter5 days ago

Full Time Remote SeniorTeam 51-200H1B No Sponsor

Company Site LinkedIn

• Evaluates and makes decisions on complex residential and consumer loan applications, applying expert knowledge of portfolio and investor guidelines, internal policies, and regulatory requirements. • Exercises advanced credit judgment to balance risk management with sound lending decisions while providing support to internal team members throughout the loan process. • Serve as a resource for junior underwriters and lending staff by providing mentorship, training, and second-level reviews as needed. • Review and underwrite mortgage and consumer loan applications, including complex transactions, within delegated authority and analyze credit, income, assets, appraisals, title work, and supporting documentation to determine loan eligibility. • Ensure compliance with internal lending policies, investor and Government-Sponsored Enterprise (GSE) guidelines, applicable federal and state regulations, bank policies, and Bank Secrecy Act (BSA) requirements; including verifying transactions and account balances, and all related consumer regulatory requirements. • Issue loan approvals, suspensions, or denials with clear supporting conditions or reasons. • Maintain current knowledge of underwriting guidelines, regulatory requirements, and industry trends to support sound lending decisions and risk management. • Collaborate with loan officers, processors, and other team members to resolve underwriting issues and ensure timely loan decisions and maintain accurate, complete, and audit-ready loan documentation. • Respond to internal and external audits and quality control reviews by providing required documentation and information. • Support continuous improvement of underwriting processes by identifying opportunities to enhance efficiency and effectiveness. • Promote a strong risk and compliance culture by following policies, identifying potential issues, and supporting consistent risk mitigation practices. • Stay current on Bank products, services, policies, procedures, and regulatory requirements through ongoing training and application in daily work.

View details: Senior Mortgage Loan Underwriter

New Hampshire + 1 more

$30 - $43 / hour

Apply

Mortgage Underwriter

Lendsure Mortgage Corp

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Mortgage Underwriter6 days ago

Full Time Remote Mid LevelTeam 51-200

Role Description The Mortgage Underwriter for 5-10 unit properties is responsible for evaluating mortgage loan applications for multi-unit residential properties (typically considered commercial properties) ranging from 5 to 10 units. They assess risk, ensure compliance with lending guidelines and regulations, and make informed decisions on loan approvals or denials. This role requires a strong understanding of both residential and commercial real estate underwriting principles, with a specific focus on the unique characteristics of 5-10 unit properties. - Review and analyze mortgage loan applications and supporting documentation (e.g., credit reports, financial statements, income verification, property appraisals) for 5-10 unit properties. - Assess borrower creditworthiness, financial capacity, and ability to repay the loan, considering the specific financial dynamics of multi-unit properties. - Evaluate the property's financial performance, including projected rental income, operating expenses, vacancy rates, and Debt Service Coverage Ratio (DSCR). - Analyze property appraisals to ensure the collateral value aligns with loan amount and property standards. - Ensure compliance with all applicable lending guidelines (e.g., internal policies, investor requirements, and federal and state regulations like TRID, RESPA). - Make informed loan decisions (approve, suspend, or deny) based on a comprehensive risk assessment and communicate these decisions to relevant stakeholders (e.g., Account Executives and processors). - Clearly communicate the reasons for loan decisions and any required conditions. - Work collaboratively with loan processors and Account Executives to obtain additional information or clarification and ensure accurate documentation throughout the underwriting process. - Stay updated on industry trends, lending guidelines, regulations, and market conditions relevant to 5-10 unit properties and commercial real estate. - Maintain accurate and detailed loan documentation in the underwriting system. - Identify potential fraud or misrepresentation and escalate concerns when necessary. Qualifications - A bachelor's degree in a related field is often preferred. - Non-QM experience as a mortgage underwriter is preferred, with a focus on multifamily or commercial real estate loans, specifically including 5-10 unit properties. - Strong analytical skills for assessing financial data and risk. - In-depth knowledge of lending guidelines and regulations. - Familiarity with relevant financial metrics like NOI and DSCR. - Excellent communication skills and attention to detail. - Proficiency in underwriting software. - Strong decision-making abilities and the capacity to meet deadlines in a demanding environment. - Knowledge of local real estate markets and property management is also beneficial. Requirements - This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. Benefits - Annual Salary Range $68,000 - $90,000 with quarterly bonus plan. - Competitive salary and benefits. - Opportunities to grow within the company.

View details: Mortgage Underwriter

California

$68K - $90K / year

Apply

Senior Mortgage Loan Underwriter

First Merchants Corporation

Helping you prosper. Rated One of the Best Places to Work, Top 5 Best Banks in America(Forbes), Best Big Bank(Newsweek).

Mortgage Underwriter11 days ago

Full Time Remote SeniorTeam 1,001-5,000Since 1893H1B No Sponsor

Company Site LinkedIn

• Analyze, evaluate and approve or decline loan files for credit worthiness and compliance with all applicable guidelines and policies. • Review and validate the calculations submitted by the process. • Validate income used is calculated correctly. • Validate income used is acceptable. • Validate asset value calculations. • Collaborate with the processor prior to underwriting on loan files with difficult characteristics. • Provide feedback and guidance to processors and other underwriters to ensure continual learning.

View details: Senior Mortgage Loan Underwriter

Kentucky + 2 more

Apply

Mortgage Underwriter

M&T Bank

Headquartered in Buffalo, New York, M&T Bank is a community-focused bank that provides banking, insurance, investment, and mortgage financial services to more t

Mortgage Underwriter12 days ago

Full Time Remote Senior

Company Site

• Responsible for underwriting mortgage loans • Underwrite conventional residential mortgage loans per product and investor guidelines • Ensures loans are in compliance with investor requirements, federal and state laws and regulations • Performs risk assessment of credit and collateral • Responds to and resolves any post-closing issues • Assist management to clear conditions and expedite loan closings • Takes initiative to keep current on changes in investor and M&T guidelines

View details: Mortgage Underwriter

Alabama

$22 - $37 / hour

Apply

Job Closed

Non QM Mortgage Underwriter

Verity Search

Mortgage Underwriter14 days ago

Full Time Remote Senior

Company Site

Title: Non QM Mortgage Underwriter Location: California, United States Job Description: Overview We are partnering with one of the top wholesale lenders in the Non QM space as they expand their underwriting team. This is an opportunity to join a proven, well capitalized platform with strong leadership, consistent volume, and clear growth potential. If you are currently underwriting Non QM loans and want better support, cleaner files, and a more stable operation, this role is worth serious consideration. What They’re Offering - Strong base salary - Monthly production based bonuses - Backed by one of the most established leadership teams in Non QM - Consistent deal flow and experienced broker partners - Remote flexibility while working East Coast hours Key Responsibilities - Underwrite Non QM loan files in accordance with investor guidelines and internal credit policy - Review income, assets, credit, and collateral for complex Non QM scenarios - Analyze self employed income including bank statements, P and Ls, and alternative documentation - Communicate directly with brokers, account executives, and operations to resolve conditions and move files efficiently - Issue clear, accurate loan decisions and conditions - Maintain quality, consistency, and turnaround time standards - Stay current on Non QM program updates and guideline changes Required Qualifications - Current experience underwriting Non QM loans in a wholesale environment - Strong knowledge of Non QM products including bank statement, DSCR, asset depletion, and alternative income programs - Ability to independently manage a pipeline and prioritize effectively - Strong attention to detail and sound credit judgment - Comfortable working in a fast paced, high volume environment - Ability to work East Coast hours Preferred Qualifications - Experience underwriting multiple Non QM investor products - Prior remote underwriting experience - Strong communication skills with brokers and internal teams Why This Role This lender is known for competitive pricing, strong execution, and leadership that understands underwriting. You are not walking into chaos. You are joining a platform built to scale without burning out its underwriters. If you are open to a confidential conversation, reach out directly or send a message.

View details: Non QM Mortgage Underwriter

California

Apply

Mortgage QC Underwriter

Canopy Mortgage

A BETTER Way to Originate Home Loans | Equal Housing Lender | NMLS ID#1359687

Mortgage Underwriter18 days ago

Full Time Remote SeniorTeam 201-500Since 2018H1B No Sponsor

Company Site LinkedIn

• Perform quality control reviews of mortgage loan files for adherence to specific lender guidelines with an emphasis on pre and post-closing audits, compliance. • Reviews include identifying potential fraud and/or misrepresentation, processing / underwriting deficiencies, compliance violations, and/or applicable scope specific opportunities. • Review and provide Quality Control feedback on loan file reviews completed by internal staff • Confirm loan product is compliance with program guidelines and borrower eligibility • Review employment documentation and re-calculate income documentation • Review and recalculate asset and reserve documentation • Review credit report and re-calculate liabilities • Review title commitments, hazard and flood insurance • Review and analyze borrower’s mortgage applications and related documents • Review and analyze real estate purchase contracts, if applicable • Perform Appraisal Reviews for completeness, health and safety issues, and external obsolescence • Identify all red flags within a loan file and ensure they are addressed accordingly • Determine proper designation for title, title services and all other shop-able fees • Compare fee payee names listed on Final Settlement Statement to invoices or other docs in file to validate accuracy of information • Compare Specific Closing Instructions for accuracy (fees and amounts) • Compare Specific Closing Instructions for (loan terms, principal and interest, escrow information). • Review final closing documents to ensure adherence with applicable law • Validate compliance with state specific Non-borrowing spouse signing requirements. • On NORTC eligible loans, verify compliance with Notice of Right to Cancel requirements of RESPA • Confirm all documents and pre-funding conditions pertaining Title, Trusts and POAs have been satisfied • Analyze individual loan files and determine compliance with applicable lender guidelines and/or loan approval • Follow quality control policies and procedures to ensure compliance with scopes of work • Identify training opportunities pertaining to quality reviews and communicate with Quality Manager to implement such needed sessions

View details: Mortgage QC Underwriter

Utah

Apply

Mortgage Loan Underwriter – Construction/Renovation

Luminate Bank

More than just your average bank.

Mortgage Underwriter158 days ago

Full Time Remote SeniorTeam 501-1,000Since 1937H1B No Sponsor

Company Site LinkedIn

• Review mortgage loan applications and supporting documentation (credit reports, income documents, appraisals, etc.) to assess borrower qualifications • Evaluate loans according to company, investor, and regulatory guidelines • Analyze risk factors and ensure loans meet product and compliance requirements • Render loan decisions (approve, suspend, or deny) and provide detailed conditions and rationale • Maintain thorough and accurate documentation in loan files and LOS (Loan Origination System) • Communicate underwriting decisions and conditions clearly to processors, loan officers, and other stakeholders • Stay updated on investor guidelines, industry trends, and regulatory changes (e.g., TRID, ATR/QM, HMDA) • Work collaboratively with processing and closing departments to resolve issues and ensure timely closings • Participate in audits and quality control reviews as needed • Maintain performance goals including turnaround time and accuracy

View details: Mortgage Loan Underwriter – Construction/Renovation

Minnesota

$90K - $100K / year

Apply

How To Use This Page Effectively

This landing page is tuned for remote mortgage underwriter jobs in the us and refreshed hourly. Start with the title and seniority filters, then narrow by salary and tech stack to surface the most relevant matches quickly.

If you are actively applying, prioritize listings posted in the last 24 hours and track opportunities with applied/saved actions to avoid duplicate submissions.

Quick Strategy For Higher Match Quality

Lead with specific role intent

Use one precise role phrase and keep location fixed to United States for cleaner, intent-aligned results.

Prioritize fresh postings first

Open newly posted listings early to increase response rates and reduce duplicate application effort.

Refine with salary and seniority

Add compensation and seniority constraints only after you confirm category fit. This keeps filtering stable.

Related Remote Job Pages

US Remote Jobs All Remote Jobs Remote Entry-Level Jobs Remote Full-time Jobs US Remote Salary Guide Remote Interview Prep Remote Resume Tips US Remote Jobs by State (2026)US Remote Tech Stack Trends (2026)US Remote Job Market Weekly Snapshot Mortgage Underwriter Jobs Mortgage Underwriter Jobs in California Mortgage Underwriter Jobs in Texas Mortgage Underwriter Jobs in New York Mortgage Underwriter Jobs in Florida