FHA DE Reverse Mortgage Underwriter

Location: Fully Remote within the United States

Employment Type: Direct Hire

Salary: $85,000-$100,000 annually

Schedule: Monday-Friday, 8:00 AM-5:00 PM PST; flexibility available

About the Opportunity

Join a remote underwriting team supporting reverse mortgage loan reviews from submission through decision. In this role, the Reverse Mortgage Underwriter will evaluate borrower documentation, collateral, credit, income, assets, and supporting file details to determine eligibility under FHA, HECM, and Reverse Proprietary Product guidelines. The ideal candidate has deep reverse mortgage underwriting experience, strong compliance judgment, and the ability to issue clear, accurate decisions within expected turn times and holds an active and current Federal Housing Administration Direct Endorsement.

Must-Have Qualifications

üActive FHA DE (Direct Endorsement) Underwriter approval.

üMinimum of 3 years of Reverse Mortgage Underwriting experience.

üHands-on experience underwriting HECM Purchase transactions.

üStrong knowledge of FHA, HECM, and Reverse Proprietary lending guidelines.

üAbility to review credit, income, asset, collateral, third-party, fraud, judgment, and lien documentation.

üDemonstrated ability to make accurate, compliant underwriting decisions within 24-48 hour turn times.

üExceptional attention to detail, analytical judgment, and problem-solving skills.

üStrong written and verbal communication skills with the ability to clearly explain decisions and conditions.

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