Reverse Mortgage Underwriter

Reverse Mortgage Underwriter (FHA DE)

Location: Fully Remote

Employment Type: Direct Hire

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

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

Start Date: ASAP

About the Opportunity

We are seeking an experienced Reverse Mortgage Underwriter to join a growing team in a fully remote capacity. This role is responsible for reviewing credit, asset, income, and collateral documentation and rendering sound underwriting decisions in accordance with HECM and Reverse Proprietary Product guidelines. The ideal candidate is a detail-oriented FHA DE Underwriter with strong reverse mortgage expertise and a commitment to accuracy, compliance, and service excellence.

Key Responsibilities

• Perform comprehensive reviews of loan files to ensure compliance with company, investor, and FHA guidelines.
• Analyze credit, income, asset, and collateral documentation to make sound underwriting decisions.
• Evaluate files for accuracy, completeness, consistency, and regulatory compliance.
• Identify potential red flags and proactively address underwriting concerns.
• Review third-party reports, fraud reports, judgment searches, and lien searches.
• Communicate underwriting decisions and conditions clearly and professionally.
• Collaborate with loan officers, processors, and other mortgage partners to resolve file issues and facilitate loan approvals.
• Maintain company productivity standards and adhere to required underwriting turn times of 24-48 hours.

Required Qualifications

• Approved FHA DE (Direct Endorsement) Underwriter
• Experience underwriting HECM Purchase transactions.
• Minimum of 3 years of Reverse Mortgage Underwriting experience.
• Strong understanding of FHA, HECM, and Reverse Proprietary lending guidelines.
• Excellent customer service and interpersonal communication skills.
• Strong written and verbal communication abilities.
• Proven ability to collaborate effectively with mortgage operations teams.
• Exceptional attention to detail and commitment to accuracy.
• Strong analytical and problem-solving skills.

Why Consider This Opportunity?

• 100% Remote Work Environment
• Competitive Salary: $85K-$100K
• Flexible Scheduling Options
• Stable Direct-Hire Opportunity
• Immediate Start Available

Apply today if you are an FHA DE Underwriter with reverse mortgage expertise and are looking for a flexible, fully remote opportunity with a growing organization.

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, Los Angeles County Fair Chance Ordinance, and San Francisco Fair Chance Ordinance.