National Mortgage Staffing
Remote DE Underwriter- California Residents only
National Mortgage Staffing, Irvine, California, United States, 92713
Senior DE Underwriter (Remote – California)
Our client is seeking an experienced
Senior DE Underwriter
to join a growing California-based mortgage lender. This position is
fully remote
but requires residency in the state of
California.
The ideal candidate will have a strong underwriting background across both Agency and FHA products, an active
Direct Endorsement (DE)
certification, and the ability to analyze complex borrower profiles including self-employed income and alternative documentation loans.
Key Responsibilities
Underwrite and issue loan decisions for
Fannie Mae, Freddie Mac, and FHA
mortgage loans.
Analyze personal and business tax returns, income, assets, credit, and collateral.
Evaluate
WVOE, P&L, Bank Statement, DSCR, and Asset-based
documentation.
Ensure loans meet investor and agency compliance standards.
Communicate underwriting decisions and conditions clearly to internal teams.
Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly.
Maintain accuracy, efficiency, and strong turn times in a high-volume environment.
Qualifications
Minimum 5 years of residential mortgage underwriting experience.
Active FHA Direct Endorsement (DE) required. (used within past 11 months)
Proficient in
Encompass LOS ,
CoreLogic FraudGuard , and
AUS systems
(DU, LPA, Total Scorecard).
Strong working knowledge of
Agency and FHA
guidelines.
Skilled at income calculation for
self-employed borrowers.
Experience with
Non-QM or alternative documentation loans
preferred.
Must be
currently employed in the mortgage industry
(no gaps exceeding 12 months).
Must
reside in California.
Compensation & Benefits
Base Salary:
$70,000–$100,000 (based on experience)
Bonus:
Monthly eligibility after 2 years (based on funding volume)
Benefits:
Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days
Schedule:
Monday–Friday, 8:30 a.m.–5:30 p.m. PST
Work Model:
Remote – California residents only
#J-18808-Ljbffr
Senior DE Underwriter
to join a growing California-based mortgage lender. This position is
fully remote
but requires residency in the state of
California.
The ideal candidate will have a strong underwriting background across both Agency and FHA products, an active
Direct Endorsement (DE)
certification, and the ability to analyze complex borrower profiles including self-employed income and alternative documentation loans.
Key Responsibilities
Underwrite and issue loan decisions for
Fannie Mae, Freddie Mac, and FHA
mortgage loans.
Analyze personal and business tax returns, income, assets, credit, and collateral.
Evaluate
WVOE, P&L, Bank Statement, DSCR, and Asset-based
documentation.
Ensure loans meet investor and agency compliance standards.
Communicate underwriting decisions and conditions clearly to internal teams.
Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly.
Maintain accuracy, efficiency, and strong turn times in a high-volume environment.
Qualifications
Minimum 5 years of residential mortgage underwriting experience.
Active FHA Direct Endorsement (DE) required. (used within past 11 months)
Proficient in
Encompass LOS ,
CoreLogic FraudGuard , and
AUS systems
(DU, LPA, Total Scorecard).
Strong working knowledge of
Agency and FHA
guidelines.
Skilled at income calculation for
self-employed borrowers.
Experience with
Non-QM or alternative documentation loans
preferred.
Must be
currently employed in the mortgage industry
(no gaps exceeding 12 months).
Must
reside in California.
Compensation & Benefits
Base Salary:
$70,000–$100,000 (based on experience)
Bonus:
Monthly eligibility after 2 years (based on funding volume)
Benefits:
Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days
Schedule:
Monday–Friday, 8:30 a.m.–5:30 p.m. PST
Work Model:
Remote – California residents only
#J-18808-Ljbffr