Senior Mortgage Underwriter

About This Role

Serving on a growing team of underwriters, this role involves reviewing, analyzing, and approving mortgage loan applications. The ideal candidate will ensure compliance with all investor and agency guidelines, with a strong focus on FHA, VA, NON-QM, and Construction loan products.

Responsibilities

• Underwrite and issue credit decisions on FHA, VA, Conventional, NON-QM, and Construction mortgage loans in compliance with agency, investor, and company guidelines
• Utilize automated underwriting systems (AUS), including DU and LP, to assess loan files
• Review income, assets, credit, and collateral documentation for completeness and accuracy
• Analyze appraisals and property valuations, particularly for VA loans
• Communicate underwriting decisions and loan conditions clearly and promptly to internal teams
• Collaborate with loan officers, processors, and operations staff to ensure timely loan closings
• Maintain current knowledge of industry regulations, investor guidelines, and company policies
• Participate in quality control reviews, audits, and compliance initiatives as needed

Requirements

• Must reside in Texas or the Central Time Zone
• Minimum of 5 years of mortgage underwriting experience
• Strong background in FHA and VA loan products
• Active FHA Direct Endorsement (DE) designation required
• Thorough knowledge of FNMA, FHLMC, FHA, VA, USDA, NON-QM, and Construction loan guidelines
• Strong analytical and decision-making skills
• Excellent written and verbal communication abilities
• Ability to work independently in a fast-paced environment

Nice to have:

• Active VA SAR certification

Benefits

• 401(k)
• Dental insurance
• Health insurance
• Life insurance
• Paid time off
• Vision insurance

About the Company

Efinity Mortgage is seeking an experienced Senior Mortgage Underwriter to join its growing underwriting team.