Government Mortgage Underwriter (Texas Region)

Overview

Government Mortgage Underwriter (Texas) – FHA DE / VA SAR/LAPP

This role supports government loan underwriting in Texas, with a focus on FHA and VA products. The employer is seeking an experienced FHA Underwriter and VA Underwriter with active FHA Direct Endorsement (DE) and VA SAR/LAPP designations, along with recent experience underwriting Texas mortgage loans.

Responsibilities

• Underwrite FHA and VA mortgage loans using active FHA DE and VA SAR/LAPP designations.
• Underwrite Conventional, USDA, Bond, and other residential mortgage loan products.
• Complete 45+ initial mortgage underwrites per month, including credit, income, asset, collateral, and appraisal reviews.
• Underwrite manual mortgage loans and evaluate compensating factors.
• Communicate loan status, underwriting decisions, and conditions with Loan Officers and Processors using current technology.
• Review and re-underwrite files as conditions are satisfied and additional documentation is received.
• Maintain current knowledge of FHA, VA, Conventional, USDA, Bond, and investor underwriting guidelines.
• Support underwriting quality, consistency, and credit policy execution within the team.
• Maintain accurate conversation logs and loan documentation in Byte to ensure proper file progression.
• Assist with training and mentoring of other mortgage team members as needed.
• Complete ad hoc reporting.
• Perform other duties as assigned.

Requirements

• Minimum of five (5) years of Government Mortgage Underwriting experience with FHA and VA loans.
• Recent experience underwriting Texas mortgage loans is required.
• Active FHA Direct Endorsement (DE) designation required.
• Active VA SAR/LAPP designation preferred (both designations strongly preferred).
• Experience underwriting Conventional, USDA, and Bond loans.
• Strong knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LP), including interpreting findings, documenting loan decisions, and communicating underwriting requirements.
• Experience underwriting manual loans.
• Intermediate proficiency with Microsoft Word, Excel, Outlook, and email systems.
• Ability to thrive in a fast-paced, high-volume mortgage lending environment.
• Strong communication, interpersonal, organizational, and time management skills.
• Proven leadership skills.
• High level of integrity, professionalism, and confidentiality.

Compensation & Benefits

• Base compensation is provided for candidates in geographic regions that do not currently require base wage disclosure, excluding residents of California (CA), Colorado (CO), and New York (NY).
• Competitive base salary, bonus opportunities, and overtime as applicable.
• Compensation is based on factors including government underwriting experience, FHA DE and VA SAR/LAPP designations, mortgage industry expertise, technical skills, experience working with mortgage lenders, education, and overall qualifications.

Location

Texas (role requires experience underwriting Texas mortgage loans).