(Fully Remote – U.S.)
🧾 About the Role
Union Home Mortgage is hiring a DE/SAR Underwriter to assess loan risk, evaluate borrower documentation, and ensure loan compliance with agency, investor, and company guidelines. You’ll help borrowers secure sustainable homeownership while upholding UHM’s gold standard of quality and turnaround time. This role is vital in balancing sound judgment, regulatory compliance, and opportunity for borrowers.
✅ Position Highlights
• Full-time, Fully Remote (U.S.-based only)
• Underwrite 2–3 new loans per day
• Maintain 24–48 hour turn times and clear UTC conditions within 24 hours
• Work directly with processors, loan officers, and junior underwriters
• Contribute to risk mitigation, training, and departmental strategy
📋 What You’ll Own
• Analyze borrower credit, income, employment, asset profiles, and collateral
• Underwrite FHA, VA, USDA, HFA, and Agency loans using applicable guidelines
• Prepare files for risk committee and make counter-offers as needed
• Stay updated on all guideline changes, overlays, and investor updates
• Support processors and loan officers with scenario clarifications
• Participate in team roundtables, training sessions, and daily huddles
• Support the development of junior underwriters and share best practices
• Maintain compliance and quality control metrics within UHM standards
🎯 Must-Have Traits
• 3–5 years of underwriting experience, with deep knowledge of the mortgage industry
• FHA/VA/USDA/Agency underwriting experience required
• DE Certification required
• LAPP/SAR preferred
• Encompass LOS experience preferred
• Bachelor’s degree preferred or equivalent professional experience
💻 Remote Requirements
• Reliable internet and quiet, professional workspace
• Ability to manage pipeline and collaborate digitally across departments
💡 Why It’s a Win for Remote Job Seekers
You’ll be part of the backbone of responsible lending at a company that values your input, sharpens your skills, and supports your remote lifestyle. At UHM, you don’t just underwrite loans—you help shape homeownership outcomes across the country.
✍️ Call to Action
If you’re ready to use your DE certification and underwriting expertise to balance risk and opportunity in the mortgage space, apply today and help ensure borrowers know #UBelongAtUHM.