Use your underwriting expertise to make real decisions that help borrowers get and keep their homes. This fully remote TPO Underwriter (DE/SAR) role is ideal for an experienced mortgage underwriter who loves complex files, agency guidelines, and working closely with third-party originators.
About Union Home Mortgage
Union Home Mortgage is a national mortgage lender that calls its employees “Partners” and backs that up with training, tools, and long-term growth. The company focuses on doing lending the right way: compliant, consistent, and customer-focused. As a TPO Underwriter, you sit at the center of that mission, balancing risk and homeownership opportunity.
Schedule
- Full-time, fully remote role within the United States
- Standard weekday schedule with strict 24–48 hour turn-time expectations
- Fast-paced, production-focused underwriting environment
What You’ll Do
- Underwrite 3–4 new TPO loans per day, thoroughly analyzing income, credit, assets, ratios, collateral, and overall risk
- Review loan applications, appraisals, and supporting documentation to ensure alignment with investor, agency, HUD, VA, USDA, and HFA guidelines
- Clear UTC conditions within 24 hours and help move loans from conditional approval to final approval
- Make counteroffers on loans that don’t fit the original product and propose alternative structures when appropriate
- Stay up to date on investor, agency, FHA, VA, USDA, and internal guideline changes, including overlays
- Prepare select loans for risk committee review and present risk/mitigation clearly
- Maintain quality control ratings within company standards while meeting strict turn times
- Support loan officers, broker partners, and NDC clients with scenarios and condition clarification
- Assist in training and developing junior underwriters, broker coordinators, and processors
- Participate in departmental huddles, roundtables, and ongoing education to stay ahead of market changes
What You Need
- 3–5 years of recent mortgage underwriting experience with complete knowledge of the mortgage lifecycle
- Direct Endorsement (DE) required; LAPP/SAR preferred
- Experience underwriting FHA, VA, and Agency (Conventional) loans
- Bachelor’s degree preferred or equivalent work experience
- Strong analytical skills in credit, risk, and income assessment
- Experience with Encompass LOS (or similar loan origination system)
- High attention to detail, sound judgment, and comfort working with financial/quantitative data
- Ability to work independently, meet strict deadlines, and maintain a high level of accuracy
- Clear written and verbal communication skills and a collaborative mindset
Benefits
- Fully remote position
- Competitive compensation (details provided by employer)
- Health, dental, and vision insurance
- 401(k) and additional financial benefits
- Paid time off and paid holidays
- Ongoing training, growth, and development opportunities
If you’re a DE/SAR-level underwriter who thrives on tough files, tight SLAs, and partnering with TPO clients, this is a strong fit.
Happy Hunting,
~Two Chicks…