Mortgage Underwriter

Job Title

Mortgage Underwriter

Job Description

AmeriSave Mortgage has set the standard in online mortgage lending with over $130 billion in funded loan volume. As one of the top-rated, largest privately-owned online mortgage lenders in the nation, our mission is to deliver beneficial, responsible home lending solutions with unwavering integrity, dedication and excellence.

Our employees are the driving force behind our success. We believe in the power of a dynamic and talented workforce and creating an environment where your contributions are not just recognized, they're celebrated. Your success is our success, and we are seeking skilled professionals who are ready to bring their A-game, exceed benchmarks and enhance the overall excellence of AmeriSave, while also growing and advancing their careers.

At AmeriSave, we're one team with one shared dream - to be the best. Let's redefine excellence together!

What We're Looking For

We're looking for skilled Mortgage Underwriters ready to make an immediate impact. This is your chance to join a high performing team, shape borrower experiences nationwide, and grow your career with a company that's committed to your success.

This is a remote, work from home opportunity — giving you flexibility while staying connected to a team that has your back. Remote work applicants may not work from the following states: California.

What You'll Do

1. Evaluate and underwrite mortgage loans for compliance with agency, investor, and internal guidelines
2. Review credit, income, assets, tax returns, appraisals, title, insurance, fraud tools — and deliver clear, accurate credit decisions
3. Document precise income and asset calculations and articulate well-supported approval rationale
4. Issue conditions and final decisions within established SLAs
5. Review and clear conditions with accuracy and urgency
6. Support pre-funding audits, investor audits, and review-desk inquiries
7. Partner with Loan Officers, Processors, and Closers to ensure smooth, timely closings
8. Stay current on guideline updates, regulatory changes, and industry best practices
9. Contribute to QC reviews and continuous improvement across the department

What You'll Need

• 5+ years current/recent frontline mortgage underwriting experience
• DE and/or SAR certifications preferred
• Deep knowledge of FNMA, FHLMC, FHA, VA, and Jumbo guidelines
• Proficiency in LOS/AUS platforms (Encompass, DU, LPA)
• Strong analytical, credit, and risk assessment skills
• Exceptional attention to detail and the ability to stay sharp in a high volume environment
• A proactive, solutions focused mindset with the ability to multitask and meet deadlines
• High-speed internet required for remote work, Cable or Fiber ONLY with the ability to connect via Ethernet. Minimum speeds: 70/30 Mbps (basic), 200-300/35-70 Mbps (shared), 500-1,000/100+ Mbps (heavy use).

Compensation

The hourly rate for this position ranges between $28 - $38 per hour plus bonus based upon individual performance. Annualized target compensation ranges from $67,000 - $140,000.

Benefits

• 401(k)
• Dental insurance
• Disability insurance
• Employee discounts
• Health insurance
• Life insurance
• Paid time off
• 12 paid holidays per year
• Paid training
• Referral program
• Vision insurance

• Bonus
• Referral bonuses

AmeriSave is an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.