FHA DE Reverse Mortgage Underwriter

FHA DE Reverse Mortgage Underwriter

Location: Fully Remote within the United States

Employment Type: Direct Hire

Salary: $85,000-$100,000 annually

Schedule: Monday-Friday, 8:00 AM-5:00 PM PST; flexibility available

About the Opportunity

Join a remote underwriting team supporting reverse mortgage loan reviews from submission through decision. In this role, the Reverse Mortgage Underwriter will evaluate borrower documentation, collateral, credit, income, assets, and supporting file details to determine eligibility under FHA, HECM, and Reverse Proprietary Product guidelines . The ideal candidate has deep reverse mortgage underwriting experience, strong compliance judgment, and the ability to issue clear, accurate decisions within expected turn times and holds an active and current F ederal H ousing A dministration D irect E ndorsement.

Must-Have Qualifications

ü Active FHA DE (Direct Endorsement) Underwriter approval.

ü Minimum of 3 years of Reverse Mortgage Underwriting experience.

ü Hands-on experience underwriting HECM Purchase transactions.

ü Strong knowledge of FHA, HECM, and Reverse Proprietary lending guidelines.

ü Ability to review credit, income, asset, collateral, third-party, fraud, judgment, and lien documentation.

ü Demonstrated ability to make accurate, compliant underwriting decisions within 24-48 hour turn times.

ü Exceptional attention to detail, analytical judgment, and problem-solving skills.

ü Strong written and verbal communication skills with the ability to clearly explain decisions and conditions.

ü Ability to collaborate effectively with loan officers, processors, and mortgage operations teams.

Important: Candidates must meet all of the must-have qualifications listed above to be considered for this role.

Key Responsibilities

· Perform comprehensive loan file reviews to ensure compliance with company, investor, FHA, HECM, and Reverse Proprietary guidelines.

· Analyze credit, income, asset, collateral, and supporting documentation to determine loan eligibility.

· Evaluate files for accuracy, completeness, consistency, and regulatory compliance.

· Identify potential red flags and proactively address underwriting concerns.

· Review third-party reports, fraud reports, judgment searches, lien searches, and related documentation.

· Communicate underwriting decisions, conditions, and required documentation clearly and professionally.

· Partner with loan officers, processors, and mortgage operations teams to resolve file issues and support timely approvals.

· Maintain productivity standards and meet required underwriting turn times.

Why Consider This Opportunity?

·100% remote work environment

· Competitive salary of $85,000-$100,000 annually

· Flexible scheduling options

· Stable direct-hire opportunity

· Immediate start available

Apply today if you meet every required qualification and are an FHA DE Underwriter with proven reverse mortgage underwriting experience.

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, Los Angeles County Fair Chance Ordinance, and San Francisco Fair Chance Ordinance.