Underwriter (Wholesale)

At Evergreen Home Loans®, we believe homeownership changes lives and we're passionate about helping people achieve it while creating a "WOW" experience along the way. Our mission is simple: deliver On Time and As Promised® service while changing the world one relationship at a time.

We're looking for talented, customer-focused professionals who care as deeply about people, teamwork, and service excellence as we do.

Evergreen has been recognized as one of the Puget Sound Business Journal's Best Places to Work multiple years running and has earned national recognition as a certified Great Place to Work®. Most recently, Evergreen was named one of the 2025 Fortune Best Workplaces in Financial Services & Insurance™.

Check out our Great Place to Work® profile here: Working at Evergreen Home Loans | Great Place To Work®

Evergreen has also earned recognition from Top Workplaces, most recently receiving the 2026 Industry Award for Financial Services, along with multiple Culture Excellence Awards recognizing our commitment to associate well-being, leadership, professional development, and workplace culture.

View our Top Workplaces profile and recognitions here: Evergreen Home Loans | TOP Workplaces

At Evergreen, our culture is built on integrity, family, growth, and fun. We believe that when associates feel supported, empowered, and inspired, they deliver extraordinary experiences for customers and business partners alike. When you join Evergreen, you become part of a collaborative, people-first organization that values creative thinking, professional growth, and meaningful relationships. We invest in our associates through leadership development, coaching, community involvement, and opportunities to grow your career while making a real impact.

In return, you'll enjoy:

• A supportive and relationship-driven culture
• Competitive compensation and comprehensive benefits
• 401(k) with company match
• Professional development and career growth opportunities
• A company committed to giving back to the communities we serve

Discover what's possible with Evergreen.

Learn more about our culture and career opportunities at

This position underwrites mortgage loan applications evaluating loans to determine credit risk, minimizes risk and loss, as well as ensuring eligibility for sale to the secondary market. This role reviews property appraisal to determine acceptability of collateral.

Essential Duties and Responsibilities:

• Underwrite FHA, VA, and Conventional loans, including evaluation of property and appraisal.
• Provide guidance and mentoring to Loan Coordinators (processors).
• Provide back-up underwriting to other underwriters within the department, as necessary.
• Assist Loan Officers and Loan Coordinators with borrower qualifying scenarios.
• Keep current on FHA/VA/Conventional changes and underwriting guidelines.
• Proficient in underwriting automated systems: LP, DU & others.
• Assist in clearing underwriting conditions and meeting doc draw, funding and lock dates.
• All functions shall be conducted in a manner keeping with the spirit and intent of EHL's Guiding Values, Balanced Stewardship, and Convictions.
• Responsible for proactive communication with management, operations, and production, with respect to challenges or opportunities.
• Respond to Quality Control Audits from internal departments as well as outside agencies.
• Ability to problem solve and seek solutions to challenges that arise during the underwriter of a loan.
• Adhere to applicable agency, investor, and internal credit and property guidelines.
• Provide review times that meet or exceed company expectations.
• Provide continuous customer service to all loan production staff.
• Other duties as assigned.

Performance Expectations:

• Perform all actions in accordance with the Mission, Vision, and convictions of EHL.
• Provide a "WOW" experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person.
• Seek Feedback: Host regular and timely communication with associates and Manager.
• Be willing to assume additional responsibilities/duties/projects as they arise.
• Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks.
• Perform all actions in accordance with policies and procedures of the company.
• Expected to meet productivity guidelines of the position.
• Effectively use software specific for the position and Microsoft office products.
• Work well with other members of the EHL team and be willing to fill in when needed.

Specific Skills/ Knowledge/ Abilities Required for Position:

• High School Graduate or equivalent
• Minimum 3+ years mortgage Underwriter in all aspects of FHA, VA and conventional lending
• 2-3 years Wholesale lending experience, preferred
• Good knowledge of property appraisal standards and what minimum property requirements for given loan types and investors
• Exercise good judgment and strong character, motivated, hard working.
• Ability to work well with fellow associates, clients and vendors.
• Good communication skills. Neat, clean, healthy work habits.

Physical Requirements:

• Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing. Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus.
• Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more.
• Ability to work in a fast-paced, occasionally noisy environment.
• May be required to drive for business purposes and if so, must hold a driver's license in good standing and maintain personal auto insurance in compliance with EHL's Auto Insurance policy.

Compensation:

The base hourly range rate for this position is $24.85 - $48.22 per hour, depending on a number of factors including location and experience. If applicable, associate may be eligible for per-file incentives, commissions, bonuses or other variable earnings as determined upon hire.

Benefits and Perks:

Eligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses. Basic Life/AD&D insurance for eligible associates as well as a Short-term Disability benefit are provided by Evergreen. Additional Voluntary Life/AD&D, Long-term Disability benefits and Legal/ID protection plans paid for by the associate are also available. Associates are automatically enrolled in Evergreen's 401(k) plan. Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year. Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit.


Evergreen is an equal opportunity employer and E-Verify employer.

Equal Housing Lender


©2026 Evergreen Moneysource Mortgage Company® dba Evergreen Home Loans NMLS ID 3182. 15405 SE 37th Street, Suite 200 Bellevue, WA 98006 Equal Housing Lender. Trade/service marks are the property of Evergreen Home Loans. All rights reserved. AZ Mortgage Banker License #0910074; CA Licensed by the DFPI under the CRMLA #4130291; NV Mortgage Company License 4837;NJ Licensed by the N.J. Department of Banking and Insurance. Evergreen Home Loans does not represent HUD or FHA and the information provided here was not authored, approved, or endorsed by HUD or FHA. For individual and company license information visit

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