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Salary: USD 95,000 - 110,000 / annual
Homeward is a fast-paced, remote-first real estate fintech startup founded in 2018 that provides bundled cash offers, mortgage, and title services across 13 states. The company helps buyers and sellers move with certainty and convenience by removing uncertainty from the homebuying process.
The Homeward Mortgage Team is responsible for financial review, approval, and processing of every customer loan. The Senior Underwriter will join the Fulfillment Underwriting team, which ensures all originated loans meet Homeward's and investor guidelines while maintaining strong approval standards and certainty of close.
Key responsibilities include:
- Validate accuracy of calculations and data integrity in the Loan Origination System (LOS) and Automated Underwriting System (AUS) responses
- Evaluate credit packages for investment-quality loan products through in-depth analysis of income and asset documentation, including self-employed borrower income calculations
- Calculate housing and debt ratios, assess liquidity, asset concentrations, and leverage
- Review and approve purchase contracts, addendums, title reports, escrow instructions, environmental reports, and legal documentation
- Review complex tax returns and appraisals (including new 3.6 format)
- Collaborate with processors, closers, and loan officers to identify solutions for difficult or denied loan files
- Escalate loan-level challenges to Underwriting Manager/Director as needed
- Meet turn-time expectations and service-level agreements
- Maintain current knowledge of secondary market guidelines
- Manage daily pipeline to meet service expectations and company turn times
The role requires someone collaborative, motivated, and creative who can thrive in a fast-paced, high-production environment. The team works directly with Mortgage Sales and Operations to communicate conditions clearly and show intent to make deals work through creative solutions and structuring.
REQUIREMENTS:
- 5+ years of experience underwriting FNMA, FHLMC, FHA, or VA loans
- Experience underwriting to multiple investor guidelines and overlays
- Experience in correspondent lending and wholesale lending
- Advanced knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LPA)
- Experience with both refinance and purchase mortgage underwriting
- Experience with LendingPad or other LOS platforms
- Strong written and verbal communication skills
- Ability to thrive in fast-paced, high-production environments
