Remote Mortgage Underwriter (DE/LAPP/SAR)- (Texas)
WFA Digital Insight
The Mortgage Talent Network is looking for a senior underwriter who can operate entirely from a home office while still serving a Texas‑based commercial bank’s expanding retail mortgage arm. What makes this posting stand out is the explicit call for DE, LAPP and SAR certifications—a rare combination that signals the bank’s commitment to high‑quality, low‑defect loan processing across a full spectrum of government‑backed programs. The role is positioned as both a decision‑maker and a mentor, expecting the underwriter to guide loan officers through complex file structures and keep turn‑times tight without sacrificing accuracy. Candidates who thrive in autonomous environments yet enjoy cross‑functional collaboration will find the blend of technical underwriting depth and remote flexibility compelling.
Job Description
Ready to take your mortgage underwriting career to the next level? Our client, a Texas-based, privately owned Commercial Bank, is expanding its Retail Residential Mortgage lending operations and adding a Senior Underwriter with deep underwriting expertise and DE/LAPP/SAR certifications.
As a Senior Underwriter, you won't just be checking boxes. You will:
• Decision a Full Spectrum: Handle FHA, VA, Conforming, USDA, and Bond/Grant programs.
• Be a Subject Matter Expert: Act as a go-to resource for loan officers and processors to help structure complex files.
• Drive Quality: Ensure minimal turn times while maintaining “zero-defect” quality standards.
• FHA Direct Endorsement (DE) with an active CHUMS ID
• VA Supervised Automatic Review (SAR) with an active VA SAR ID
• Lender Appraisal Processing Program (LAPP) certification
• 5+ years of recent mortgage underwriting experience
• Expertise in AUS systems (DU/LPA)
• Ability to work independently in a remote environment while remaining a collaborative team player
How to Stand Out
- Highlight your DE, LAPP and SAR certifications prominently on your resume and in your cover letter.
- Prepare concrete examples of how you reduced turn‑times or improved loan quality in previous roles.
- Familiarize yourself with the bank’s specific AUS models (DU/LPA) and be ready to discuss your workflow.
- During interviews, emphasize your remote work discipline—mention your home office setup and communication tools.
- Ask about the team’s collaboration platforms to demonstrate your readiness to stay connected.
- When negotiating, reference the typical remote‑work stipend and professional development budget.
- Beware of any offer that does not include health benefits or a clear remote‑work policy; these are standard for senior underwriting positions.
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