Job Description
The Mortgage Underwriter is responsible for reviewing, analyzing, and underwriting residential mortgage loan files to ensure compliance with Conventional and Government loan program guidelines, including FHA, VA, and USDA. This role ensures the origination of high‑quality, investment‑grade loans while meeting regulatory, investor, and company standards.
Key Responsibilities
Underwrite Conventional (FNMA/FHLMC) and Government (FHA, VA, USDA) mortgage loans in accordance with agency guidelines, investor requirements, and internal policies
Review and analyze borrower credit, income, assets, liabilities, and collateral to determine loan eligibility and risk
Interpret and apply investor overlays and agency updates to underwriting decisions
Issue loan approvals, conditions, counteroffers, or denials with clear documentation and rationale
Review appraisal reports, title work, and supporting documentation to ensure compliance and loan salability
Utilize automated underwriting systems (DU, LP, GUS) and manually underwrite files when required
Partner closely with loan officers, processors, closers, and post‑closing teams to resolve conditions and meet turn‑time expectations
Maintain compliance with federal and state regulations including FHA/HUD, VA, FNMA, FHLMC, TRID, RESPA, and other applicable guidelines
Stay current on industry changes, agency updates, and investor guideline revisions
We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to HR@insightglobal.com.To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/.
Required Skills & Experience
3+ years of residential mortgage underwriting experience
Hands‑on experience underwriting Conventional and Government loan products (FHA is a must)
Experience looking up investor overlays in AllRegs
Experience with Encompass LOS
Nice to Have Skills & Experience
Experience underwriting VA or USDA loans
FHA Direct Endorsement (DE) and/or VA SAR certification
Benefit packages for this role will start on the 1st day of employment and include medical, dental, and vision insurance, as well as HSA, FSA, and DCFSA account options, and 401k retirement account access with employer matching. Employees in this role are also entitled to paid sick leave and/or other paid time off as provided by applicable law.