Senior Government Underwriter

🕒 May 26

🌺 Hawaii – Remote

🌺 Hawaii – Remote

💵 $76k - $89k / year

⏰ Full Time

🟠 Senior

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Freedom Mortgage

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1990

💸 Finance

🏦 Banking

🏠 Real Estate

🔥 Funding within the last year

💰 $500M Debt Financing - Freedom Mortgage on 2025-08

Finance • Banking • Real Estate

Freedom Mortgage is a U. S. -based mortgage lender and servicer with over 30 years of experience helping Americans achieve homeownership and financial improvement. The company originates, services, and manages mortgage loans, offering sales, loan servicing, operations, risk management, and supporting functions such as technology, legal, HR, and marketing. Headquartered in Boca Raton, FL (NMLS ID #2767), Freedom Mortgage emphasizes community involvement, customer-focused loan solutions, and career opportunities across a broad range of mortgage-industry roles.

📋 Description

• Underwrites Conventional, FHA, VA and Special Program loans to verify for completeness, accuracy, and compliance • Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans • Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision • Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals • Analyzes and calculates income documentation such as personal and business income statements and ensures all necessary documentation is requested to support final loan decisions • Exercises good judgment, conducts reasonableness tests and issues quality decisions • Determines accuracy and completeness of files; ensures processes are consistent • Communicates regularly with sales team, processors and management

🎯 Requirements

• High School Diploma or GED Required • BA or BS preferred • Minimum 5 years of current frontline mortgage Underwriting required • Appraisal review and tax return analysis skills required • Prior credit signing authority a plus • Experience with repurchase response and/or rebuttal review and response preparation • Secondary market experience a plus • Understanding of TILA, RESPA and Predatory Lending • Strong analytical and decision making/problem solving skills • Proficient in computers including LOS systems, Microsoft Office and Excel • Ability to adapt/learn/utilize multiple software programs • Experience with paperless environment preferred

🏖️ Benefits

• Excellent benefits package including but not limited to PTO • Medical insurance • Dental insurance • Vision insurance • 401(k) plan with company match • Life insurance • Long term and short-term disability options • FSA/HSA • Tuition reimbursement • Other voluntary benefits