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AI Summary
Perform initial underwriting reviews and issue decisions on conventional, non-complex loan files according to Fannie Mae and investor guidelines. Analyze loan documentation and perform Clear-to-Close reviews while meeting established turn-time expectations.
Contract Mortgage Underwriter
Contract | Remote | Per-File Compensation
FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality.
This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area.
Scope of Work
The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines.
Key Responsibilities
Contract | Remote | Per-File Compensation
FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality.
This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area.
Scope of Work
The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines.
Key Responsibilities
- Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions
- Review and analyze loan documentation including:
- Credit reports
- Income and asset documentation
- Tax returns and bank statements
- Appraisals and collateral documentation
- Ensure loans meet Fannie Mae, investor, and company underwriting guidelines
- Identify and assess risk factors and mitigating circumstances
- Review conditions and perform Clear-to-Close (CTC) reviews as assigned
- Communicate underwriting decisions and conditions clearly to internal production staff
- Maintain quality, consistency, and compliance while meeting established turn-time expectations
- Minimum 5 years of recent conventional mortgage underwriting experience
- Strong working knowledge of Fannie Mae guidelines
- Experience underwriting wage-earner income (self-employed or complex income not required)
- Ability to manage workload independently and meet SLA-based deadlines
- Strong written and verbal communication skills
- Experience with Encompass preferred
- Proficient with Microsoft Office tools
- Independent contractor (1099)
- Per-file compensation, based on performance and turn times
- Work volume provided based on business needs
- Equipment, licensing, and work environment provided by contractor
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