Mortgage Underwriter Job at Insight Global, Poway, CA

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  • Insight Global
  • Poway, CA

Job Description

Remote Underwriter Conventional & Government

Company: Cornerstone Mortgage Group

Location: Remote (U.S.)

Employment Type: Permanent

Salary: $90,000-$105,00 per year

Openings: 3

Position Overview

Cornerstone Mortgage Group is seeking an experienced Remote Underwriter to evaluate and underwrite residential mortgage loan files across Conventional and Government programs , with a strong emphasis on FHA underwriting . This role is responsible for ensuring loan quality, compliance, and salability while meeting regulatory, investor, and company guidelines.

Key Responsibilities

  • Underwrite Conventional (FNMA/FHLMC) and Government loans (FHA, VA, USDA) in accordance with agency guidelines, investor overlays, and internal policies
  • Review and analyze borrower credit, income, assets, liabilities, and collateral to assess eligibility and risk
  • Interpret and apply investor overlays using AllRegs and agency updates to underwriting decisions
  • Issue clear and well?documented approvals, conditions, counteroffers, or denials
  • Review appraisals, title, and supporting documentation to ensure compliance and loan salability
  • Utilize DU, LP, and GUS , and perform manual underwriting when required
  • Collaborate with loan officers, processors, closers, and post?closing teams to resolve conditions and meet turn?time expectations
  • Maintain compliance with FHA/HUD, VA, FNMA, FHLMC, TRID, RESPA , and applicable federal and state regulations
  • Stay current on agency guideline changes, investor updates, and industry best practices

Required Skills & Experience

  • 3+ years of residential mortgage underwriting experience
  • Hands?on underwriting experience with Conventional and Government loan products (FHA required)
  • Proven experience researching investor overlays in AllRegs
  • Strong working knowledge of Encompass LOS

Nice?to?Have Qualifications

  • Experience underwriting VA and/or USDA loans
  • FHA Direct Endorsement (DE) and/or VA SAR certification

Job Tags

Permanent employment

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