DE/SAR Underwriter
What You’ll Do:
The DE/SAR Underwriter will have at least 5+ years of experience underwriting FHA, VA, or Bond loans to ensure appropriate guidelines are met according to investor requirements.
This is a remote position and can sit in any state that Inspire is in: CA, SC, NC, CO, ID, FL, TX, AZ, NV, GA, MI, TN, UT.
DE & SAR certification required.
Your key responsibilities include:
• Diligently review credit, income, and assets documentation to determine the borrower’s creditworthiness and repayment ability.
• Review property appraisal reports ensuring the value of the property is accurately presented.
• Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
• Follow AUS findings as well as manually underwrite loans.
• Leverage knowledge of loan products and offer alternative financing options on eligible loans that cannot be approved as submitted.
• Provide clear, concise, and appropriate conditioning of loans when rendering decisions.
• Review items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
• Mentor processing staff on underwriting deficiencies and calculation errors.
• Ensure quality control standards are met so the company can sell the loan.
• Works collaboratively with team members (i.e., loan officers, loan processors, closing, post-closing, etc.) to drive quality deals to successful funding.
• Keep updated on agency/non-agency guidelines and internal policy and procedures.
• Underwrite 2-3 new files a day in addition to reviewing files for conditions and clear to close.
• Perform other duties as needed or assigned.
What You Have:
• Thorough knowledge of loan origination systems, Encompass, a plus.
• Extensive knowledge of FHA, VA, and investor guidelines.
• Prior experience working in a fast-paced, high-volume environment.
• Proficiency in Microsoft Office products such as Word, Excel, and Outlook
• Organized, attention to detail, time-sensitive and dependable.
• Strong communication skills, verbal and written.
• Ability to work hours above 40 hours/week during peak volume.
Your Education and Experience:
• A high school diploma or equivalent is required. A college degree is preferred.
• Previous underwriting experience required, preferably 5+ years of experience with conventional and government loans.
• DE & SAR certification required.
• Familiarity with builder loans is preferred.
Benefits We Offer:
Team members enjoy an excellent benefits package that includes medical, dental, vision, 401(k) with employer match, paid time off, and sick leave, plus home and mortgage discounts. We also offer competitive salaries with the potential for discretionary bonuses and/or commission structure (depending on the position).
We Hire The Best:
Our mission of financing A Home For Every DreamTM is only possible with the best talent in the industry. If that’s you—if you’re a self-starter, changemaker, and thoughtful collaborator ready to take their career to the next level—then apply today!
About Inspire Home Loans
As an affiliate of Century Communities, we strive to make homeownership a reality. We’re proud to be part of the company’s mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits needed to build successful, rewarding careers.
The DE/SAR Underwriter will have at least 5+ years of experience underwriting FHA, VA, or Bond loans to ensure appropriate guidelines are met according to investor requirements.
This is a remote position and can sit in any state that Inspire is in: CA, SC, NC, CO, ID, FL, TX, AZ, NV, GA, MI, TN, UT.
DE & SAR certification required.
Your key responsibilities include:
• Diligently review credit, income, and assets documentation to determine the borrower’s creditworthiness and repayment ability.
• Review property appraisal reports ensuring the value of the property is accurately presented.
• Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
• Follow AUS findings as well as manually underwrite loans.
• Leverage knowledge of loan products and offer alternative financing options on eligible loans that cannot be approved as submitted.
• Provide clear, concise, and appropriate conditioning of loans when rendering decisions.
• Review items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
• Mentor processing staff on underwriting deficiencies and calculation errors.
• Ensure quality control standards are met so the company can sell the loan.
• Works collaboratively with team members (i.e., loan officers, loan processors, closing, post-closing, etc.) to drive quality deals to successful funding.
• Keep updated on agency/non-agency guidelines and internal policy and procedures.
• Underwrite 2-3 new files a day in addition to reviewing files for conditions and clear to close.
• Perform other duties as needed or assigned.
What You Have:
• Thorough knowledge of loan origination systems, Encompass, a plus.
• Extensive knowledge of FHA, VA, and investor guidelines.
• Prior experience working in a fast-paced, high-volume environment.
• Proficiency in Microsoft Office products such as Word, Excel, and Outlook
• Organized, attention to detail, time-sensitive and dependable.
• Strong communication skills, verbal and written.
• Ability to work hours above 40 hours/week during peak volume.
Your Education and Experience:
• A high school diploma or equivalent is required. A college degree is preferred.
• Previous underwriting experience required, preferably 5+ years of experience with conventional and government loans.
• DE & SAR certification required.
• Familiarity with builder loans is preferred.
Benefits We Offer:
Team members enjoy an excellent benefits package that includes medical, dental, vision, 401(k) with employer match, paid time off, and sick leave, plus home and mortgage discounts. We also offer competitive salaries with the potential for discretionary bonuses and/or commission structure (depending on the position).
We Hire The Best:
Our mission of financing A Home For Every DreamTM is only possible with the best talent in the industry. If that’s you—if you’re a self-starter, changemaker, and thoughtful collaborator ready to take their career to the next level—then apply today!
About Inspire Home Loans
As an affiliate of Century Communities, we strive to make homeownership a reality. We’re proud to be part of the company’s mission to create thriving, enduring neighborhoods with lasting livability, focusing on building sustainable, affordably priced homes for our customers while reducing our carbon footprint. For team members, our goal is to provide the resources, opportunities, and benefits needed to build successful, rewarding careers.