Mortgage Underwriter

Remote Underwriter – Conventional & GovernmentCompany: Cornerstone Mortgage GroupLocation: Remote (U.S.)Employment Type: PermanentSalary: $90,000-$105,00 per yearOpenings: 3Position OverviewCornerstone 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 ResponsibilitiesUnderwrite Conventional (FNMA/FHLMC) and Government loans (FHA, VA, USDA) in accordance with agency guidelines, investor overlays, and internal policiesReview and analyze borrower credit, income, assets, liabilities, and collateral to assess eligibility and riskInterpret and apply investor overlays using AllRegs and agency updates to underwriting decisionsIssue clear and well‑documented approvals, conditions, counteroffers, or denialsReview appraisals, title, and supporting documentation to ensure compliance and loan salabilityUtilize DU, LP, and GUS, and perform manual underwriting when requiredCollaborate with loan officers, processors, closers, and post‑closing teams to resolve conditions and meet turn‑time expectationsMaintain compliance with FHA/HUD, VA, FNMA, FHLMC, TRID, RESPA, and applicable federal and state regulationsStay current on agency guideline changes, investor updates, and industry best practicesRequired Skills & Experience3+ years of residential mortgage underwriting experienceHands‑on underwriting experience with Conventional and Government loan products (FHA required)Proven experience researching investor overlays in AllRegsStrong working knowledge of Encompass LOSNice‑to‑Have QualificationsExperience underwriting VA and/or USDA loansFHA Direct Endorsement (DE) and/or VA SAR certification