Remote Mortgage Underwriter

EMM Loans | Full-Time | Remote

EMM Loans is seeking an experienced and detail-oriented Remote Underwriter to join our growing Retail Operations team. We are looking for a strong conventional underwriter with hands-on experience reviewing condo transactions and expertise in agency guidelines.

The ideal candidate will have deep knowledge of Fannie Mae and Freddie Mac underwriting, including condo reviews, along with at least one additional product designation such as FHA, VA, or USDA.

Responsibilities

• Underwrite residential mortgage loan files in accordance with agency and investor guidelines
• Review income, assets, credit, collateral, and overall loan eligibility
• Analyze and underwrite conventional loans, including condo transactions
• Ensure compliance with Fannie Mae and Freddie Mac requirements
• Underwrite at least one additional loan product type: FHA, VA, or USDA
• Communicate loan conditions and decisions clearly with processors, loan officers, and operations staff
• Maintain productivity and quality standards while meeting turn-time expectations
• Stay current on agency updates and underwriting guideline changes

Qualifications

• Minimum 5 years of recent mortgage underwriting experience
• Strong conventional underwriting experience required
• Extensive Fannie Mae/Freddie Mac condo underwriting experience required
• Must possess at least one additional underwriting designation/experience in FHA, VA, or USDA
• Current DE, SAR, or equivalent certifications are a plus
• Strong analytical and decision-making skills
• Ability to work independently in a remote environment
• Excellent communication and organizational skills
• Experience with Encompass preferred

Why Join EMM Loans?

At EMM Loans, we combine the energy of a growing organization with the stability and reputation of an established national lender. We believe in innovation, collaboration, and investing in people who want to grow their careers and make an impact.

We Offer:

• Competitive compensation package
• Medical, Dental & Vision Insurance
• Flexible Spending Account (FSA)
• Company-Paid Life Insurance & Long-Term Disability
• Additional Buy-Up Insurance Options
• 401(k) with Employer Match
• Career growth opportunities
• Collaborative and entrepreneurial culture
• Hybrid work environment
• And more!

All positions are contingent upon successful completion of a background check. EMM Loans participates in E-Verify.

EMM Loans LLC is an Equal Opportunity Employer
NMLS ID: 2926