Residential Mortgage Underwriter (DE)
Company: Reliant Home Funding Location: Remote or In-Office (Full-Time) Job Type: Full-Time About Us: Reliant Home Funding is a growing mortgage lender focused on delivering efficient, technology-driven lending solutions while maintaining a high level of service for both clients and internal teams. Our operations are built around speed, communication, and consistency. We pride ourselves on creating a collaborative environment where underwriters, processors, and loan officers work together to deliver a smooth borrower experience while maintaining strong credit quality and compliance standards. Job Summary: Reliant Home Funding is seeking an experienced DE Underwriter to join our underwriting team. The ideal candidate will have extensive experience underwriting FHA and conventional mortgage loans in a fast-paced environment while maintaining a strong attention to detail and sound credit judgment. This role requires an underwriter who can balance production efficiency with quality decision-making, communicate effectively with internal teams, and contribute to a positive and solutions-oriented culture. What You’ll Do:
- Review and underwrite FHA and conventional mortgage loan files in accordance with agency and company guidelines
- Analyze income, assets, credit, collateral, and overall borrower risk profiles
- Issue clear and well-documented underwriting decisions and conditions
- Review complex tax returns, self-employed income, and layered risk scenarios
- Work closely with loan officers and processors to ensure timely loan decisions and efficient workflow management
- Communicate underwriting decisions professionally and constructively
- Maintain strong knowledge of FHA, Fannie Mae, Freddie Mac, and investor guidelines
- Ensure compliance with all federal, state, and internal underwriting policies
- Meet production, quality, and turn-time expectations in a high-volume environment
- Participate in guideline updates, training sessions, and team discussions
What We’re Looking For:
- Minimum 7 years of residential mortgage underwriting experience
- Active FHA DE Certification required
- Strong experience underwriting FHA and conventional loans
- Excellent understanding of agency guidelines and mortgage regulations
- Strong analytical and risk assessment skills
- Ability to review and calculate complex income scenarios accurately
- Experience with AUS systems including DU and LPA
- Strong communication and organizational skills
- Ability to work independently while collaborating effectively with operations teams
- Professional, team-oriented mindset with strong problem-solving abilities
Preferred Qualifications:
- Experience in delegated underwriting environments
- Knowledge of VA and non-QM products is a plus
- Experience working in a high-volume retail or consumer direct mortgage platform
- Professional underwriting certifications are a plus
- Compensation & Benefits:
- Competitive salary based on experience
- Performance bonus opportunities
- Health, dental, and vision insurance
- Paid time off
- 401(k) with company match
- Career growth opportunities within underwriting leadership and operations
Why This Role Stands Out:
- Strong operational support structure
- Collaborative underwriting environment
- Modern technology and streamlined workflow
- Leadership team focused on growth and efficiency
- Stable platform with consistent loan volume
- Opportunity to make a direct impact on loan quality and production success
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