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Contract Mortgage Underwriter
FocusOne
- Houston, Texas, United States
- Houston, Texas, United States
Über
Contract | Remote | Per-File Compensation
FocusOne Mortgage Solutions is seeking an experienced
Contract Mortgage Underwriter
to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within
SLA-driven turn times
while maintaining strong credit quality.
This is a
1099 contract position
and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area.
Scope of Work The Contract Mortgage Underwriter will be responsible for underwriting
conventional, non-complex loan files
in accordance with Fannie Mae and investor guidelines.
Key Responsibilities
Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions
Review and analyze loan documentation including:
Credit reports
Income and asset documentation
Tax returns and bank statements
Appraisals and collateral documentation
Ensure loans meet Fannie Mae, investor, and company underwriting guidelines
Identify and assess risk factors and mitigating circumstances
Review conditions and perform Clear-to-Close (CTC) reviews as assigned
Communicate underwriting decisions and conditions clearly to internal production staff
Maintain quality, consistency, and compliance while meeting established turn-time expectations
Qualifications
Minimum
5 years of recent conventional mortgage underwriting experience
Strong working knowledge of
Fannie Mae guidelines
Experience underwriting wage-earner income (self-employed or complex income not required)
Ability to manage workload independently and meet SLA-based deadlines
Strong written and verbal communication skills
Experience with
Encompass
preferred
Proficient with Microsoft Office tools
Contract Details
Independent contractor (1099)
Per-file compensation , based on performance and turn times
Work volume provided based on business needs
Equipment, licensing, and work environment provided by contractor
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Sprachkenntnisse
- English
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