Review mortgage files from home and help more borrowers actually get to the closing table. As a Condition Underwriter with Union Home Mortgage, you’re the one who makes sure every condition is legit, every document tells a clean story, and every loan is truly ready for final approval. If you love details, guidelines, and reducing risk without killing deals, this lane is yours.
About Union Home Mortgage
Union Home Mortgage is a national mortgage lender built around a “Partners first” culture. They focus on responsible lending, consistent training, and a genuinely inclusive environment where people can grow long term. With a strong commitment to compliance and quality, UHM gives you solid systems, clear expectations, and the support to do precise, meaningful work every day.
Schedule
- Fully remote, full time
- Standard business hours with some flexibility based on pipeline and volume
- Fast paced, production environment with file volume expectations (14–16 condition files per day)
What You’ll Do
- Review 14–16 condition files per day to clear credit, income, employment, asset, and financial documentation
- Confirm that documents meet investor, agency, FHA, VA, USDA, HUD, HFA, and internal UHM guidelines
- Verify that loan terms, products, rates, and documentation are accurate and complete before final approval
- Communicate with internal and external partners (loan officers, underwriters, processors, broker partners, NDC clients, closers) when items cannot be cleared as submitted
- Maintain awareness of all guideline changes and overlays and apply them consistently to condition reviews
- Protect loan quality and minimize risk while maximizing the borrower’s chance of sustainable homeownership
- Maintain Quality Control ratings within company standards
- Participate in huddles, trainings, and market updates to stay sharp and aligned
- Provide training support and scenario guidance to sales and partners as needed
What You Need
- Bachelor’s degree preferred, or equivalent mortgage experience
- 3–5 years in prefunding QC, underwriting help desk, senior processing, or a similar mortgage condition clearing role
- Full working knowledge of the mortgage business and agency loan types (FHA, VA, USDA, conventional, HFA)
- Strong analytical skills in credit, risk, and documentation review
- Experience with Encompass LOS (or similar loan origination system)
- Excellent attention to detail and comfort using financial and quantitative data
- Strong written and verbal communication skills with a professional, solutions focused tone
- Ability to work in a deadline driven, high volume environment while staying organized and accurate
- Team oriented mindset with sound judgment and a strong sense of ownership
Benefits
- Fully remote work arrangement
- Competitive compensation
- Medical, dental, and vision coverage (full time)
- Retirement plan options
- Paid time off and holidays
- Ongoing training, development, and a clear culture of inclusion
If you want to be the person everyone trusts to say “this file is clean,” this is the move.
Happy Hunting,
~Two Chicks…