Use your mortgage income expertise from home. Union Home Mortgage is hiring a remote Employment Income Specialist to support Sales, Underwriting, and Operations by analyzing complex borrower income and providing clear, accurate qualifying figures. If you love digging into tax returns, P&Ls, and variable income scenarios, this one is in your lane.
About Union Home Mortgage
Union Home Mortgage is a national mortgage lender focused on helping borrowers achieve homeownership responsibly. They work with FHA, VA, USDA, and Conventional loans and rely on strong underwriting support to keep files clean and compliant. The culture emphasizes inclusion, education, and partner (employee) growth so you’re not just a number in the pipeline.
Schedule
- Fully remote role within the U.S.
- Full-time position
- Standard business hours with workload driven by pipeline and 24–48 hour income review SLAs
What You’ll Do
- Maintain the Self-Employed Income Dashboard and calculate income for self-employed borrowers (Schedule C, Partnerships, S Corps, Corporations) and rental properties
- Review P&Ls and balance sheets to support accurate income calculations
- Maintain the Income Dashboard for commissions, bonuses, and all variable or fluctuating income sources
- Ensure income calculations meet “stable and predictable” requirements for qualifying
- Review, analyze, and certify self-employed, rental, fluctuating, and variable income for all Agency products offered (FHA, VA, Conventional, USDA, etc.)
- Stay current on all Agency income guidelines and apply them correctly to each scenario
- Meet 24–48 hour turn times on income analysis to keep files moving through the pipeline
- Use IncomeGenius for all self-employed income calculations and document supporting logic
- Communicate clearly with internal partners on what additional documentation or clarification is needed to firm up income
What You Need
- High school diploma or equivalent
- Minimum 3 years of experience working with FHA, VA, Conventional, and USDA income guidelines
- Strong knowledge of self-employment income calculation (including K-1s, corporate returns, and add-backs)
- General understanding of Agency guidelines for self-employed, rental, and fluctuating/variable income
- Hands-on experience computing income across multiple loan types (FHA, VA, Conventional, USDA)
- Ability to make a final income decision and clearly explain how you arrived there
- Strong attention to detail and comfort working with numbers, tax returns, and financial statements
- Ability to collaborate with coworkers, share knowledge, and communicate needed information to lock in firm income
Benefits
- Fully remote position with a national mortgage lender
- Competitive compensation (details discussed with employer)
- Inclusive culture focused on education, equity, and growth (#UBelongAtUHM)
- Standard full-time benefits package (medical, retirement, etc.)
- E-Verify employer and equal opportunity workplace
Roles like this are ideal if you want to stay in the mortgage world without taking on full underwriter volume, while still being the go-to income expert everyone relies on.
If this matches your experience and you’re ready to put your income skills to work from home, don’t sit on it.
Happy Hunting,
~Two Chicks…