Use your underwriting expertise from the comfort of home. This fully remote Non-QM Underwriter role is ideal for an experienced mortgage professional who enjoys deep file analysis, sound decision-making, and helping borrowers achieve sustainable homeownership.
About Union Home Mortgage Corp
Union Home Mortgage Corp is a national mortgage lender focused on helping borrowers buy and keep their homes through responsible lending practices. The company invests heavily in its partner (employee) culture, ongoing training, and staying current with agency and investor guidelines. As an Underwriter, you will be a core part of maintaining quality, compliance, and smart risk management.
Schedule
- Fully remote, full-time position
- Standard business hours with the need to meet strict turn times
- Collaboration with loan officers, processors, and internal teams
What You’ll Do
- Underwrite 3 or more new loans per day by analyzing credit, income, assets, ratios, collateral, and product fit
- Ensure each file meets investor, agency, FHA, VA, USDA, and UHM guidelines, including any overlays
- Maintain 24–48 hour turn times on new files and clear UTC conditions within 24 hours
- Prepare loans for risk committee review and make counter offers when files do not fit original products
- Keep up to date on all guideline changes, product updates, and market shifts
- Verify accuracy of all criteria tied to loan types, products, rates, documentation, and data
- Maintain internal Quality Control standards on all decisions
- Attend trainings, huddles, and roundtables to stay aligned with operations and market trends
- Assist loan officers with scenarios and clarify conditions as needed
- Support the development and coaching of junior underwriters and processors
What You Need
- 3–5 years of experience as a mortgage underwriter with complete knowledge of the mortgage business
- Experience underwriting FHA, VA, USDA, and Agency loans
- Bachelor’s degree preferred or equivalent work experience
- Strong analytical and risk assessment skills
- Ability to make confident, well-documented credit decisions
- Attention to detail and comfort working with financial and quantitative data
- Strong interpersonal skills and clear written communication, including condition and scenario explanations
- Ability to multi-task, stay organized, and meet strict deadlines in a fast-paced environment
- Encompass LOS experience preferred
Benefits
- Competitive remote compensation
- Medical, dental, and vision benefits
- 401(k) participation
- Paid time off and company holidays
- Ongoing training and professional development
- Inclusive culture focused on growth, collaboration, and long-term careers
Roles like this do not stay open long, especially fully remote underwriting positions. If your Non-QM and agency experience is solid, this is the time to move.
Take the next step in your underwriting career without giving up your home office.
Happy Hunting,
~Two Chicks…