This is a senior wholesale mortgage underwriting role focused on FHA (must-have) with strong preference for FHA DE and/or VA SAR. You’ll be making credit decisions, clearing conditions, catching risk flags, and handling post-closing credit exceptions. It’s high volume, detail-heavy, and you’re expected to confidently interpret investor guidelines without hand-holding.
About Carrington Mortgage Services, Wholesale Lending
Carrington Mortgage Services, Wholesale Lending is part of The Carrington Companies. They provide third-party originators, mortgage brokers, and financial institutions access to government and conventional loan programs, including options for lower credit scores and low down payments.
Schedule
Full time
Remote (United States)
What You’ll Do
- Underwrite loans to company and investor guidelines while meeting legal and policy requirements
- Analyze loan quality and compliance across credit, income, and property/collateral
- Review appraisals for quality, completeness, and guideline fit
- Identify risk factors, detect red flags, and clear inconsistencies using tools and documentation
- Determine underwriting conditions, stipulations, and pre-funding requirements
- Review and clear conditions and stipulations as documentation comes in
- Communicate with clients, sales teams, and operations to resolve issues quickly
- Assist support staff as needed to keep files moving
- Respond to post-closing credit exceptions from investors/auditors when required
- Stay current on investor guideline updates and underwriting trends
- Perform second-signature reviews for junior underwriters (within authority)
- Maintain strict confidentiality of borrower information
What You Need
- 5+ years of FHA mortgage underwriting experience (required)
- DU and LP experience (required)
- Paperless LOS experience (preferred)
- Experience working in a paperless environment (preferred)
- FHA Direct Endorsement and/or VA SAR designation (highly preferred)
- Strong organization, ability to juggle multiple files/tasks, and clear written/verbal communication
Benefits
- Comprehensive healthcare plans
- 401(k) match: 50% of the first 4% contributed (discretionary)
- Employee discounts (fitness, restaurants, retail, and more)
- Customized training programs
- Employee referral bonuses
- Educational reimbursement
- Carrington Charitable Foundation community initiatives
Pay
Target pay range: $100,000–$115,000 base + monthly incentive plan
One honest filter before you burn time: if you don’t have 5+ years FHA underwriting plus DU/LP, this is a hard no. If you do, this is a legit senior seat with strong comp potential.
Happy Hunting,
~Two Chicks…