Job Details

DE FHA Underwriter

Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you're a detail-oriented professional with at least 3 years of mortgage underwriting experience and a current DE certification, we want to hear from you! You'll be responsible for reviewing both government and conventional mortgage loan applications to ensure compliance, creditworthiness, and investor eligibility. This is a key role in supporting fast, accurate closings.

Essential Responsibilities:

• Underwrite FHA, VA, and conventional mortgage loans
• Ensure loans meet company, investor, and agency guidelines
• Analyze full credit packages and verify loan quality
• Recommend decisions on loans exceeding authority levels
• Support processors and correspondents with guideline interpretation
• Respond to post-closing audits and quality control reviews
• Assist with training of new underwriters when needed
• Maintain a professional image and standard consistent with company policies and procedures
• Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation
• Perform other tasks as requested

Knowledge, Skills and Abilities:

• Strong verbal and written communication skills, with the ability to interpret legal documents and explain details to both technical and non-technical staff
• Excellent organizational skills with the ability to manage multiple files and priorities simultaneously while maintaining accuracy
• Proficient in identifying and resolving discrepancies, understanding relevant lending laws and regulations, and performing accurate financial calculations
• Tech-savvy and able to quickly learn and adapt to new systems and underwriting tools
• Critical thinker with sound judgment and decision-making ability under deadlines
• Self-motivated, goal-oriented, and committed to delivering high-quality work
• Detail-oriented with strong recordkeeping and document retrieval skills

Experience and Training:

• 3+ years of mortgage underwriting experience Required
• DE/FHA Certification Required
• SAR designation Preferred
• Deep knowledge of FHA/VA/agency underwriting guidelines
• High attention to detail and quality control
• Proficient in Microsoft Office (Word, Excel, Outlook)
• Bachelor's degree preferred (HS diploma required)

Physical Demands and Work Environment:

• This is a remote, primarily sedentary position that involves extended periods of computer use and screen time (50% or more)
• Occasional movement such as walking, reaching, or light lifting (up to 15 lbs) may be required
• Clear and effective verbal and written communication is essential, especially via phone, video calls, and messaging platforms
• Regular, reliable attendance during standard business hours (8am5pm EST) is required

• Fully remote position work from a dedicated home office environment
• Must have access to reliable internet and a quiet, professional space suitable for handling sensitive information
• Daily use of standard remote office technology, including a computer, phone, and secure digital systems