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Contract Mortgage Underwriter

FocusOne

Houston, TX

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JOB DETAILS
SKILLS
Analysis Skills, Communication Skills, Conventional Loans, Detail Oriented, Employee Benefits, Fannie Mae (FNMA), Licensing, Loan Documents, Loan Review, Loan Submission, Loans, Microsoft Office, Mortgage, Mortgage Lending, Presentation/Verbal Skills, Production Support, Quality Management, Risk Analysis, Service Level Agreement (SLA), Time Management, Underwriting, Writing Skills
LOCATION
Houston, TX
POSTED
2 days ago
Contract Mortgage Underwriter 
Contract | Remote | Per-File Compensation 

FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality.

This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area. 

Scope of Work

The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines.

Key Responsibilities
  • Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions
  • Review and analyze loan documentation including:
    • Credit reports
    • Income and asset documentation
    • Tax returns and bank statements
    • Appraisals and collateral documentation
  • Ensure loans meet Fannie Mae, investor, and company underwriting guidelines
  • Identify and assess risk factors and mitigating circumstances
  • Review conditions and perform Clear-to-Close (CTC) reviews as assigned
  • Communicate underwriting decisions and conditions clearly to internal production staff
  • Maintain quality, consistency, and compliance while meeting established turn-time expectations
Qualifications
  • Minimum 5 years of recent conventional mortgage underwriting experience
  • Strong working knowledge of Fannie Mae guidelines
  • Experience underwriting wage-earner income (self-employed or complex income not required)
  • Ability to manage workload independently and meet SLA-based deadlines
  • Strong written and verbal communication skills
  • Experience with Encompass preferred
  • Proficient with Microsoft Office tools
Contract Details
  • Independent contractor (1099)
  • Per-file compensation, based on performance and turn times
  • Work volume provided based on business needs
  • Equipment, licensing, and work environment provided by contractor

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FocusOne

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