Mortgage Underwriter (San Diego)

Remote Underwriter – Conventional & Government

Company: Cornerstone Mortgage Group

Location: Remote (U.S.)

Employment Type: Permanent

Salary: $90,000-$105,00 per year

Openings: 3

Position Overview

Cornerstone Mortgage Group is seeking an experienced Remote Underwriter to evaluate and underwrite residential mortgage loan files across Conventional and Government programs , with a strong emphasis on FHA underwriting . This role is responsible for ensuring loan quality, compliance, and salability while meeting regulatory, investor, and company guidelines.

Key Responsibilities

• Underwrite Conventional (FNMA/FHLMC) and Government loans (FHA, VA, USDA) in accordance with agency guidelines, investor overlays, and internal policies
• Review and analyze borrower credit, income, assets, liabilities, and collateral to assess eligibility and risk
• Interpret and apply investor overlays using AllRegs and agency updates to underwriting decisions
• Issue clear and well‑documented approvals, conditions, counteroffers, or denials
• Review appraisals, title, and supporting documentation to ensure compliance and loan salability
• Utilize DU, LP, and GUS , and perform manual underwriting when required
• Collaborate with loan officers, processors, closers, and post‑closing teams to resolve conditions and meet turn‑time expectations
• Maintain compliance with FHA/HUD, VA, FNMA, FHLMC, TRID, RESPA , and applicable federal and state regulations
• Stay current on agency guideline changes, investor updates, and industry best practices

Required Skills & Experience

• 3+ years of residential mortgage underwriting experience
• Hands‑on underwriting experience with Conventional and Government loan products (FHA required)
• Proven experience researching investor overlays in AllRegs
• Strong working knowledge of Encompass LOS

Nice‑to‑Have Qualifications

• Experience underwriting VA and/or USDA loans
• FHA Direct Endorsement (DE) and/or VA SAR certification