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
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