Remote Mortgage Underwriter Job in Florida (Fully Remote)

Make Data-Driven Decisions That Impact Lives

Are you a detail-oriented mortgage professional with an eye for compliance and a heart for innovation? Step into the role of Remote Mortgage Underwriter and help streamline the home loan process using cutting-edge digital tools—all while working from the comfort of your Florida-based home.

Our organization is rewriting how home lending works—infused with automation, precision underwriting, and real-time collaboration. In this role, you won’t just evaluate numbers; you’ll be shaping better financial futures.

Key Responsibilities of the Remote Mortgage Underwriter

Evaluate and Underwrite Residential Mortgage Applications

• Review income documentation, credit histories, property valuations, and asset statements
• Assess loan risk according to agency guidelines: FNMA, FHLMC, FHA, VA, USDA
• Apply both automated and manual underwriting practices to support diverse loan types

Maintain Compliance and Risk Mitigation Standards

• Meet audit expectations with 98 %+ underwriting accuracy
• Flag inconsistencies and suspicious patterns in loan packages
• Partner with QC, compliance, and risk teams to reduce post-close defects

Drive Faster Approval Times Using Automation

• Operate within systems such as DU, LPA, and Encompass
• Collaborate with processing and closing teams using cloud-based portals
• Provide feedback loops to tech teams for AI rule-set optimization

Technologies and Tools You’ll Use

Cutting-Edge Mortgage Platforms

• Encompass LOS – to manage end-to-end underwriting workflows
• Desktop Underwriter (DU) and Loan Product Advisor (LPA) – for automated credit and risk decisions
• OCR-Based Document Parsing – to convert borrower PDFs into actionable data

Digital Collaboration Tools

• Real-time file sharing through secure cloud systems
• Performance dashboards to track underwriting metrics and SLAs
• Integrated e-signature solutions for compliance with TRID timelines

Required Qualifications and Ideal Candidate Traits

Essential Experience

• At least 3 years of mortgage underwriting experience
• Familiarity with remote underwriting environments and digital pipelines
• Proficient with Encompass or similar LOS software
• Capable of managing large volumes while maintaining data accuracy

Preferred Attributes

• Analytical mindset with excellent judgment
• Effective communicator across virtual teams
• Organized, self-driven, and committed to hitting SLA targets

What It’s Like to Work Here Remotely

A Connected Digital Culture

Our underwriting team thrives in a high-trust, low-friction virtual environment. We use video check-ins, instant chat support, and centralized dashboards to ensure clarity and speed.

Remote-First Workflow Design

• Structured day with self-paced productivity windows
• Weekly performance huddles and coaching sessions
• Secure access to underwriting data via dual-authentication protocols

Our leadership team promotes a culture of transparency, constructive feedback, and continuous improvement. You'll be encouraged to share ideas, question outdated practices, and help optimize the underwriting cycle with actionable insights. The autonomy of this role is matched only by the strength of the support behind it.

Compensation and Benefits Package

Competitive Salary and Financial Rewards

• Base Salary: $66,603 annually
• Performance bonuses based on accuracy, turn times, and file quality

Benefits That Support Your Remote Work Lifestyle

• Flexible working hours tailored to your peak productivity
• Home office setup reimbursement for ergonomic and tech needs
• Health, vision, and dental insurance
• Paid time off and sick days

Performance Metrics That Prove Our Success

Company Achievements (Last 12 Months)

• Processed over 12,000 loans through remote underwriting
• Reduced average loan cycle by 27% using automation
• Increased first-pass approval rates by 23%

Your Contribution

• Underwrite 25–30 files per week with precision
• Maintain 98 %+ quality on compliance audits
• Contribute to AI engine optimization with frontline insights

Take the Next Step Toward a Digitally Driven Career

Are you ready to take your underwriting skills to a remote-first, tech-empowered team? This is your chance to redefine what mortgage decision-making can look like in a modern, digital age.

Apply Today to Make an Impact

Submit your application and start shaping the mortgage landscape with your skills and expertise. This role offers more than just a salary—it offers influence, growth, and the future of underwriting in your hands.

Underwrite smarter. Work from anywhere. Start today.