Residential Mortgage Underwriter (DE)

Company: Reliant Home Funding Location: Remote or In-Office (Full-Time) Job Type: Full-Time About Us: Reliant Home Funding is a growing mortgage lender focused on delivering efficient, technology-driven lending solutions while maintaining a high level of service for both clients and internal teams. Our operations are built around speed, communication, and consistency. We pride ourselves on creating a collaborative environment where underwriters, processors, and loan officers work together to deliver a smooth borrower experience while maintaining strong credit quality and compliance standards. Job Summary: Reliant Home Funding is seeking an experienced DE Underwriter to join our underwriting team. The ideal candidate will have extensive experience underwriting FHA and conventional mortgage loans in a fast-paced environment while maintaining a strong attention to detail and sound credit judgment. This role requires an underwriter who can balance production efficiency with quality decision-making, communicate effectively with internal teams, and contribute to a positive and solutions-oriented culture. What You’ll Do: • Review and underwrite FHA and conventional mortgage loan files in accordance with agency and company guidelines • Analyze income, assets, credit, collateral, and overall borrower risk profiles • Issue clear and well-documented underwriting decisions and conditions • Review complex tax returns, self-employed income, and layered risk scenarios • Work closely with loan officers and processors to ensure timely loan decisions and efficient workflow management • Communicate underwriting decisions professionally and constructively • Maintain strong knowledge of FHA, Fannie Mae, Freddie Mac, and investor guidelines • Ensure compliance with all federal, state, and internal underwriting policies • Meet production, quality, and turn-time expectations in a high-volume environment • Participate in guideline updates, training sessions, and team discussions What We’re Looking For: • Minimum 7 years of residential mortgage underwriting experience • Active FHA DE Certification required • Strong experience underwriting FHA and conventional loans • Excellent understanding of agency guidelines and mortgage regulations • Strong analytical and risk assessment skills • Ability to review and calculate complex income scenarios accurately • Experience with AUS systems including DU and LPA • Strong communication and organizational skills • Ability to work independently while collaborating effectively with operations teams • Professional, team-oriented mindset with strong problem-solving abilities Preferred Qualifications: • Experience in delegated underwriting environments • Knowledge of VA and non-QM products is a plus • Experience working in a high-volume retail or consumer direct mortgage platform • Professional underwriting certifications are a plus • Compensation & Benefits: • Competitive salary based on experience • Performance bonus opportunities • Health, dental, and vision insurance • Paid time off • 401(k) with company match • Career growth opportunities within underwriting leadership and operations Why This Role Stands Out: • Strong operational support structure • Collaborative underwriting environment • Modern technology and streamlined workflow • Leadership team focused on growth and efficiency • Stable platform with consistent loan volume • Opportunity to make a direct impact on loan quality and production success Apply tot his job Apply To this Job