FHA Streamline / VA IRRRL Underwriter

Key Responsibilities

• Underwrite FHA Streamline and VA IRRRL refinance loan files in accordance with agency and investor guidelines
• Review credit reports, income documentation (when applicable), asset documentation, title work, and other required supporting documentation
• Ensure compliance with FHA and VA program requirements
• Utilize automated underwriting systems (DU/LP) and perform manual underwriting when required
• Work closely with processors, originators, and closing teams to obtain required documentation and clear loan conditions
• Maintain productivity, quality control, and turn-time standards established by management
• Provide clear, concise underwriting decisions and condition lists
• Participate in internal and external audits and respond to documentation requests as needed
• Stay current with FHA and VA guideline updates, compliance regulations, and industry changes

Basic Qualifications

• Strong analytical skills and attention to detail
• Excellent problem-solving abilities
• Strong written and verbal communication skills
• Ability to work independently and collaboratively in a remote environment
• Proficiency in Microsoft Windows and loan origination systems (Encompass preferred)

Required Qualifications

• Minimum 5 years of mortgage underwriting experience
• Recent experience underwriting FHA Streamline and/or VA IRRRL loans
• Proficiency with Encompass LOS
• Experience with automated underwriting systems (DU, LP)
• In-depth knowledge of FHA and VA guidelines
• Strong decision-making skills with a high level of accuracy
• Ability to manage a high volume of refinance files in a fast-paced environment
• DE (Direct Endorsement) certification required for FHA underwriting
• SAR/LAPP approval for VA loans preferred

Benefits

• 401(k) with company match
• Health insurance
• Dental insurance
• Vision insurance
• Health Savings Account (HSA)
• Life insurance
• Paid Time Off (PTO)

In Summary

If you are looking for an opportunity to contribute to a growing organization that values your skills and expertise, we want to hear from you. At Village Capital & Investment LLC, we believe in fostering a supportive and inclusive work environment that encourages professional growth. Apply today to take the next step in your career with us!