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