DE and VA Underwriter- Remote

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Sun West is a nationwide full-service mortgage seller /servicer with over 44 years of experience. Our current expansion initiative is driven with respect to the competency evolution of Sun West. Sun West has set the mark in the Mortgage industry as one of the leading company’s specialized in FHA Single Family, HUD Multi Family, VA, Conventional and Home Equity mortgages.

Sun West is one of the few direct lenders to provide in-house underwriting, funding, and servicing. Our team is dedicated to offering exceptional customer service coupled with integrity, reliability, strength and stability. We achieve this through our commitment to technology.

We are seeking a seasoned DE and VA Underwriter to join our growing team. This individual will be responsible for making high-stakes, independent credit decisions that directly impact $20–$30 million in monthly lending. If you are meticulous, deeply knowledgeable about underwriting guidelines, and thrive in a high-volume, compliance-driven environment, we want to hear from you.

Key Responsibilities

  • Independently assess loan applications and make underwriting decisions in strict adherence to Agency, Investor, and Sun West guidelines.

  • Underwrite FHA, VA, and Conventional loan products with a high level of accuracy and speed.

  • Analyze borrower credit-worthiness, collateral, and AUS findings (DU/LP).

  • Accurately issue the Loan Analysis and Loan Summary.

  • Downgrade loans to Manual Underwrite where required, as the exclusive authority on such decisions.

  • Stay current with all federal and state lending regulations and mortgagee letters (particularly those issued post-01/2008).

  • Calculate income per Agency guidelines, including complex tax return reviews.

  • Verify borrower assets including gift funds, trailing funds, and reserves.

  • Accurately compute loan amounts for Rate/Term and Streamline Refinances.

  • Identify and resolve HUD-1 deficiencies.

  • Maintain production volumes aligned with company targets, while delivering accurate results.

Required Qualifications

  • Active DE Underwriter Certification (CHUMS ID is mandatory).

  • Actively underwriting FHA loans for the last 24 months.

  • Proficient with Automated Underwriting Systems, especially DU and LP.

  • Strong verbal and written communication skills.

  • Exceptional attention to detail and customer-service orientation.

  • Deep knowledge of compliance regulations, including:

    • Mortgage Disclosure Improvement Act (MDIA)

    • RESPA Reform, Appraisal Independence, and HVCC

  • Proven ability to meet and exceed underwriting production targets.

Technical Requirements

  • High proficiency in Adobe Acrobat® (e.g., splitting/creating PDFs), Microsoft Office, Google Apps, and web-based tools.

  • Excellent typing speed and computer literacy are essential.

Why Join Us?

  • Directly impact substantial lending volumes and influence decision-making.

  • Be part of a professional, compliance-focused, and highly skilled team.

  • Access to continuous learning and development resources.

Company Description
Sun West Mortgage Company, Inc. is an Equal Opportunity Employer. The company and its affiliates recruit and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, veteran or disability status, medical condition, marital status, or any other factor prohibited by federal, state, provincial, and municipal laws.
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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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