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