Offer summary

Qualifications:

At least 4 years of underwriting experience, preferably in homebuilding, construction, or commercial real estate lending., Strong understanding of construction budgets, draw schedules, project sequencing, and contractor risk., Excellent organizational skills and ability to coordinate across teams., Proficiency in Excel, underwriting systems, or loan origination systems..

Key responsibilities:

Analyze homebuilding loan requests, including financials and project details.

Evaluate collateral, title, environmental, appraisal, and inspection reports to identify risks.

Collaborate with internal teams and partners to execute loan closings and monitor ongoing loans.

Draft underwriting memos and contribute to policy and process development.

Job description

Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible. Here are some interesting facts to help you get to know Better:

We’ve funded over $100 billion in loans for our customers, more than any other fintech

Yahoo! Finance Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approval

Yahoo! Finance Best Mortgage Lenders of 2025: Best online mortgage lender

Fintech Breakthrough Award: Best Lending Innovation Award

Money Magazine 8 Best Mortgage Lenders of 2025: Best for fast closing

We are Forbes’ Best Online Mortgage Lender for 2023

We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world

We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.

A Better Opportunity Were on a mission to transform the $15T mortgage industry—and this role is central to that vision. We’re thrilled to announce a lending partnership with JPMorgan and Avenue One to provide financing for homebuilding. It’s a strategic, highvisibility project, and we need an exceptional underwriter to stand this initiative up from day one and propel our mission. As our Senior Homebuilding Loan Underwriter, youll play a central role by shaping underwriting standards, processes, and risk frameworks from launch to scale. If youre excited to leave your mark on a fastgrowing fintech and build a new lending vertical, this is your moment.

Responsibilities
EndtoEnd Loan Underwriting – Analyze homebuilding loan requests, including borrower financials, contractor qualifications, pro forma budgets, draw schedules, and market feasibility
Risk & Compliance Stewardship – Evaluate collateral, title, environmental, appraisal, and inspection reports; identify and mitigate risks around credit, permitting, zoning, and construction sequencing
CrossDiscipline Collaboration – Work closely with Originations, PM, legaltitle, inspectors, and partners to execute closings, draw processes, and ongoing monitoring
Documentation & Presentation – Draft robust underwriting memos, loan committee materials, and approval recommendations
Process & Playbook Building – Help shape underwriting policies, templates, and risk playbooks that scale with our growing portfolio
Portfolio Management – Monitor active homebuilding loans; flag issues early; structure extensions, if needed; support draw reviews and disbursements

Qualifications
4+ years of underwriting experience – preferably in homebuilding, construction, or commercial real estate lending – strong bonus for groundupresidential projects
Deep understanding of construction budgets, draw schedules, project sequencing, and contractor risk
Exceptional organizational skills; able to drive timelines and coordinate across internal and external teams
Strong communication and networking skills (written and verbal) with experience in engaging senior clients and partners
Comfort with technical concepts and sharpened attention to detail
Proficiency in Excel, underwriting systems, or LOS tools
Experience presenting to internal credit or loan committees
Highownership, biasforaction mindset – takes initiative, thrives in ambiguity, comfortable and collected in fastpaced environments
Company Benefits
We are thrilled to offer all our fulltime employees the following benefit offerings:

Benefits eligibility effective DAY ONE *$0 medical plan premium offering coverage nationwide paired with our Health Savings Account that includes an employer contribution (*Additional Medical, dental, vision plan options also all with nationwide coverage)
Flexible PTO
Immediate virtual mental health support by licensed therapists for our employees and their eligible dependents age 6 and up! First few visits at no cost to you! Personalized care for every fertility and family care journey for our employees and their partner!
Dependent care benefits (i.e. childcare andor elder care costs) include a company match
Discount programs and perks including pet Insurance!
The compensation offered for this role will be based on multiple factors such as location, the role’s scope and complexity, and the candidate’s experience and expertise, and may vary from the range provided.

Disclaimer
Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.