Remote DE FHA Underwriter

Position Summary

Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. If you’re a detail-oriented professional with at least 3 years of mortgage underwriting experience and a current DE certification, we want to hear from you! You’ll be responsible for reviewing both government and conventional mortgage loan applications to ensure compliance, creditworthiness, and investor eligibility. This is a key role in supporting fast, accurate closings.

Essential Responsibilities

• Underwrite FHA, VA, and conventional mortgage loans
• Ensure loans meet company, investor, and agency guidelines
• Analyze full credit packages and verify loan quality
• Recommend decisions on loans exceeding authority levels
• Support processors and correspondents with guideline interpretation
• Respond to post-closing audits and quality control reviews
• Assist with training of new underwriters when needed
• Maintain a professional image and standard consistent with company policies and procedures
• Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation
• Perform other tasks as requested

Knowledge, Skills and Abilities

• Strong verbal and written communication skills, with the ability to interpret legal documents and explain details to both technical and non-technical staff
• Excellent organizational skills with the ability to manage multiple files and priorities simultaneously while maintaining accuracy
• Proficient in identifying and resolving discrepancies, understanding relevant lending laws and regulations, and performing accurate financial calculations
• Tech-savvy and able to quickly learn and adapt to new systems and underwriting tools
• Critical thinker with sound judgment and decision-making ability under deadlines
• Self-motivated, goal-oriented, and committed to delivering high-quality work
• Detail-oriented with strong recordkeeping and document retrieval skills

Experience and Training

• 3+ years of mortgage underwriting experience – Required
• DE/FHA Certification – Required
• SAR designation – Preferred
• Deep knowledge of FHA/VA/agency underwriting guidelines
• High attention to detail and quality control
• Proficient in Microsoft Office (Word, Excel, Outlook)
• Bachelor's degree preferred (HS diploma required)

Physical Demands and Work Environment

Physical Demands:

• This is a remote, primarily sedentary position that involves extended periods of computer use and screen time (50% or more)
• Occasional movement such as walking, reaching, or light lifting (up to 15 lbs) may be required
• Clear and effective verbal and written communication is essential, especially via phone, video calls, and messaging platforms
• Regular, reliable attendance during standard business hours (8am–5pm EST) is required

Work Environment:

• Fully remote position — work from a dedicated home office environment
• Must have access to reliable internet and a quiet, professional space suitable for handling sensitive information
• Daily use of standard remote office technology, including a computer, phone, and secure digital systems

Why Choose a Career at Ruoff Mortgage?

At Ruoff Mortgage, we believe that where you work, and how you feel about your work, matters. That’s why we’re committed to providing the tools, support, and environment you need to thrive. When you join our team, you’re not just taking a job, you’re building a career with a company that values your expertise, encourages growth, and treats people like people.

We’re proud to offer a collaborative, team-oriented culture alongside meaningful work that helps individuals and families achieve homeownership.

What You’ll Get: Ruoff Strong Total Rewards

Our comprehensive benefits package is designed to support your personal well-being and professional success:

• Health & Wellness: Medical, dental, and vision plans to keep you and your family covered
• Retirement Savings: 401(k) with company match to help you plan for the future
• Time Off: Paid vacation, holidays, and personal time for a healthy work-life balance
• Career Growth: Access to training, education, and advancement opportunities
• Employee Assistance Program (EAP): Free, confidential support for personal or professional challenges

Additional Information:

• Ruoff Mortgage is an equal opportunity employer committed to fostering a diverse and inclusive workplace. We consider applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other protected characteristic under law. 
• We provide reasonable accommodations to qualified individuals with disabilities throughout the hiring process. If you need assistance or accommodation, please contact us.
• Employment with Ruoff Mortgage is “at-will,” meaning either the employee or the company may end the employment relationship at any time, with or without cause or notice.
• This job description is intended to describe the general nature and level of work performed and is not a contract or guarantee of employment. Duties may be modified based on business needs. 
• This is a remote position with working hours of 8am–5pm EST.
• The pay range for this position is $70,000 to $80,000 base salary, plus production bonuses. This range represents the minimum and maximum pay we anticipate offering. Actual pay will be based on qualifications, experience, and business needs.
• Applicants have the right to inquire about the actual pay offered for the position. We also offer a comprehensive benefits package, including health insurance, 401(k) plan, and paid time off.
• Only candidates selected for an interview will be contacted.