Underwriter

Vaco has partnered with a national mortgage lender experiencing a significant increase in business volume. We’re looking for two experienced Mortgage Underwriters to join their team.

Responsibilities :

Review and evaluate residential mortgage applications and documentation for completeness, accuracy, and compliance with FNMA, FHLMC, FHA, VA, and investor guidelines.

Render loan decisions in alignment with AUS findings, overlays, and internal policies.

Review and calculate income, assets, and liabilities to ensure accurate borrower qualification and risk assessment.

Manage underwriting decisions and communicate effectively with Loan Officers and Processors to resolve conditions.

Enter all conditions and HMDA data into Encompass LOS and maintain documentation accuracy.

Stay current on industry, investor, and agency updates to ensure compliance with all guidelines.

Maintain productivity and quality standards, averaging 2 new files and 4–5 condition reviews per day.

Assist in refining underwriting processes and contributing to continuous improvement initiatives.

What We’re Looking For

3–5+ years of recent mortgage underwriting experience.

DE / FHA certification required.

Experience performing manual FHA underwrites.

Full-cycle underwriting experience (start to finish).

Strong communication and collaboration skills—must be comfortable working closely with sales teams.

Proficiency in Encompass LOS and Microsoft Office Suite.

High school diploma required; additional education a plus.

Why You’ll Love It Here

Fully remote opportunity with a collaborative, performance-driven culture.

Competitive compensation and bonus structure.

Overtime pay opportunities.

Free-flowing communication with leadership and strong team engagement.

Supportive management and clear processes that prioritize quality and efficiency.

Determining compensation for this role (and others) at Vaco / Highspring depends upon a wide array of factors including but not limited to the individual’s skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs. With that said, as required by local law in geographies that require salary range disclosure, Vaco / Highspring notes the salary range for the role is noted in this job posting. The individual may also be eligible for discretionary bonuses, and can participate in medical, dental, and vision benefits as well as the company’s 401(k) retirement plan.

Vaco by Highspring values a diverse workplace and strongly encourages women, people of color, LGBTQ+ individuals, people with disabilities, members of ethnic minorities, foreign-born residents, and veterans to apply.

EEO Notice

Vaco by Highspring is an Equal Opportunity Employer and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by federal, state or local law.

Vaco by Highspring and its parents, affiliates, and subsidiaries are committed to the full inclusion of all qualified individuals. As part of this commitment, Vaco by Highspring and its parents, affiliates, and subsidiaries will ensure that persons with disabilities are provided reasonable accommodations. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and / or to receive other benefits and privileges of employment, please contact HR@vaco.com .

Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal .

By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. You also agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal.

Privacy Notice

Vaco by Highspring and its parents, affiliates, and subsidiaries (“we,” “our,” or “Vaco by Highspring”) respects your privacy and are committed to providing transparent notice of our policies.

California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here .

• Virginia residents may access our state specific policies here .
• Residents of all other states may access our policies here .
• Canadian residents may access our policies in English here and in French here .
• Residents of countries governed by GDPR may access our policies here .

Pay Transparency Notice

Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to :

With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses.