Residential Mortgage Underwriter

Job Description

Job Description

Location : Melville, NY | Salary : $80,000 – $90,000

Reliant Home Funding, Inc. — a nationally recognized mortgage banker — is seeking an experienced Conventional Underwriter to join our growing team.

You’ll review and approve conventional residential mortgage loans to ensure compliance with Fannie Mae / Freddie Mac and internal guidelines. Work closely with processors and loan officers to deliver timely, accurate decisions in a fast-paced environment.

What You’ll Do :

Underwrite and review residential loan files for compliance and quality

Analyze income, assets, credit, and collateral documentation

Issue clear approvals, suspensions, or denials

Use industry-leading AI-powered technology to streamline decisions

Requirements :

3+ years of conventional underwriting experience

Strong knowledge of Fannie Mae / Freddie Mac guidelines

Proficiency with DU / LP and Encompass (or similar LOS)

Excellent analytical and communication skills

Why Reliant :

Competitive salary and benefits

Advanced underwriting tools and AI technology

Collaborative, growth-focused culture

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