9d ago

FHA/ 203-K FHA Underwriter

RemoteFull-Timemid

OtherUnderwriter

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Quick Summary

Overview

About EPM Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states,

Technical Tools

OtherUnderwriter

Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.

Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

Independently underwrite FHA 203(k) renovation loans, including both Standard and Limited 203(k) products

Review and analyze credit, income, assets, collateral, and supporting documentation to determine borrower eligibility and overall loan risk through both AUS and manual underwriting

Evaluate renovation plans, contractor documentation, bids, cost estimates, work write-ups, and project-related documentation to ensure compliance with FHA 203(k) requirements

Review appraisals, including the after-improved value, to ensure the proposed loan amount and renovation costs are supported

Ensure loan files meet HUD, FHA 203(k), investor, regulatory, and internal guidelines and overlays

Request and evaluate additional documentation as needed to make accurate and well-supported underwriting decisions

Approve or deny mortgage loans while clearly documenting the rationale for each decision

Review renovation-related conditions and ensure all required documentation is received and properly evaluated prior to final approval

Communicate underwriting decisions, conditions, and renovation requirements to loan officers and internal partners

Collaborate with operations teams, clients, brokers, contractors, and other stakeholders to ensure timely and accurate loan processing

Meet company service level agreements (SLAs) for turnaround times and file quality

Provide exceptional customer service by responding to underwriting questions and documentation requests

Support additional underwriting responsibilities as business needs require

5+ years of mortgage underwriting or mortgage lending experience

2+ years of FHA 203(k) underwriting experience required

Active DE/CHUMS certification required

Minimum 2 years of manual underwriting experience

Recent wholesale underwriting experience required

Strong knowledge of FHA 203(k) Standard and Limited renovation guidelines

Strong understanding of FHA requirements related to renovation costs, contractor documentation, rehabilitation plans, contingency reserves, permits, inspections, and after-improved value

Working knowledge of FHA, conventional, VA, USDA, and Non-QM loan products

Working knowledge of federal mortgage regulations, including RESPA, TILA, Dodd-Frank, and investor guidelines

Proficiency with automated underwriting systems, Encompass (preferred), and Microsoft Office

High school diploma required; college degree preferred

Strong analytical, decision-making, communication, and problem-solving skills

Highly organized, detail-oriented, and committed to delivering quality work in a fast-paced environment

EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic. 

Candidate Acknowledgment Statement

By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.