1099 Government Underwriter- Reservist

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🚀 About Us

At eLEND , we're committed to helping borrowers achieve homeownership by delivering exceptional lending solutions while maintaining the highest standards of credit quality, compliance, and operational excellence. Our Government Underwriting team is at the center of that mission, making sound lending decisions that balance responsible risk management with an outstanding customer experience.

As we continue to expand our Government Lending division, we're looking for a Government Underwriter who wants more than just the next job—we're looking for someone who wants to grow into a Government Underwriter Team Lead and eventually take on broader leadership responsibilities as our organization continues to scale.

🏡 Government Underwriter Reservist (1099 Contract)

Build Your Schedule. Underwrite on Your Terms.

We're growing our Government Underwriting team and looking for experienced Government Underwriter Reservists who want the flexibility to work when it fits their schedule.

Whether you're looking for supplemental income, semi-retired, between opportunities, or simply prefer contract work, this role allows you to pick up underwriting files based on your availability while supporting a high-performing mortgage operations team.

As a 1099 Independent Contractor , you'll have the freedom to choose the days and hours you'd like to work. There are no minimum hour requirements , and you can scale your workload based on your availability.

As our business continues to grow, there may also be opportunities to transition into a full-time W-2 Government Underwriter position should both your interest and business needs align.

Why Join Our Government Underwriter Reservist Team?

✅ Work remotely from anywhere in the U.S.

✅ Create your own schedule

✅ Choose the hours that work best for you

✅ No mandatory overtime

✅ Pick up files based on availability

✅ Opportunity to supplement your income

✅ Opportunity for future full-time employment

✅ Supportive and collaborative underwriting team

🛠️ Key Responsibilities

🏡 Government Mortgage Underwriting

• Analyze FHA, VA, USDA, and Conventional mortgage loan applications to determine creditworthiness and eligibility.

• Review loan-to-value (LTV), debt-to-income (DTI), credit reports, income documentation, assets, employment history, and supporting documentation.

• Calculate borrower income and evaluate repayment capacity.

• Review DU, LPA, and agency underwriting findings.

• Structure loans that meet agency, investor, and company guidelines.

• Identify potential credit risks and make sound underwriting decisions.

• Issue loan approvals, suspensions, and denials with clear underwriting conditions.

📑 Loan File Review & Documentation

• Review mortgage loan files for completeness, accuracy, and compliance.

• Evaluate residential appraisals and supporting collateral documentation.

• Request additional documentation when necessary to support loan eligibility or collateral value.

• Ensure underwriting documentation is complete prior to final approval.

• Maintain detailed underwriting notes and loan file integrity throughout the underwriting process.

🤝 Collaboration

• Partner with Loan Officers, Processors, Closers, and Operations teams to move loans efficiently through the underwriting process.

• Clearly communicate underwriting decisions and conditions.

• Provide guidance regarding agency guidelines and loan structure.

• Help resolve complex loan scenarios while maintaining excellent customer service.

• Collaborate virtually through Microsoft Teams, email, and other communication platforms.

⚖️ Compliance & Quality

• Ensure compliance with FHA, VA, USDA, Conventional, investor, and company underwriting guidelines.

• Maintain current knowledge of agency updates and investor overlays.

• Review Quality Control findings when applicable.

• Ensure all underwriting decisions comply with Fair Lending, TRID, RESPA, ECOA, HMDA, and applicable regulations.

• Maintain the highest standards of underwriting accuracy and consistency.

📈 Operational Excellence

• Manage an underwriting pipeline based on your selected availability.

• Utilize Encompass Loan Origination System to document underwriting decisions.

• Prioritize files while meeting agreed-upon service-level expectations.

• Support workflow improvements and underwriting best practices.

• Participate in process improvement initiatives when available.

🎯 What You Bring

• Minimum of 5+ years of Government Mortgage Underwriting experience.

• Strong knowledge of FHA, VA, USDA, and Conventional underwriting guidelines.

• Excellent analytical and credit risk assessment skills.

• Strong decision-making and problem-solving abilities.

• High attention to detail and commitment to quality.

• Excellent verbal and written communication skills.

• Ability to work independently while collaborating remotely with internal teams.

• Strong organizational and time management skills.

• Ability to effectively manage your workload based on your availability.

⭐ Preferred Qualifications

• DE (Direct Endorsement) Certification preferred.

• VA SAR/LAPP authority preferred.

• Experience underwriting FHA, VA, USDA, and Conventional loans.

• Experience using Encompass Loan Origination System.

• Experience in high-volume mortgage underwriting environments.

• Knowledge of investor overlays and Quality Control processes.

📅 A Day in the Life

Your day may include:

• Reviewing FHA, VA, USDA, and Conventional loan files.

• Calculating borrower income and analyzing credit risk.

• Reviewing appraisals and collateral documentation.

• Issuing underwriting decisions and clearing conditions.

• Communicating with Loan Officers, Processors, and Closers.

• Resolving complex loan scenarios.

• Managing your underwriting pipeline while maintaining exceptional quality standards.

• Supporting operational excellence through accurate and timely underwriting decisions.

💻 Work Environment

100% Remote – U.S. Based

As a Government Underwriter Reservist, you'll enjoy the flexibility of working from home while collaborating with a highly experienced mortgage operations team.

• Virtual collaboration through Microsoft Teams, email, and phone.

• Flexible scheduling based on your availability.

• Independent contractor (1099) engagement.

• Opportunity to increase workload as business needs grow.

🚀 Future Opportunities

While this is a 1099 Independent Contractor opportunity, we believe in building long-term relationships with talented professionals.

As our underwriting organization grows, Reservists who consistently demonstrate strong production, quality, collaboration, and reliability may be considered for future full-time W-2 Government Underwriter opportunities should positions become available.

💰 Compensation

• 1099 Independent Contractor – Paid Per File

• Compensation is based on the type of underwriting review performed and the complexity of the loan file.

• Per-file compensation varies depending on the review type (initial review, condition review, final review, etc.) and the number of items or conditions requiring evaluation.

• Contractors have the flexibility to manage their workload and earnings based on the number and type of files they choose to accept.

• No minimum hour or production requirements.

• Work when you want, based on your availability and business volume.

• Opportunity to increase earnings by accepting additional files as volume increases.

• Potential pathway to future full-time W-2 employment should business needs arise and there is mutual interest.

🌈 Equal Opportunity for All

At eLEND , we're committed to building a diverse, inclusive, and innovative workplace where every employee can thrive. We believe in developing talent from within and providing meaningful opportunities for career advancement. Employment decisions are based on qualifications, performance, experience, and business needs while providing equal opportunities for all individuals regardless of race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other protected characteristic.