Mortgage Underwriter (DE & LAPP)

Job Title: DE Underwriter (LAPP/SAR Certified)

Location: Schaumburg, IL

Job Type: Full-Time | In-Office

Better Lending is seeking an experienced DE Underwriter with active FHA Direct Endorsement (DE), LAPP, and SAR certifications to join our growing mortgage team.

Responsibilities

• Underwrite conventional, FHA, VA, and USDA mortgage loans in accordance with investor, agency, and company guidelines.
• Perform FHA Direct Endorsement reviews and issue final approvals as authorized.
• Review loan files for accuracy, completeness, creditworthiness, income, assets, appraisal, and collateral requirements.
• Ensure all underwriting decisions meet regulatory, compliance, and quality-control standards.
• Work closely with loan processors, loan officers, and operations teams to resolve conditions and move files efficiently through the pipeline.
• Provide clear and timely underwriting conditions and communicate decisions professionally.
• Maintain strong knowledge of FHA, VA, FNMA, FHLMC, and investor guidelines.

Requirements

• Active DE, LAPP, and SAR certifications are required.
• Minimum 3–5 years of recent residential mortgage underwriting experience.
• Strong experience underwriting FHA, VA, Conventional, and USDA loans.
• Thorough understanding of agency guidelines, AUS findings, income calculation, credit analysis, and appraisal review.
• Excellent attention to detail, decision-making, communication, and organizational skills.
• Ability to manage a high-volume pipeline while maintaining quality and turnaround times.
• Experience with Encompass or a similar loan origination system preferred.

Why Better Lending?

• Collaborative and supportive team environment
• Competitive compensation based on experience
• Health insurance, 401(k), and additional benefits
• Opportunity to grow with a fast-paced mortgage company
• Be part of a team where “Life Begins at Home.”

To apply, please send your resume to: ***email_hidden***

Benefits

• 401(k)
• Dental insurance
• Health insurance
• Vision insurance