Contract Mortgage Underwriter

Contract Mortgage Underwriter Contract | Remote | Per-File Compensation FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality. This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area. Scope of Work The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines. Key ResponsibilitiesPerform initial underwriting reviews and issue underwriting decisions on complete loan submissions Review and analyze loan documentation including:Credit reports Income and asset documentation Tax returns and bank statements Appraisals and collateral documentation Ensure loans meet Fannie Mae, investor, and company underwriting guidelines Identify and assess risk factors and mitigating circumstances Review conditions and perform Clear-to-Close (CTC) reviews as assigned Communicate underwriting decisions and conditions clearly to internal production staff Maintain quality, consistency, and compliance while meeting established turn-time expectations QualificationsMinimum 5 years of recent conventional mortgage underwriting experience Strong working knowledge of Fannie Mae guidelines Experience underwriting wage-earner income (self-employed or complex income not required) Ability to manage workload independently and meet SLA-based deadlines Strong written and verbal communication skills Experience with Encompass preferred Proficient with Microsoft Office tools Contract DetailsIndependent contractor (1099) Per-file compensation, based on performance and turn times Work volume provided based on business needs Equipment, licensing, and work environment provided by contractor