Government Mortgage Underwriter (Texas Region)

Government Mortgage Underwriter (Texas) – FHA DE / VA SAR/LAPP

CMG Financial is hiring a Government Mortgage Underwriter for Texas. We are seeking an experienced FHA Underwriter and VA Underwriter with active FHA Direct Endorsement (DE) and VA SAR/LAPP designations. The ideal candidate will have recent experience underwriting Texas mortgage loans, a strong understanding of government and conventional loan products, and the ability to make sound underwriting decisions that protect the financial and operational interests of the company.

This position requires experience underwriting Texas mortgage loans.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Underwrite FHA and VA mortgage loans using active FHA DE and VA SAR/LAPP designations.
• Underwrite Conventional, USDA, Bond, and other residential mortgage loan products.
• Complete 45+ initial mortgage underwrites per month, including credit, income, asset, collateral, and appraisal reviews.
• Underwrite manual mortgage loans and evaluate compensating factors.
• Communicate loan status, underwriting decisions, and conditions with Loan Officers and Processors using current technology.
• Review and re-underwrite files as conditions are satisfied and additional documentation is received.
• Maintain current knowledge of FHA, VA, Conventional, USDA, Bond, and investor underwriting guidelines.
• Support underwriting quality, consistency, and credit policy execution within the team.
• Maintain accurate conversation logs and loan documentation in Byte to ensure proper file progression.
• Assist with training and mentoring of other mortgage team members as needed.
• Complete ad hoc reporting.
• Perform other duties as assigned.

QUALIFICATIONS AND EXPERIENCE:

• Minimum of five (5) years of Government Mortgage Underwriting experience with FHA and VA loans.
• Recent experience underwriting Texas mortgage loans is required.
• Active FHA Direct Endorsement (DE) designation required.
• Active VA SAR/LAPP designation preferred (both designations strongly preferred).
• Experience underwriting Conventional, USDA, and Bond loans.
• Strong knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LP), including interpreting findings, documenting loan decisions, and communicating underwriting requirements.
• Experience underwriting manual loans.
• Intermediate proficiency with Microsoft Word, Excel, Outlook, and email systems.
• Ability to thrive in a fast-paced, high-volume mortgage lending environment.
• Strong communication, interpersonal, organizational, and time management skills.
• Proven leadership skills.
• High level of integrity, professionalism, and confidentiality.

SUPERVISORY RESPONSIBILITIES: Direct Reports: None

PHYSICAL AND ENVIRONMENTAL CONDITIONS:

This position operates in an ADA-compliant office environment using standard office equipment. The role requires prolonged computer work, occasional movement throughout the workday, and flexibility to work overtime as business needs require.

BASE COMPENSATION INFORMATION:

This role is currently allocated for candidates residing in geographic regions that do not currently require base wage disclosure, excluding residents of California (CA), Colorado (CO), and New York (NY).

CMG Financial offers a competitive base salary, bonus opportunities, and overtime as applicable. Compensation is based on factors including government underwriting experience, FHA DE and VA SAR/LAPP designations, mortgage industry expertise, technical skills, experience working with mortgage lenders, education, and overall qualifications.