Senior Underwriter

Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible. Here are some interesting facts to help you get to know Better:
- We’ve funded over $100 billion in loans for our customers, more than any other fintech- Yahoo! Finance - Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approval- Yahoo! Finance - Best Mortgage Lenders of 2025: Best online mortgage lender - Fintech Breakthrough Award: Best Lending Innovation Award - Money Magazine - 8 Best Mortgage Lenders of 2025: Best for fast closing- We are Forbes’ Best Online Mortgage Lender for 2023- We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world
We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive. 
A Better Opportunity
Better is looking for a Senior Mortgage Underwriter with strong government loan experience to join our expanding team! In this role, you’ll use established underwriting guidelines to assess borrower financials and credit information alongside property valuations to guide lending decisions. As a Senior Underwriter, your responsibility will be to make informed, yet bold risk decisions based on your expertise and experience. You’ll collaborate closely with the production team throughout the loan process to ensure seamless and timely closings. This position offers a unique opportunity to take on various roles, from reimagining the complex mortgage process, analyzing data for maximum impact, to working with skilled engineers and industry experts to tackle technical and operational challenges.

Responsibilities

• Underwrite and decision FHA, VA, agency conforming, and jumbo residential mortgage loans
• Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents
• Review appraisal reports to identify and resolve any discrepancies discovered within
• Conduct thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to confirm loan eligibility
• Calculate qualifying ratios, assess creditworthiness, and provide risk assessments
• Work closely and effectively with cross-functional teams and departments on a daily basis

Qualifications

• 5+ years of recent experience underwriting FNMA, FHLMC, FHA, VA, and Non-Conforming mortgages
• Active FHA DE and VA SAR designations required
• Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)
• Ability to work well in a high pressure, fast paced environment
• Must be able to carry a pipeline of 200+ loans
• Ability to carry out requisite loan calculations (DTI, LTV, etc.)
• Proven ability to thrive in a remote setting
• Manage multiple loan files simultaneously in a high-volume setting
• Strong written and verbal communication
• The drive to build something new
• HELOC experience a plus
• Excellent attention to detail, the ability to work efficiently under pressure, and a deep understanding of loan processes are essential in this role

Company Benefits 
We are thrilled to offer all our full-time employees the following benefit offerings:
- Benefits eligibility effective DAY ONE - *$0 medical plan premium offering coverage nationwide paired with our Health Savings Account that includes an employer contribution (*Additional Medical, dental, vision plan options also all with nationwide coverage)- Flexible PTO- Immediate virtual mental health support by licensed therapists for our employees and their eligible dependents age 6 and up! First few visits at no cost to you!- Personalized care for every fertility and family care journey for our employees and their partner!  - Dependent care benefits (i.e. childcare and/or elder care costs) and commuter benefits both include a company match! - Discount programs and perks including pet Insurance! In Office Perks include:- Have Lunch on us! Daily lunch stipend for meals while in the office- Monthly social events