: Remote Mortgage Underwriter

We're one of the fastest growing homeownership companies in America. Why? Because we're making homeownership simpler, faster - and most importantly, more accessible for all Americans.

By combining smarter technology with a desire to not just change one piece of the journey but the entire makeup of what it's like to buy and own a home in this country, we're building things that don't exist yet.

  • We fund $600 million in home loans per month
  • Nearly $5 billion in loans funded since our inception in 2016
  • 2 years running, we're one of Crain's "Best Places to work"
  • We're #11 on Fortune's Best Places to Work in NYC
  • And #964 on Inc.'s 2019 "5000 Fastest-Growing Companies"
  • We've secured over $254 million from our investors to date
  • ...and counting


We continue to outpace the industry at every turn. We've recently joined forces in partnership with Ally Bank. Plus, our backers have helped build some of the most transformative tech and finance companies in history. Kleiner Perkins, Goldman Sachs, IA Ventures, American Express, Citigroup, Activant Capital, and others have all invested in our vision of redefining the entire homebuying journey.

A Better opportunity: *Work From Home Opportunities*

Better is looking for a Mortgage Loan Underwriter to join our growing team! Using established underwriting guidelines, you will evaluate borrower financial and credit information in tandem with property valuations to inform lending decisions. Our underwriters work closely with all members of the production team throughout the process to bring loans to closing, without having to speak directly to the borrower. We are looking for Underwriters who think outside of the box. When looking at a file we want to make guidelines fit the borrower, not the borrowers fit the guidelines.

As an Underwriter at Better.com, you will be working with the only end to end digital platform in the mortgage industry. Our platform has allowed us to automate 80% of the mortgage process. What does this mean for Underwriters? This means you will spend less time working in a broken process and more time providing the best services for our borrowers.

Beyond producing high quality loans, our goal is to build a product that will ultimately reduce the cost of homeownership in America. With offices in New York, Oakland, Gurgaon, Charlotte and Orange County, we are quickly expanding in order to deliver a delightful borrower experience through a combination of technology and people.

Our employee's experience is important to us which is why we have unlimited PTO and the ability for Underwriters to work from home as well as 100% remote positions.

Responsibilities will include:

  • Underwrite and decision residential agency conforming, jumbo and FHA 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
  • Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
  • Calculate qualifying ratios, determine creditworthiness; provide risk opinions


About You:

  • 5+ years of experience underwriting FNMA, FHLMC, and Non-Conforming mortgages
  • Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)
  • Categorical understanding of the mortgage lending process
  • Ability to carry out requisite loan calculations (DTI, LTV, etc.)
  • Capable of preparing findings reports
  • Ability to handle multiple files simultaneously
  • Strong written and verbal communication
  • Perform well in team environments
  • The drive to build something new
  • Management experience a plus
  • Hiring from eligible states: AZ, CA, CO, FL, GA, HI, IL, MO, NV, NY, NC, OR, WA, UT, MI, TX


Things we value:

  • Curiosity. Why? How? Repeat.
  • Nerdiness. Financial news and trends are fascinating. Seriously.
  • Relentlessness. No one here gives up. We try. We fail. We try again.
  • Passion. If you don't get excited about homeownership, mortgages, and real estate, it simply won't work.
  • Smarts: book and street. We have to use all the tools at our disposal to build Better.
  • Empathy and Compassion. You understand that people's biggest dreams are in your hands.
  • Communication. Can you ask for help or put your hand up when you don't understand?
  • Building. Doing. Making. Yes, we have to do a lot of thinking and talking to figure this stuff out, but you can't wait to leave the conversation and build it.



#LI-Remote

Full-time