About Homeward

Buying a home should be an exciting milestone. But all too often, it’s stressful, especially in a competitive market or when you’re buying and selling at the same time. So we’ve redesigned the homebuying experience. We’re a fast-paced real estate startup that empowers agents to help homebuyers and sellers in a variety of markets to buy with cash, sell with certainty, or just make it all much more convenient. We offer bundled services across offers, Mortgage, and Title, all in an effort to make homebuying more seamless.

Founder and CEO Tim Heyl, a 10-year industry veteran and owner of one of the fastest-growing agent teams in the country, started Homeward in 2018. In fact, he bought our first customer’s home with his own life savings. Today we offer four services -- Buy with Cash, Buy Before You Sell, Sell Before You List, and Backed by Cash, in the 7 states we serve -- Texas, Georgia, Florida, Colorado, Arizona, Oregon, and Washington.

We’ve raised more than $160MM in equity capital from top-tier venture investors, including Norwest, Blackstone, Adams Street, Javelin, LiveOak, and Breyer Capital. Our leadership team includes experts from the real estate, mortgage, and technology industries.

About the opportunity

The Homeward Mortgage Team is central to Homeward’s operation, responsible for conducting the financial review and approval of every customer that works with Homeward and processing and closing every loan secured with Homeward Mortgage. We’re focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are looking for residential Mortgage subject matter experts and smart, flexible people that can easily adapt to a new way of doing things.

We’re looking for a Fulfillment Underwriter to join our growing Underwriting team. Our Fulfillment Underwriting team is responsible for ensuring all Homeward Mortgage originated loans have strong approval, meeting Homeward’s and our investor guidelines, ensuring the certainty of a close. This team collaborates directly with our Mortgage Sales and Operations team to ensure we communicate conditions clearly and expertly, and show great intent to make the deal work every time we can, through creative solutioning and structuring. We are looking for team members who are collaborative, motivated and creative. You must have front line Underwriting experience as well as experience working with multiple Investors.

Responsibilities will include:

• Validate the accuracy of all calculations and update data in LOS to ensure data integrity in the AUS response.
• Evaluate the credit package to ensure an investment quality loan product. Analyze borrower’s credit capacity through in-depth review of income and asset documentation, including self-employed borrower income calculations. Calculate housing and debt ratios measuring applicant liquidity, asset concentrations and leverage.
• Review and approve third party purchase contract/addendums, title report, escrow instructions, environmental report, and other legal documentation.
• Work with team members (Processors, Closers and Loan Officers) to identify potential solutions/alternatives for difficult/denied loan files.
• Ensure timely escalation to the Underwriting Manager/Director for review of any/all loan level challenges.
• Meet turn time expectations and SLAs for review
• Maintain current knowledge of secondary market guidelines
• Manage a daily pipeline and ensure service expectations and company mandated turn times are met

About you:

• 3+ years of experience underwriting FNMA, FHLMC
• FHA and VA designations also a plus
• Advanced knowledge of Desktop Underwriter (DU) and purchase mortgage underwriting
• Loan Origination Software experience required, Encompass preferred
• Strong written and verbal communication skills
• Ability to thrive in a fast-paced, high production environment

Pay and Benefits:

Our Values

THE GOLDEN RULE

Whether we’re dealing with colleagues or customers, we follow The Golden Rule, treating others the way we want to be treated. It’s a simple rule, but it’s also significant: we don’t prioritize money or growth over people, and we practice empathy at every opportunity.

CALM FOCUS

We work in tech and build solutions for real estate. Both are fast-paced and stressful industries. So it’s important that we focus on the larger objective rather than rushing from one task to the next. If something is out of scope, we say “No.” If something feels rushed, we pump the brakes. This calm focus helps us create solutions our customers love.

ONE TEAM, ONE DREAM

Big problems require big solutions. We look at our customers’ experience holistically, and recognize that solving them requires collaboration across teams. This approach extends to cooperation among our three affiliate companies — Homeward, Homeward Mortgage and Homeward Title — and produces a more integrated homebuying experience.