OUR MISSION

First and foremost, Certainty Home Lending is about people. We’re about doing whatever it takes to find the right home mortgage for you. We are about personal attention, about simplifying the process through our expertise and transparency. Because in an industry where many of the products stay the same, it is the team of individuals helping you and the service they provide that make the difference.

OUR HISTORY

Certainty Home Lending has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology. This is what we love to do! We truly believe that owning a home is one of the most important things we can help someone achieve.

Our core belief is that our Certainty team members are our #1 asset. We never want to lose sight of the importance of our team members or of our core values: integrity, quality, teamwork, and customer service. We are here to ensure confidence.

We are part of the Guaranteed Rate family of companies. This gives us the unique opportunity to utilize some of the best resources and tech in the industry, yet provide localized services tailored to our customer’s needs. Being a part of this organization also provides us with the financial backing to remain stable and secure, even in uncertain of times. This gives the competitive advantage to offer our customers.

• Confidence and peace-of-mind during their home financing journey.
• A simplified and efficient mortgage process that puts them at the center of everything.

Salary Range: 110 to 130k plus per file bonus

What's the Role?

We are currently seeking a hard-working, dedicated Senior Underwriter to join our innovative and passionate team. This is an opportunity for an experienced underwriter who thrives in an autonomous environment where expertise is trusted, decisions are respected, and production is not slowed by unnecessary layers of review. Our underwriters are empowered to make sound lending decisions without micromanagement or routine second-level underwriting reviews.

Responsibilities

• Underwrite residential mortgage loans while ensuring compliance with company, agency, investor, and regulatory guidelines.
• Review loan documentation for accuracy, completeness, and eligibility while working closely with loan originators and operations staff to obtain all required documentation.
• Underwrite a variety of loan products, including Conventional, FHA, VA, USDA/RD, Jumbo, and other agency and non-agency loan programs.
• Review and analyze credit, income, asset, collateral, title, and appraisal documentation to determine overall loan quality and eligibility.
• Exercise sound underwriting judgment and decision-making authority, including the ability to suspend, withdraw, or decline loans when necessary.
• Evaluate and document loan exceptions within delegated authority levels.
• Respond to internal, investor, and agency audits as needed.
• Maintain productivity and quality standards while managing an underwriting pipeline independently.
• Partner with production and operations teams to facilitate timely loan decisions and exceptional customer service.
• Includes all levels of underwriting authority and exception review responsibilities.

Requirements

• 7+ years of mortgage underwriting experience.
• 5+ years of recent experience underwriting Conventional, FHA, VA, and USDA/RD loans.
• Current and active SAR and/or DE certification preferred.
• Experience underwriting to multiple lender, investor, and agency guidelines.
• Strong knowledge of Fannie Mae DU and Freddie Mac LPA automated underwriting systems.
• Ability to critically analyze credit, income, asset, title, and appraisal documentation.
• Jumbo underwriting experience strongly preferred.
• Non-QM underwriting experience is a plus.
• Encompass and GUS experience preferred.
• Demonstrated ability to make independent underwriting decisions with confidence and consistency.
• Strong organizational, analytical, and communication skills.
• Ability to thrive in a high-performance environment that values accountability, trust, and autonomy.

What Sets This Opportunity Apart:

• No micromanagement—your experience and judgment are trusted.
• No routine second-level underwriting reviews.
• Empowered decision-making authority.
• Collaborative and supportive team environment.
• Opportunity to make a meaningful impact within a growing and innovative organization.

Certainty Home Lending is an equal opportunity employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.