Mortgage Underwriter Visa Sponsorship Jobs in Texas
Mortgage underwriter visa sponsorship jobs in Texas are concentrated in Dallas-Fort Worth, Houston, and Austin, where major lenders like Wells Fargo, JPMorgan Chase, and Pennymac maintain large operations. Texas's active housing market and headquarters presence of national mortgage servicers create steady demand for underwriters with foreign-national backgrounds seeking H-1B visa or green card sponsorship.
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Get Access To All JobsINTRODUCTION
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
ROLE AND RESPONSIBILITIES
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal – Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed.
- All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
BASIC QUALIFICATIONS
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation
- Experience with Microsoft applications and Internet navigation
PREFERRED QUALIFICATIONS
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS
- Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
INTRODUCTION
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
ROLE AND RESPONSIBILITIES
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal – Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed.
- All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
BASIC QUALIFICATIONS
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation
- Experience with Microsoft applications and Internet navigation
PREFERRED QUALIFICATIONS
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS
- Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
Mortgage Underwriter Job Roles in Texas
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Search Mortgage Underwriter Jobs in TexasMortgage Underwriter Jobs in Texas: Frequently Asked Questions
Which companies sponsor visas for mortgage underwriters in Texas?
Large national lenders and mortgage servicers with significant Texas operations are the most active sponsors for mortgage underwriter roles. These include Wells Fargo, JPMorgan Chase, Pennymac, Mr. Cooper (headquartered in Coppell), and Caliber Home Loans. These employers have established H-1B and PERM labor certification filing histories, though sponsorship decisions depend on the specific role, office location, and the candidate's qualifications.
Which visa types realistically fit mortgage underwriter roles in Texas?
Mortgage underwriting is a specialty occupation requiring a bachelor's degree in finance, business, or a related field, making it eligible for H-1B sponsorship. Canadian and Mexican nationals do not qualify under TN visa, as mortgage underwriter is not a USMCA profession. Australian nationals may qualify for the E-3 visa. Employers sponsoring permanent residence typically use the EB-2 or EB-3 employment-based green card categories through PERM labor certification. F-1 students may work under OPT while seeking employer sponsorship.
Which cities in Texas have the most mortgage underwriter sponsorship jobs?
Dallas-Fort Worth leads the state, anchored by the headquarters of Mr. Cooper and Caliber Home Loans in the Metroplex, along with major offices for Wells Fargo and JPMorgan Chase. Houston is the second-largest market, driven by its large population and active real estate activity. Austin has seen growing demand as its housing market expanded significantly over recent years. San Antonio also has a consistent base of underwriting positions tied to regional lenders and credit unions.
How to find mortgage underwriter visa sponsorship jobs in Texas?
Migrate Mate is the recommended starting point for mortgage underwriter visa sponsorship jobs in Texas. The platform lists employers with verified sponsorship filing histories, so you can focus on companies that have already sponsored similar roles rather than applying broadly. You can search specifically by role and location across the Dallas-Fort Worth, Houston, and Austin markets to identify active sponsors in the Texas mortgage industry.
Are there any Texas-specific factors that affect visa sponsorship for mortgage underwriters?
Texas has no state income tax, which makes it attractive to both employers and candidates, supporting stronger hiring activity overall. The state's high volume of residential mortgage transactions sustains consistent demand for underwriters, particularly in DFW and Houston. Additionally, Texas is home to several mortgage servicer headquarters, meaning more sponsoring employers are making local hiring decisions rather than routing approvals through out-of-state corporate offices, which can simplify the sponsorship process.
What is the prevailing wage for sponsored mortgage underwriter jobs in Texas?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.