Personal Lines Underwriter Visa Sponsorship Jobs in Texas
Personal lines underwriter visa sponsorship jobs in Texas are concentrated in Dallas-Fort Worth, Houston, and San Antonio, where carriers like Allstate, State Farm, USAA, and Farmers Insurance maintain major operations. Texas's large insured population and catastrophe-exposed coastal and storm markets drive consistent demand for underwriters who assess homeowners, auto, and specialty personal lines risk.
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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.
Personal Lines Underwriter Job Roles in Texas
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Search Personal Lines Underwriter Jobs in TexasPersonal Lines Underwriter Jobs in Texas: Frequently Asked Questions
Which companies sponsor visas for personal lines underwriters in Texas?
USAA in San Antonio, Allstate in Irving, Farmers Insurance in Austin, and State Farm in Dallas-Fort Worth are among the Texas employers with documented sponsorship history for underwriting roles. Larger regional carriers and managing general agents operating along the Gulf Coast also file LCAs for personal lines positions, particularly when filling specialized cat-exposed property underwriting roles.
Which visa types realistically fit personal lines underwriter roles in Texas?
Personal lines underwriter roles typically qualify as specialty occupations requiring a bachelor's degree in a related field such as finance, risk management, or business, making H-1B visa the most common path. Australian nationals can pursue the E-3 visa, and Chilean and Singaporean nationals may qualify under H-1B1 visa. F-1 students may work through OPT. A green card via PERM labor certification is an option for longer-term sponsorship.
Which cities in Texas have the most personal lines underwriter sponsorship jobs?
Dallas-Fort Worth leads in personal lines underwriter sponsorship activity, with a dense cluster of regional and national carriers headquartered or with major operations there. Houston follows closely, driven by its exposure to Gulf Coast property risk and large commercial-to-personal lines carriers. San Antonio is notable as the home base of USAA, one of the country's largest personal lines insurers and an active sponsor.
How to find personal lines underwriter visa sponsorship jobs in Texas?
Migrate Mate lists Texas employers with verified visa sponsorship history, searchable by role and city, so you can focus on personal lines underwriter positions at carriers already open to sponsorship. Because Texas hosts both national insurers and regional specialty carriers, filtering specifically to underwriting roles in Dallas, Houston, and San Antonio will surface the most active hiring companies without sifting through non-sponsoring postings.
Are there any Texas-specific factors that affect personal lines underwriter sponsorship?
Texas's size and catastrophe exposure create steady underwriter demand that most other states cannot match. The state's deregulated insurance market attracts numerous admitted and non-admitted carriers, expanding the pool of potential sponsors beyond the national names. USAA's San Antonio headquarters is a particularly strong pipeline for international underwriting talent, and several Texas universities with actuarial and risk management programs feed candidates into local carrier internship and sponsorship tracks.
What is the prevailing wage for sponsored personal lines 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.