Mortgage Underwriter Jobs in USA with Visa Sponsorship
Mortgage underwriter roles qualify as H-1B visa specialty occupations when the position requires a finance, economics, or business degree. Banks, credit unions, and non-bank lenders sponsor underwriters, though filings concentrate in states with active mortgage markets. Expect LCA prevailing-wage tiers to reflect regional cost-of-living differences significantly.
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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.
See all 446+ Mortgage Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Underwriter roles.
Get Access To All JobsTips for Finding Mortgage Underwriter Jobs
Verify your degree field matches underwriting
H-1B specialty occupation requires a directly related degree, so a finance, economics, accounting, or business administration credential strengthens your petition. A general arts degree, even with years of underwriting experience, creates RFE risk that a matched degree avoids.
Target lenders with active LCA filing history
Use Migrate Mate to identify banks and mortgage companies with verified H-1B LCA filings for underwriter roles. Direct lenders and large regional banks file far more consistently than broker shops, which rarely have the HR infrastructure to manage sponsorship.
Get your NMLS license before the offer stage
Most underwriter roles require a Nationwide Multistate Licensing System registration. Obtaining your NMLS record number before interviews signals you're hire-ready and removes a common employer hesitation around sponsoring candidates who still need state licensing approvals.
Understand the LCA prevailing-wage tier for your metro
DOL sets four wage levels for each occupation and metro area. Use the OFLC Wage Search to look up the Level II or III wage for mortgage underwriters in your target city before negotiations, so your offered compensation meets the certified LCA threshold.
Ask employers about PERM eligibility from day one
Some lenders will sponsor an H-1B but won't commit to PERM labor certification for a green card. Ask directly during the offer stage whether the company has run PERM previously and whether sponsorship extends beyond the initial H-1B period.
Prepare a compliant remote-work LCA addendum early
Underwriters frequently work remotely or across multiple states. USCIS requires a separate LCA for each worksite location. Confirm with your employer that the LCA covers your actual work location before filing, since a mismatched worksite is a common compliance failure.
Frequently Asked Questions
Does a mortgage underwriter role qualify as an H-1B specialty occupation?
Yes, provided the employer requires a bachelor's degree or higher in a directly related field such as finance, economics, accounting, or business administration. If the job posting says a degree is preferred but not required, or accepts any bachelor's degree regardless of field, USCIS may issue an RFE challenging specialty occupation status. Employers who consistently hire degreed underwriters and document that requirement in the job description have stronger petitions.
Which visa types realistically cover mortgage underwriter sponsorship?
H-1B is the primary path for most nationalities. Australian citizens can use the E-3 visa, which has no lottery and renews indefinitely in two-year increments. Canadian and Mexican nationals may qualify under TN visa if the role fits a qualifying USMCA profession, though underwriting is a tighter fit than accounting. For long-term U.S. residence, an EB-2 or EB-3 green card through PERM labor certification is the standard employer-sponsored route.
How do I find mortgage lenders that sponsor underwriters?
Migrate Mate lists employers with verified sponsorship history for financial services roles, including mortgage underwriting positions, searchable by location. Large banks and direct lenders file far more consistently than correspondent lenders or broker-only shops, so filtering by employer type narrows your search to realistic sponsors quickly.
Does a remote underwriter role create LCA compliance problems?
It can. USCIS requires the Labor Condition Application to list the specific worksite where the employee will work. If you're underwriting loans from home in a different city or state than the employer's LCA covers, the employer must file a separate certified LCA for that location before you start work there. This is a frequent compliance gap in remote-first lending operations, so confirm your employer's process before accepting an offer.
Is an NMLS license required before an employer will sponsor me?
Most employers expect candidates to hold or quickly obtain an NMLS Unique Identifier before or shortly after hiring. Some states also require a state-level mortgage license in addition to federal NMLS registration. Sponsoring an applicant who isn't yet licensed adds delay and cost to onboarding, so having your NMLS record established before the interview stage meaningfully increases your chances of receiving a sponsorship offer.
What is the prevailing wage requirement for sponsored Mortgage Underwriter jobs?
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.