Accept.inc is a new kind of lender seeking to level the playing field in real estate by changing the way homes are bought and sold. We do this by giving homebuyers who need a mortgage the ability to make cash offers, by upgrading their offers to cash offers. The best neighborhoods and school districts shouldn’t be reserved for those who have hundreds of thousands or millions in the bank. If someone can qualify for a mortgage, they can now win with a cash offer. 
 
We are looking for someone that fits with our core company values: 

• Best idea wins: We believe that the best ideas should always win out, whether they come from the CEO or the custodian. 

• Fail Smart: Success requires risk, and risk sometimes means failure. Learn quickly and keep moving. 

• Common Scoreboard: We win and lose together. 

Accept.inc is looking for someone who will be responsible for: 

• Underwrite mortgage loans according to agency and investor guidelines 

• Manually underwrite complex loans that do not meet automated underwriting guidelines o Review loan application and all supporting documentation (including, but not limited to, credit reports, tax returns, bank statements, appraisal and title) for accuracy and completeness to determine if additional documentation is required in order to make a credit decision 

• Clearly communicate credit decisions to all relevant parties 

• Provide solutions and recommend alternatives for approval 

• Assist team members in resolving any issues that may arise throughout the loan process 

Requirements 

• 3+ years of recent front-line mortgage underwriting experience (required) 

• VA LAPP/SAR (preferred) 

• Advanced knowledge of Fannie Mae, Freddie Mac and VA guidelines 

• Extensive experience utilizing DU and LPA 

• Ability to accurately analyze financial documents and calculate income from various income sources 

• Understanding of compliance and disclosure requirements 

• Must be able to multitask in a fast-paced and deadline driven environment 

• Must enjoy working within a team