Job description
Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible. Here are some interesting facts to help you get to know Better:
- We’ve funded over $100 billion in loans for our customers, more than any other fintech
- Yahoo! Finance - Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approval
- Yahoo! Finance - Best Mortgage Lenders of 2025: Best online mortgage lender
- Fintech Breakthrough Award: Best Lending Innovation Award
- Money Magazine - 8 Best Mortgage Lenders of 2025: Best for fast closing
- We are Forbes’ Best Online Mortgage Lender for 2023
- We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world
We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.
About NEO Home Loans
NEO Home Loans, a community-based retail division of Better, is dedicated to redefining the homeownership experience with trust, innovation, and exceptional service. Our mission is to unlock people’s full financial potential by providing clarity, transparency, and consistency throughout the loan process. We make lending approachable, guiding individuals toward decisions that serve their best interests. Powered by a team of passionate and hardworking professionals, we foster a culture of collaboration, innovation, and personal growth. Join us and be part of a dynamic company committed to excellence.
The Mortgage Underwriter is responsible for evaluating and assessing loan applications to determine borrower creditworthiness and compliance with company and investor guidelines. This role involves detailed analysis of financial documents, credit reports, and property appraisals to ensure sound lending decisions and mitigate risk.
Essential Job Duties and Responsibilities
- Review and analyze mortgage loan applications for completeness, accuracy, and compliance with underwriting standards (e.g., Fannie Mae, Freddie Mac, FHA, VA, and company-specific guidelines).
- Evaluate borrower income, assets, credit history, and collateral to determine loan eligibility.
- Review supporting documentation including tax returns, W-2s, pay stubs, bank statements, and credit reports.
- Ensure all loans meet internal and regulatory requirements (e.g., RESPA, TILA, HMDA).
- Issue conditional approvals, suspensions, or denials with clear, detailed explanations.
- Collaborate with loan officers, processors, and closers to obtain required documentation and resolve issues.
- Maintain knowledge of current underwriting guidelines, mortgage products, and investor requirements.
- Manage a pipeline of loans efficiently to meet service level agreements and closing deadlines.
- Participate in ongoing training and audits to ensure compliance and accuracy.
Non-Essential Job Duties and Responsibilities
- Adopts NEOs values in work behavior, decision making, contributions and interpersonal interactions.
- Promotes interdepartmental communication and culture.
- Lead, develop and motivate the team across all locations and operational functions.
- Continued focus to ensure all families (Internal and External) are receiving the best possible service
Qualifications and Skills
- 2–5 years of mortgage underwriting experience (conventional, FHA, VA, or jumbo).
- DE/SAR/LAPP certification preferred for government loan programs.
- Strong analytical and decision-making skills with attention to detail.
- Excellent written and verbal communication abilities.
- Ability to work independently in a fast-paced environment with strict deadlines.
Company Benefits
Our total rewards package consists of an hourly wage and a curated benefits plan. We are thrilled to offer all our full-time employees the following benefit offerings:
- Benefits eligibility effective DAY ONE
- *$0 medical plan premium offering coverage nationwidepaired with our Health Savings Account that includes an employer contribution (*Additional Medical, dental, vision plan options also all with nationwide coverage)
- Flexible PTO
- Immediate virtual mental health support by licensed therapists for our employees and their eligible dependents age 6 and up! First few visits at no cost to you!
- Personalized care for every fertility and family care journey for our employees and their partner!
- Dependent care benefits (i.e. childcare and/or elder care costs) and commuter benefits both include a company match!
- Discount programs and perks including pet Insurance!
The compensation offered for this role will be based on multiple factors such as location, the role’s scope and complexity, and the candidate’s experience and expertise, and may vary from the range provided.
Disclaimer
Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.
We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
