Jumbo Underwriter - Remote

Underwriting Sacramento, California


Local and Remote Opportunities available!  Attractive Signing Bonus!
Sr Underwriter - Jumbo/Non Conforming 

Local and non local candidates experienced with working remote are encouraged to apply!   Candidates located in the Pacific Standard Time Zone preferred. 

Who we are:

Summit Funding is a privately-owned, national mortgage company that has been in business for over 25 years. We are not the biggest, but we strive to be the best. We are proud to play a part in making the dream of home ownership a reality. Our growth mindset, positive culture, and history of stability are just a few things that position our company as a leader in the mortgage industry.

Click here to view a video featuring Todd Scrima, our founder and CEO, where he discusses how we have been able to maintain this stability over our 25-year history.

Summit Stability

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What we have available:

The Underwriter position is very essential to building a successful mortgage team.  The primary focus is to exceed our client’s expectations and deliver exceptional service.  This position is crucial in the development of strong, lasting client relationships by delivering timely, accurate and detailed underwriting decisions. Representing our company in a positive, professional and compassionate manner is essential. 

Want to hear more?  Click here to view a video by our CEO, Todd Scrima about this opportunity

Becoming an Underwriter

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Why come to Summit?

  • Small Pod Structure! You will be part of a small team providing support to your specific branches.
  • Relationship based! Because of the Pod structure you don’t work with everyone all the time, you get to know and work with the same branches, Loan Officers, Processors, Underwriters and Closers. 
  • Continue to grow your skill set and career!  We offer opportunities for advancement in every role.
  • Stability! Because Summit Funding is a privately owned, purchase focused mortgage lender we have maintained stable, conservative and consistent growth year over year.  We don’t do mass hiring and then mass reduction in our workforce when the rates fluctuate. 



What you would be doing:


  • Underwrite an average of 2.5 new loans per day. 
  • Meet posted Underwriting turn times. 
  • Review Conditions within stated turn time for file.
  • Review Resubmissions within posted turn times for conditions or new loan submission depending on reason for resubmission.
  • Review Funding Conditions as they are presented, same day and within sufficient time to accommodate funding.
  • Run or re-run AUS as necessary to complete underwriting review.
  • Complete Underwriting checklist in every file reviewed. 
  • Update Encompass accurately throughout the day to reflect the current disposition and decision date.
  • Present Conditions in a clear, specific and uncomplicated format  limited to items relating to the underwriting approval only.  
  • Review all files considered for decline with the Operations Manager before the final decision is generated.   

What we need from you:


  • Minimum of 5 years of Underwriting experience with jumbo/non conforming loan products.
  • The Underwriter must have a comprehensive knowledge of Conventional loan program guidelines and have a thorough understanding of automated underwriting engines.
  • Special care to review cash, income, credit and property issues must be taken. 
  • The Underwriter must be able and willing to train, coach and support staff as needed to enable them to provide complete, accurate and acceptable loan files for approval consideration.
  • High level of proficiency with mortgage loan processing and underwriting systems.
  • Excellent written and oral communication skills.

What we offer you:

  • Opportunity to further a career in a competitive, fast paced growing industry where you can make a difference in people’s lives.
  • Unlimited earning potential based on performance.
  • Full benefits including medical, dental, vision, 401K plus match, 10 paid holidays, paid time off and more.
  • Fun team atmosphere, professional development and more.



Summit Funding, Inc. (NMLS #3199) is a full service mortgage lender offering expertise in every area of residential mortgage lending; including purchases, refinancing and construction lending. We have built a strong reputation as an outstanding mortgage firm that serves the lending needs of real estate professionals, builders and individual home buyers throughout the Country. We pride ourselves on our positive culture at Summit Funding, and we know that our diligence in hiring only the best candidates is largely responsible for this culture. Summit Funding has approximately 85 Branch and Satellite Offices in 20+ States and a workforce of over 1,000 Team Members. Compensation for this position will depend on experience. Summit Funding offers a complete compensation package including Medical/Dental/Vision insurance, 401K, Paid Time Off, Flex Spending, Etc. Please do not contact our office for additional information and please do not apply unless you meet ALL the minimum qualifications above. Summit Funding is an Equal Employment Opportunity Employer.