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Remote Rehab Loan Underwriter

Tampa, FL

Job Title: Remote Rehab Underwriter
Location: Remote (U.S. based)
Employment Type: Full-Time | Direct Hire
Industry: Private Lending / Real Estate Investment


About the Role

We are seeking a highly skilled and detail-oriented Rehab Underwriter with proven experience underwriting true rehab loan products in the private lending or non-QM real estate investment space. This role is critical to our loan origination process and requires a deep understanding of the unique risks and nuances involved in fix-and-flip, value-add, and renovation-based investment loans.

This is a remote position for professionals who are self-motivated, deadline-driven, and comfortable working independently in a fast-paced environment.


Key Responsibilities

  • Independently underwrite fix-and-flip and rehab loans with a focus on property acquisition, construction budget, and after-repair value (ARV).
  • Analyze borrower credit, experience, liquidity, and exit strategies.
  • Review detailed scopes of work, construction budgets, and draw schedules for completeness and accuracy.
  • Assess collateral by reviewing appraisals, BPOs, and supporting market data to confirm ARV.
  • Ensure underwriting decisions meet investor guidelines, company risk tolerance, and compliance standards.
  • Coordinate with loan processors, sales, and asset management teams to ensure a smooth and timely closing process.
  • Identify and mitigate risks related to construction feasibility, borrower capacity, and market conditions.
  • Maintain detailed loan documentation and provide written rationale for all underwriting decisions.

Required Qualifications

  • Minimum 3 years of direct experience underwriting true rehab loan products in the private lending or real estate investment sector.
    Note: Experience in conventional, agency, or retail mortgage products will not be considered equivalent.
  • In-depth understanding of fix-and-flip, value-add, and construction/renovation loan structures.
  • Familiarity with underwriting rehab budgets and validating ARV using real estate market data.
  • Strong working knowledge of investor guidelines, title review, and draw processes.
  • Excellent analytical and organizational skills with acute attention to detail.
  • Proficient in loan origination and underwriting systems; ability to adapt quickly to new technologies.
  • Exceptional written and verbal communication skills.

Preferred Qualifications

  • Experience working for a private lender, hard money lender, or non-QM investment firm.
  • Exposure to both residential and small-balance commercial rehab loans.
  • Knowledge of multiple state markets and property types.
  • Previous remote underwriting experience.

Compensation & Benefits

  • Competitive base salary commensurate with experience.
  • Paid time off and company holidays.
  • Flexible remote work environment.
Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities. 

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