Zillow, Inc. is hiring a Mortgage Loan Underwriter

About the team Our Underwriting team is pivotal in delivering a superior borrower experience. We are experienced mortgage professionals who integrate precision, integrity, and teamwork to ensure every loan meets rigorous quality and compliance standards. As part of the Operations organization, we collaborate closely with Processing, Funding, Quality Control, and Risk to deliver sound, marketable loans that simplify and enhance home financing transparency for customers. We operate in a dynamic, high-volume environment where independent judgment and meticulous attention to detail are crucial. Each team member contributes to maintaining our reputation for accuracy and reliability while supporting a culture of continuous learning and professional development. Our underwriters are trusted decision-makers who bring extensive product knowledge, certification-level expertise, and a commitment to ethical practices for both borrowers and the business. If you're passionate about quality, excel with complex loan scenarios, and want to work alongside industry leaders who value expertise, you'll thrive on our Underwriting team. About the role The Underwriter's role is to conduct comprehensive analysis of mortgage loan files, ensuring compliance with agency, organizational, and investor guidelines to guarantee loan salability. Additional responsibilities include: ● Review resubmitted files and documents ● Make and issue independent and compliant loan decisions ● Enter information into Encompass LOS to document and validate the file ● Maintain company service level and turn-time standards ● Maintain confidentiality with private and sensitive information ● Respond to audits and post-closing issues on time ● Maintain working and specific knowledge of agency and investor guidelines and policies and regulatory and market changes ● Collaborate with processing staff on underwriting deficiencies and calculation errors and loan processors regarding acceptable credit documentation This role has been categorized as a Remote position. "Remote" employees do not have a permanent corporate office workplace and, instead, work from a physical location of their choice, which must be identified to the Company. U.S. employees may live in any of the 50 United States, with limited exceptions. [Rest of the job description continues in the same paraphrased manner, maintaining original structure and content] Who you are Candidates with active underwriting certifications (FHA DE and/or VA LAPP/SAR) are highly preferred and will receive strong consideration. ● A minimum of 5+ years of recent residential mortgage underwriting experience ● 6+ years mortgage industry experience ● Ability to Underwrite mortgage loan files for agency compliance and investor guidelines ● Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals ● Ability to manage a large pipeline and effectively handle pressure and tight deadlines ● Strong analytical decision-making, problem-solving, prioritization of workload ● Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards ● Strong verbal and written communication skills and able to develop and maintain professional relationships with peers and management ● Certifications highly preferred (FHA-CHUMS; VA-LAPP/SAR) ● Experience underwriting Jumbo loans preferred ● Experience with recent manual underwriting ● Experience in a medium to large size nonbank lender preferred ● Encompass experience preferred Get to know us We're reimagining how people move—through the real estate market and through their careers. As the most-visited real estate platform, we help customers navigate buying, selling, financing and renting with greater ease and confidence. We are honored to be recognized among the best workplaces in the country, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow. No matter where you sit in the organization, your work will help drive innovation, support our customers, and move the industry—and your career—forward, together. We are an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable state and local law.