HomeXpress Mortgage Corp · 20 hours ago
Appraisal Underwriter
Santa Ana, CA
Full-time
Onsite
Mid Level
3+ years expHomeXpress Mortgage Corp is a leading Non-QM mortgage lender known for closing loans with speed and convenience. The Appraisal Underwriter is responsible for the independent review of residential real estate appraisals, ensuring accurate valuations and safeguarding against fraud while supporting lending decisions with data-driven analysis.
FinanceFinancial Services
Responsibilities
Performs comprehensive reviews of residential appraisal reports to assess the reasonableness and supportability of concluded values
Evaluates the appropriateness of comparable selection, adjustments, and reconciliation, identifying unsupported data or methodological weaknesses
Evaluates market trends, neighborhood influences, and specific property characteristics impacting value
Identifies red flags indicative of appraisal fraud, inflation, or manipulation, including comparable stacking and collusion indicators
Analyzes transaction-level risk factors, including investor properties, DSCR, cash-out refinances, and layered risk scenarios
Provides clear, well-documented value conclusions and recommendations to support loan-level credit decisions
Articulates appraisal concerns, conditions, and reconsideration requests in a concise, defensible manner to relevant partners
Partners with underwriting teams to ensure consistent valuation standards across the department
Applies internal appraisal review standards and contributes feedback for the enhancement of valuation policies
Supports post-close quality control, audits, and regulatory exams related to valuation risk
Assists in identifying systemic risks, emerging market trends, or specific appraiser performance issues
Qualification
Required
Minimum of 3 years of appraisal review, underwriting, or valuation risk experience
Direct experience within a Non-QM lending environment
Strong understanding of residential appraisal methodologies, fraud schemes, and market analysis across multiple property types (SFR, condos, 2–4 units)
Preferred
Bachelor's degree in finance, Business, or related field from a reputable, accredited university
Experience with AVMs, desk reviews, or enhanced valuation analytics
Company
HomeXpress Mortgage Corp
HomeXpress Mortgage Corp is a fast growing, service-oriented wholesale lender in the Non-QM mortgage market.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
unknown2025-06-11Acquired
Leadership Team
K
Kyle Walker
President/CEO
Recent News
Business Wire
2025-03-27
2023-12-25
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