LBC Mortgage

Arranges mortgages and offers private property financing

Hard Money Underwriter

Retail & Commercial BankingConfirmed live in the last 24 hours

Full-timeLos Angeles, CA, USANo salary listed

About the Job

Requirements

At least 2 years of underwriting experience in hard money or private lending.
Strong understanding of fix-and-flip and bridge loan underwriting.
Ability to evaluate ARV-based deals, rehabilitation scopes, and budgets.
Strong knowledge of appraisals, title reports, insurance, and entity structures.
Ability to work in a high-volume, fast-paced environment with attention to detail.
Ability to communicate effectively and make confident decisions.

Responsibilities

Underwrite hard money and private money loans, including fix-and-flip, bridge, DSCR, cash-out, and ground-up loans.
Review loan files and borrower documentation, including credit, assets, entity documents, and income where applicable.
Analyze property details, exit strategies, deal structures, and overall risk.
Calculate and validate LTV, ARV, LTC, rehabilitation budgets, and timelines.
Review appraisals, comparable properties, and market data to confirm property value and feasibility.
Issue approvals and conditions, communicating clearly and quickly with the team.
Work with loan officers, processors, and management to move loans efficiently.
Identify red flags early and provide clear recommendations.
Ensure adherence to internal guidelines and lending policies.

Desired Qualifications

Experience underwriting DSCR and rental investment loans.
Experience with ground-up construction loans.
Familiarity with Encompass or other mortgage or loan customer relationship management systems.
Strong knowledge of investor real estate lending across multiple states.

Mortgage Underwriter

LBC Mortgage · Los Angeles, United States (Hybrid) · Full-time · Posted 2026-06-22

Workplace: hybrid

Description

About LBC Mortgage

LBC Mortgage is a Los Angeles–based mortgage company with over 20 years of industry experience. Alongside our traditional mortgage business, we operate a fast-growing Private Money / Hard Money Lending Division, focused on funding real estate investment loans with speed, accuracy, and strong risk management.

We are looking for a skilled Hard Money Underwriter who understands private lending, can underwrite deals quickly, and make confident decisions that protect the company while keeping production moving.

Responsibilities

Underwrite Hard Money / Private Money loans (Fix & Flip, Bridge, DSCR, Cash-Out, Ground-Up, etc.)
Review loan files and borrower documentation (credit, assets, entity docs, income where applicable)
Analyze property details, exit strategies, deal structure, and overall risk
Calculate and validate LTV, ARV, LTC, rehab budgets, and timelines
Review appraisals, comps, and market data to confirm property value and feasibility
Issue approvals and conditions, ensuring fast and clear communication with the team
Work closely with Loan Officers, Processors, and Management to move loans efficiently
Identify red flags early and provide clear recommendations
Ensure adherence to internal guidelines and lending policies

Requirements

2+ years of underwriting experience in Hard Money / Private Lending (required)
Strong understanding of Fix & Flip and Bridge loan underwriting
Ability to evaluate ARV-based deals, rehab scopes, and budgets
Strong knowledge of appraisals, title reports, insurance, and entity structures
Strong attention to detail and ability to work in a high-volume, fast-paced environment
Excellent communication skills and ability to make confident decisions

Preferred Qualifications

Experience underwriting DSCR and rental investment loans
Experience with Ground-Up Construction loans
Familiarity with Encompass or other mortgage/loan CRM systems
Strong knowledge of investor real estate lending across multiple states

Why Join LBC Mortgage

Established company with strong leadership and long-term stability
Growing private lending division with strong pipeline
Opportunity for career growth into Senior Underwriter / Underwriting Manager role
Competitive compensation based on experience
Remote flexibility and supportive team environment

Apply

Apply at LBC Mortgage

About the Company

LBC Mortgage

Arranges mortgages and offers private property financing

LBC Mortgage arranges purchase and refinance financing for home buyers, property owners and real estate investors. Operating as LBC Solutions, the company compares mortgage options through a network of lending partners and helps applicants prepare documents and move through closing. It works with conventional and government-backed mortgages as well as alternative-income and investment-property programs for borrowers whose needs fall outside standard bank products. The business also offers private property financing through a fund it manages, alongside its brokerage services. LBC Mortgage is headquartered in Los Angeles, California, and serves borrowers across multiple states.

Company size: 11-50
Company stage: Not listed
Total funding: Not listed
Headquarters: North Hollywood, CA
Founded: Not listed

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