Top-Tier Underwriters at Competitive 1099 Rates
Contract Mortgage Underwriting
Our underwriters work as an extension of your team—using your systems, your processes, and your credit culture. You gain the flexibility to increase or decrease underwriting capacity as volume fluctuates.
Benefits:
- Conforming and Non-Conforming Loan Originations
- Modifications and Assumptions: UW for Servicing
- Rapid onboarding (as little as 72 hours)
- All underwriters are U.S.-based and fully experienced
- Remote or onsite options
- No employee overhead, benefits, or training costs
- Seamless compliance and data security protocols
Whether you need a few underwriters or a full team, Full Service Consulting delivers high-quality work that helps you close more loans, faster.
Positioned for the Refi & Purchase Boom Ahead
Interest rates have begun to fall and are expected to continue declining over the next year. After several years of contraction, lenders will soon face renewed demand for both purchase and refinance loans.
Companies that prepare early, with a flexible, scalable underwriting workforce enhance market share, profits, and pull-through.
Seasoned Underwriters Available Now
Our Expertise
When mortgage volume surges, hiring qualified underwriters fast can make or break your pipeline. Full-Service Consulting helps Lenders and Servicers scale quickly—with experienced, U.S.-based contract underwriters ready to work.
Full-Service Consulting helps lenders scale quickly—with experienced, U.S.-based contract underwriters ready to work.
· Experienced talent — all senior-level underwriters with proven track records
· Fast scalability — add capacity in days, not months
· Low overhead — flexible 1099 model without long-term W-2 costs
About
Bob Penland
Angie Penland
Angie Penland
Former senior operations executive at The Associates, Countrywide Mortgage and Fremont Investment & Loans as well as Sr. Executive consulting roles at Chase, Bank of America, Citi, Fannie Mae and others. These assignments included large-scale mortgage operations tied to (Originations, Servicing, Risk Management, Warehouse lending and Compliance).
Angie Penland
Angie Penland
Angie Penland
30+ year financial services manager focused on Originations and Servicing including The Associates, Centex Home Equity, America's Money Line, and Sr. consulting roles with Saxon, Chase, Bank of America, Nationstar and others.
Mike Meyer
Angie Penland
Mike Meyer
Former CMO at Associates First Capital, where he helped expand the company’s mortgage portfolio from $800 million to over $32 billion. Mike also brings hands-on mortgage origination and operational experience, blending marketing, finance, and execution expertise to help lenders scale efficiently.