Antwon Hayes

Professional Summary

Results-driven Senior Mortgage Underwriter (DE) with 20+ years of experience underwriting FHA and Conventional loans in high-volume, quality-driven environments. FHA Direct Endorser and Certified Master Mortgage Underwriter (2025) with refreshed expertise in current HUD, FNMA, and FHLMC guidelines. Proven record of sound risk analysis, audit-ready loan decisions, and collaboration with production and QC teams. Actively re-entering the mortgage industry following the market downturn and seeking a senior underwriting role where experience and judgment add immediate value.

Mortgage Industry Re-Entry & Professional Development | 2024 – Present

• Completed Master Mortgage Underwriter Certification (2025) with focus on current FHA, FNMA, and FHLMC guidelines
• Ongoing review of HUD Handbooks, Mortgagee Letters, agency updates, and investor overlays
• Conducting scenario-based underwriting reviews to maintain decision accuracy and guideline fluency
• Refreshed AUS proficiency (DU/LP) and government loan risk assessment

Master Mortgage Underwriter Certification (2025)

FHA Direct Endorser