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Contract Fannie Mae Contractor Jobs (NOW HIRING)

Panorama Mortgage Group LLC

Processor

Strasburg, OH · On-site

$35K - $48K/yr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines * Knowledge of general federal and state ...

V-CENTRIX-US LLC

Sr Data Modeler

Mclean, VA · On-site

Contract What We're Looking For * Core, hands-on experience in enterprise data modeling with data ... Experience supporting Freddie Mac or Fannie Mae is highly preferred. * Strong proficiency in SQL ...

512 Financial

Mortgage Loan Closer

Houston, TX · On-site +1

$50K - $65K/yr

Ensure pre-closing documents (contracts, hazard insurance, etc.) meet all required guidelines ... Strong working knowledge of Fannie Mae, Freddie Mac, and government lending guidelines. * Excellent ...

Panorama Mortgage Group LLC

Processor

Phoenix, AZ · On-site

$37K - $51K/yr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines * Knowledge of general federal and state ...

VyStar Credit Unions

$70 - $90/hr

... Fannie Mae and Freddie Mac), FHA, VA, equity, construction-to-perm, renovation-to-perm, and ... Disclaimers and Work Environment Nothing in this position description is an implied contract for ...

Mindlance

Mortgage Underwriter

Richmond, VA · On-site

Richmond, VA | 100% Onsite Duration: 15-Month Contract Shift: 10:00 AM-7:00 PM or 10:30 AM-7:00 PM ... Empower, Encompass, DU, LP/LPA, Fannie Mae, Freddie Mac, Correspondent Lending, Salesforce ...

Panorama Mortgage Group LLC

Processor

Phoenix, AZ · On-site

$37K - $51K/yr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines * Knowledge of general federal and state ...

512Financial

Mortgage Loan Closer

Houston, TX · Remote

$50K - $65K/yr

Ensure pre-closing documents (contracts, hazard insurance, etc.) meet all required guidelines ... Strong working knowledge of Fannie Mae, Freddie Mac, and government lending guidelines. * Excellent ...

Panorama Mortgage Group LLC

Processor

Phoenix, AZ · On-site

$19.23 - $24.04/hr

Loans are to be processed to meet purchase contract deadlines and rate lock expiration dates ... Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines * Knowledge of general federal and state ...

512Financial

Mortgage Loan Closer

Houston, TX · Remote

Review purchase contracts, hazard insurance, title work, and other required documentation prior to ... Experience using Fannie Mae Uniform Closing Dataset (UCD) and Freddie Mac Loan Closing Advisor.

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Contract Fannie Mae Contractor information

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$41K

$106K

$139K

How much do contract fannie mae contractor jobs pay per year?

As of Sep 6, 2026, the average yearly pay for contract fannie mae contractor in the United States is $106,034.00, according to ZipRecruiter salary data. Most workers in this role earn between $89,000.00 and $119,000.00 per year, depending on experience, location, and employer.

What is a contract Fannie Mae contractor?

A Contract Fannie Mae Contractor is an individual or company hired on a contractual basis to provide specific services to Fannie Mae, typically in areas like property management, maintenance, inspection, or technical support. These contractors are not direct employees but work under agreed-upon terms for a set period or project. The work often involves ensuring properties owned or financed by Fannie Mae are maintained to required standards or providing specialized expertise. Contract positions can be found through staffing agencies or direct solicitations from Fannie Mae. Contractors must comply with Fannie Mae’s guidelines, standards, and background check requirements.

What are the key skills and qualifications needed to thrive as a contract Fannie Mae contractor?

To thrive as a Contract Fannie Mae Contractor, you need a strong grasp of mortgage industry regulations, underwriting guidelines, and relevant financial analysis, usually supported by experience in real estate or mortgage banking. Proficiency with Fannie Mae's Desktop Underwriter (DU), loan origination systems, and compliance software is typically required. Attention to detail, strong organizational skills, and the ability to communicate complex information clearly make candidates stand out. These abilities are crucial for ensuring accurate loan processing, maintaining regulatory compliance, and supporting efficient collaboration with lenders and stakeholders.

What are some common challenges faced by contract Fannie Mae contractors when working with multiple stakeholders?

Contract Fannie Mae Contractors often collaborate with diverse stakeholders, including internal teams, external vendors, and client representatives. One common challenge is aligning differing priorities and expectations while adhering to Fannie Mae's compliance standards and project timelines. Effective communication and adaptability are crucial for managing these dynamics, as contractors must frequently clarify requirements, resolve conflicts, and ensure that deliverables meet both contractual obligations and Fannie Mae's specific guidelines.

What is the difference between Contract Fannie Mae Contractor vs Contract Freddie Mac Contractor?

AspectContract Fannie Mae ContractorContract Freddie Mac Contractor
CredentialsTypically requires mortgage, finance, or real estate certificationsSimilar credentials, often including mortgage or real estate licenses
Work EnvironmentWorks on Fannie Mae loan and mortgage projects, often in financial institutionsHandles Freddie Mac loan and mortgage processes, in similar financial settings
Employer & Industry UsageEmployed by lenders, mortgage banks, or contractors working with Fannie MaeEmployed by similar entities working with Freddie Mac

Both roles involve working within the secondary mortgage market, focusing on loan quality, compliance, and underwriting. The main difference lies in the specific agency they support—Fannie Mae or Freddie Mac—each with slightly different guidelines and processes. Candidates should consider the agency they prefer to work with or have experience in.

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Contract Fannie Mae Contractor jobs near you
Infographic showing various Contract Fannie Mae Contractor job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 8% Part Time, and 19% Contract. Highlights an 88% Physical, 1% Hybrid, and 11% Remote job distribution, with an average salary of $106,034 per year, or $51 per hour.

Residential Mortgage Loan Underwriter (Contract)

JazzX AI

Los Altos, CA • Remote

Part-time

Re-posted 2 days ago

Key responsibilities

  • Assess and underwrite a variety of residential mortgage loan files according to Fannie Mae DU and Freddie Mac LP guidelines.

  • Document underwriting rationale, risk profiles, and exception handling.

  • Deconstruct end-to-end underwriting workflows, identify critical decision points, and provide feedback to fine-tune AI decision rules.

Job description

About JazzX AI:  
 
Vision: Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise.
JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done.
 
We believe enterprises don't scale expertise—they lose it. Knowledge stays trapped in individuals, judgment gets applied inconsistently, and the best talent spends time on work that should run itself. We're changing that. 
JazzX AI transforms messy enterprise reality into institutional intelligence: governed digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. The result is faster decisions, higher-quality outcomes, and reliable execution at scale—in domains where getting it wrong isn't an option.
 
We're starting with lending and due-diligence workflows—complex, regulated, high-stakes. From here, we're building the backbone for enterprise intelligence across industries.
This is early-stage, hard, and consequential work. If you want to be part of bringing AI systems to market that actually run in production, handle real complexity, and deliver real outcomes—not demos, not chatbots—JazzX AI is the place.
 
About SAIGroup : 
SAIGroup a private investment firm that has committed $1B to build and scale next-generation, AI-powered enterprise software companies. SAIGroup's portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide — providing JazzX AI with long-term capital, deep operating expertise, and access to real-world enterprise scale from day one.
 

Role Overview 

As a Part‑Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI-technology to support mortgage underwriting activities. You will work closely with engineering, and product teams to convert real-world underwriting decisions into robust AI logic. 

Contract Duration: 6 months (potential to extend up to 12 months) 

Key Responsibilities:

  • Underwriting & File Assessment
    • Underwrite a variety of residential mortgage loan files (purchase, rate‑term refinance, cash‑out refinance) per Fannie Mae DU and Freddie Mac LP guidelines.
    • Document underwriting rationale, risk profiles, and exception handling. 
  • Process Mapping & Rule Development
    • Deconstruct end-to-end underwriting workflows—from borrower qualification and income/asset verification to AUS findings and final approval.
    • Identify critical decision points and edge cases crucial for AI modeling. 
  • Model Validation & Feedback
    • Blind-test AI-generated underwriting recommendations against manual assessments.
    • Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds. 
  • Knowledge Transfer & Training
    • Create clear, actionable guides on complex topics (e.g., compensating factors, manual AUS overrides, GSE compliance).
    • Host virtual workshops or Q&A sessions to transfer domain knowledge to cross-functional teams. 

Required Qualifications 

  • Experience: 4–10 years in residential mortgage underwriting at a senior or specialist level.
  • GSE Mastery: Deep, hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines.
  • Analytical Acumen: Proven ability to assess borrower credit, income, assets, and collateral with accuracy and consistency.
  • Communication: Exceptional verbal and written skills to articulate underwriting logic and decision processes.
  • Consulting Approach: Comfortable in an iterative environment, providing structured feedback to product and engineering teams. 

Preferred Qualifications 

  • Experience at large retail or independent mortgage lenders (e.g., Wells Fargo, Rocket Mortgage, Chase).
  • Background in manual underwriting, AUS overrides, or secondary market delivery.
  • Familiarity with post-closing QC, servicing reviews, and secondary market delivery processes.
  • Prior involvement in technology or automation initiatives within mortgage operations. 

Why Join JazzX AI:

What draws people to JazzX AI is the opportunity to build something truly foundational.

We are at the beginning of a new era — one where enterprise systems will no longer be static tools, but dynamic collaborators that learn, reason, and evolve alongside the people who use them. At JazzX AI, you'll help build a platform that redefines how work happens in the AGI era.

JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it's about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.

If you're motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.

Headquartered in Los Altos, CA. Backed by SAIGroup.

Learn more about JazzX AI:
Website: https://jazzx.ai
LinkedIn: https://www.linkedin.com/company/jazzx-ai

Learn more about SAIGroup:
Website: https://saigroup.ai