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Contractual Mortgage Software Engineer Jobs (NOW HIRING)

Cake Mortgage Corp.

Senior Software Engineer

Chatsworth, CA · On-site

$125K - $165K/yr

Description CAKE Mortgage is a cutting-edge wholesale mortgage lender specializing in Non-QM ... The Senior Software Engineer will help design and build CAKE's custom TPO platform - the web ...

Mutual of Omaha Mortgage

$135 - $150/hr

Software Engineer - AI Systems Location: Hybrid - Irvine, CA Job Type: Full-Time Mutual of Omaha is ... Mutual of Omaha Mortgage is a full-service lending company offering both Forward and Reverse ...

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Chestnut

Software Engineer

San Francisco, CA · On-site

Chestnut is the first AI mortgage lender, aiming to automate the mortgage process and save consumers significant amounts in interest. The Software Engineer will contribute to building automated ...

Chestnut

Software Engineer

San Francisco, CA · On-site

Chestnut is the first AI mortgage lender, aiming to help Americans save billions in interest on their mortgages. They are seeking a Software Engineer to build automated mortgage brokering and ...

VTG

Software Engineer

Reston, VA · On-site

$105K - $150K/yr

Our Software Engineers are at the forefront of defense technology, crafting high-impact, cutting ... contractual requirements which may cause an offer to fall outside of this range.

Judge Group, Inc.

Software Engineer

Charlotte, NC · On-site

$53 - $57/hr

Senior Data Engineer, Home Lending Data & Insights We are not accepting C2C or 1099 arrangements ... Integrate, cleanse, transform, and standardize data from multiple mortgage and financial systems.

VTG

Software Engineer

Hanover, MD · On-site

$140K - $160K/yr

Overview VTG is looking for an experienced and adaptive Software Engineer to join our team. This ... contractual requirements which may cause an offer to fall outside of this range.

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All Jobsfreelance JobsContractual Mortgage Software Engineer Jobs

Contractual Mortgage Software Engineer information

See salary details

$63.5K

$147.5K

$205.5K

How much do contractual mortgage software engineer jobs pay per year?

As of Aug 24, 2026, the average yearly pay for contractual mortgage software engineer in the United States is $147,524.00, according to ZipRecruiter salary data. Most workers in this role earn between $120,000.00 and $173,000.00 per year, depending on experience, location, and employer.

What is a contractual mortgage software engineer?

Contractual Mortgage Software Engineers are technology professionals hired on a contract basis to design, develop, implement, and maintain software solutions specifically for the mortgage industry. They work on applications that handle tasks such as loan processing, underwriting, compliance, and customer management. These engineers are often brought in for specific projects or to address temporary needs within mortgage lenders, banks, or fintech firms. Their expertise ensures that mortgage processes are automated, efficient, and compliant with industry regulations.

What are the key skills and qualifications needed to thrive as a contractual mortgage software engineer, and why are they important?

To thrive as a Contractual Mortgage Software Engineer, you need expertise in software development (often with languages like Java, C#, or Python), strong knowledge of mortgage industry processes, and experience with mortgage or financial software platforms. Familiarity with tools such as Encompass, Calyx Point, or MLOS systems, as well as Agile development methodologies and relevant certifications, is typically required. Excellent problem-solving, communication, and adaptability are vital soft skills for collaborating with stakeholders and responding to changing project needs. These skills ensure the effective development and integration of mortgage software solutions that meet regulatory, client, and business requirements.

What are some common challenges faced by contractual mortgage software engineers, and how can they be addressed?

Contractual Mortgage Software Engineers often encounter challenges such as integrating with legacy systems, adhering to strict regulatory requirements, and managing tight project deadlines. Since mortgage platforms require high accuracy and compliance, staying updated with financial regulations and collaborating closely with compliance teams is essential. Clear communication with stakeholders and proactive documentation help ensure smooth handoffs and minimize misunderstandings, especially given the project-based nature of contractual work. Leveraging agile methodologies and robust testing practices can also improve project outcomes and client satisfaction.

What is the difference between Contractual Mortgage Software Engineer vs Contractual Loan Processing Software Engineer?

AspectContractual Mortgage Software EngineerContractual Loan Processing Software Engineer
CredentialsTypically requires software development skills, industry knowledge, and possibly finance certificationsSimilar credentials, focusing on loan processing systems and financial software expertise
Work EnvironmentWorks with mortgage lenders, banks, and financial institutions on mortgage-related softwareWorks with loan processing teams, banks, and financial institutions on loan management systems
Employer & Industry UsageCommonly employed in mortgage companies, banks, and fintech firmsUsed in loan servicing companies, banks, and financial service providers

The main difference lies in their focus: the Contractual Mortgage Software Engineer specializes in mortgage-specific software solutions, while the Contractual Loan Processing Software Engineer handles broader loan processing systems. Both roles require similar technical skills and industry knowledge but serve different segments within the financial services sector.

More about Contractual Mortgage Software Engineer jobs

What cities are hiring for Contractual Mortgage Software Engineer jobs?

Cities with the most Contractual Mortgage Software Engineer job openings:

What are the most commonly searched types of Mortgage Software Engineer jobs?

The most popular types of Mortgage Software Engineer jobs are:

What states have the most Contractual Mortgage Software Engineer jobs?

States with the most job openings for Contractual Mortgage Software Engineer jobs include:

What job categories do people searching Contractual Mortgage Software Engineer jobs look for?

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Contractual Mortgage Software Engineer jobs near you
Infographic showing various Contractual Mortgage Software Engineer job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 87% Full Time, 8% Part Time, and 4% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $147,524 per year, or $70.9 per hour.

Software Engineer, III

Blue Sage Solutions

Englewood Cliffs, NJ • On-site, Remote

Full-time

Re-posted 15 days ago

Job description

Description
As a Software Engineer III, with primary focus on supporting Pricing Engines (Optimal Blue), you will act as a go-between for higher management and the engineering staff, ensuring the team produces strong solutions. Though you will work with a team, you must be able to handle projects at an independent level and solve software problems of varying complexities. You will comprehend the full scope of a project to make the best suggestions for development, testing, and maintenance, while providing mentorship and higher-level technical knowledge to the team.
This role requires specific expertise in the Mortgage Software domain, with a heavy focus on Pricing Engines (specifically Optimal Blue) and complex API integrations.
Requirements
Key Responsibilities:
  • API Integration & Architecture: Design and implement robust API integrations to connect internal systems with third-party vendors and services.
  • Optimal Blue & Other Pricing Engine Integration: Lead the development, configuration, and maintenance of application integration with Mortgage Pricing Engines, with particular focus on Optimal Blue.
  • Troubleshooting & Production Support: Ability to research and troubleshoot production issues related to pricing engine integration.
  • Technical Design: Translate business requirements to technical specifics and develop software architecture and design based on requirements.
  • Complex Problem Solving: Independently solve various problems and rectify complicated problems through the application of design patterns.
  • Team Leadership: Designate tasks to team members in a balanced and effective manner and mentor junior/mid-level developers.
  • Testing & Quality: Create and write complicated tests and perform regular reviews on code done by less experienced developers.
  • Business Logic: Communicate with clients and management about business processes and transform them into programming code.
  • Continuous Improvement: Consistently improve the quality and structure of previously written code.

Required Skills and Experience
Domain & Integration Specifics (Required):
  • API Integration: Extensive experience designing and consuming RESTful APIs and managing third-party service connections.
  • Mortgage Lending Domain: Proven knowledge of the mortgage lifecycle and software ecosystem.
  • Pricing Engines: Hands-on experience with Optimal Blue integration.

Languages (3 years experience in one or more):
  • Java
  • Javascript
  • Groovy
  • SQL

Frameworks (3 years experience in one or more):
  • Spring
  • Hibernate, GORM, or other domain modeling frameworks
  • Grails
  • Vue.js, Angular, Sencha ExtJS or other UI frameworks
  • Drools or a rules engine

Tools and Platforms (3 years experience in one or more):
  • Cloud: AWS (preferred), Azure, GCP and Cloud Services (Docker, Lambda, Step Functions, SNS, SQS).
  • Databases: MySQL (relational).
  • Build & Repos: Git, GitHub, Jenkins.
  • Process: Agile, Scrum, Jira, Confluence.

Other Technical Skills:
  • Advanced understanding of REST and API architecture.
  • Security best practices.
  • Testing frameworks such as JUnit.

Preferred Qualifications:
  • Github / portfolio showing previous API or complex integration work.

Education:
  • BS/BA in Computer Science, Engineering or a related field or equivalent in experience.

Apply