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Contractual Mortgage Software Engineer Jobs (NOW HIRING)

NxT Level

Senior Software Engineer

Manhattan, NY · On-site

$134K - $177K/yr

Senior Software Engineer Location: United States Employment Type: Full-time Experience: 3-10 years ... The mortgage industry moves billions of dollars through highly complex, regulated workflows across ...

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 ...

Judge Group, Inc.

Software Engineer

Woodbridge, NJ · On-site

$58 - $63/hr

Software Engineer, Full Stack Java We are not accepting C2C or 1099 arrangements. Location: Iselin ... Familiarity with mortgage lending, servicing, or home lending platforms. Team & Project You will ...

LoanLogics

Software Engineer

Jacksonville, FL · On-site

About LoanLogics LoanLogics is a mortgage technology company providing innovative solutions that ... Role Overview We're seeking a remote mid-level Software Engineer with 5+ years of experience to ...

LoanLogics

Software Engineer

Jacksonville, FL · On-site

About LoanLogicsLoanLogics is a mortgage technology company providing innovative solutions that ... Role OverviewWe're seeking a remote mid-level Software Engineer with 5+ years of experience to join ...

Rockstar

Software Engineer

San Francisco, CA · On-site

$180K - $300K/yr

Engineering Compensation: $180K - $300K • Offers Equity About the Company The company is the ... By owning the mortgage vertical, the company will own the relationship with the consumer, allowing ...

Rockstar

Software Engineer

San Francisco, CA · Hybrid

$180K - $300K/yr

Engineering Compensation: $180K - $300K Offers Equity About the Company The company is the market ... By owning the mortgage vertical, the company will own the relationship with the consumer, allowing ...

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

Reston, VA · On-site

$105K - $150K/yr

Our Software Engineers are at the forefront of defense technology, crafting high-impact, cutting ... include 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

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$63.5K

$147.5K

$205.5K

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

As of Sep 14, 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 are popular job titles related to Contractual Mortgage Software Engineer jobs?

For Contractual Mortgage Software Engineer jobs, the most frequently searched job titles are:

Contractual Mortgage Software Engineer jobs near you
Infographic showing various Contractual Mortgage Software Engineer job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 1% As Needed, 86% Full Time, 9% Part Time, and 3% Contract. Highlights an 85% Physical, 3% Hybrid, and 12% Remote job distribution, with an average salary of $147,524 per year, or $70.9 per hour.

Senior Software Engineer

Manhattan, NY • On-site

NxT Level
See more jobs at NxT Levelexternal

$134K - $177K/yr

Full-time

Re-posted 7 days ago

Job description

Senior Software Engineer

Location: United States
Employment Type: Full-time
Experience: 3–10 years
Focus: Backend Engineering, AI-Native Products, Fintech, Mortgage Servicing Infrastructure

About Our Client

Our client is building an AI-native operating system for mortgage servicing.

The mortgage industry moves billions of dollars through highly complex, regulated workflows across federal, state, and agency requirements. Our client is modernizing this infrastructure with software that helps enterprise customers manage critical mortgage servicing operations with more speed, accuracy, and intelligence.

The company is growing quickly, has recently signed multiple large enterprise customers, and is expanding its engineering team to support continued product and platform scale.

About the Role

Our client is hiring a Senior Software Engineer to build and scale backend systems that power mission-critical mortgage servicing workflows.

This is a high-ownership role for an engineer who can own features end-to-end, operate with autonomy, and meet a strong technical bar. You'll work across product, backend, platform, and infrastructure problems depending on team fit and business priorities.

The team is AI-native in how they build. Engineers are expected to use AI-assisted development tools to move faster while maintaining strong engineering judgment, human review, and production-quality standards.

What You'll Do

  • Own product and platform features end-to-end in a fast-moving startup environment
  • Build and scale backend systems that support billions of dollars in mortgage transactions
  • Design reliable infrastructure for complex financial, regulatory, and operational workflows
  • Build systems that support federal, state, and agency compliance requirements
  • Use AI-assisted development tools to write, test, and ship production code
  • Partner across product, platform, infrastructure, and engineering teams
  • Break down ambiguous technical problems and turn them into shipped outcomes
  • Improve system reliability, scalability, performance, and maintainability
  • Help define engineering standards as the company scales with large enterprise customers

What We're Looking For

  • 3–10 years of professional software engineering experience
  • Strong backend engineering fundamentals
  • Experience building and scaling production systems
  • Ability to own features from design through implementation, launch, and iteration
  • Strong technical judgment and ability to pass a high engineering bar
  • Comfort operating with autonomy in a startup environment
  • Experience working with complex business logic, regulated workflows, or high-stakes systems
  • Comfort using AI tools as part of the software development workflow
  • Strong communication skills and ability to collaborate across product and engineering teams
  • Bias toward shipping reliable, maintainable software

Bonus Experience

  • Experience in fintech, mortgage technology, lending, servicing, banking, insurance, or other regulated industries
  • Experience building backend systems that handle payments, transactions, compliance workflows, or financial operations
  • Experience with platform or infrastructure engineering
  • Experience at a high-growth startup or enterprise SaaS company
  • Experience using AI-assisted development tools in production engineering workflows

Why This Opportunity

  • Join a rapidly growing company building modern infrastructure for mortgage servicing
  • Work on systems that support billions of dollars in financial transactions
  • Build AI-native software for a large, highly regulated industry
  • Partner with strong engineers solving complex backend, product, and infrastructure problems
  • Own meaningful features end-to-end with high autonomy
  • Join at a stage where large enterprise customer demand is creating major engineering opportunities
  • Help shape the technical foundation of a category-defining platform