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Freelance Underwriter Jobs (NOW HIRING)

F2

Product Marketing Lead

New York, NY · On-site

$150K - $250K/yr

Manage agencies, freelancers, and specialist contributors while remaining accountable for the brief ... banking, underwriting, or diligence workflows. * Experience with pricing, packaging, category ...

New

Everest

Lead Designer - Brand & Creative

Warren, NJ · Hybrid

$115K - $155K/yr

We are underwriters of risk, growth, progress and opportunity. We are a global team focused on ... Collaborate with external agencies, freelancers, and production partners as needed. Skills ...

Everest

Lead Designer - Brand & Creative

Warren, NJ · On-site

$115K - $155K/yr

We are underwriters of risk, growth, progress and opportunity. We are a global team focused on ... Collaborate with external agencies, freelancers, and production partners as needed. Skills ...

Everest

Lead Designer - Brand & Creative

New York, NY · Hybrid

$115K - $155K/yr

We are underwriters of risk, growth, progress and opportunity. We are a global team focused on ... Collaborate with external agencies, freelancers, and production partners as needed. Skills ...

WHYY Inc

Editor, Billy Penn

Philadelphia, PA

The editor will strategize coverage and assign stories from reporting staff and freelancers, and ... underwriting and foundation relations). MAJOR DUTIES AND RESPONSIBILITIES * Manage and edit Billy ...

WHYY INC

Editor, Billy Penn

Philadelphia, PA · On-site

The editor will strategize coverage and assign stories from reporting staff and freelancers, and ... underwriting and foundation relations). MAJOR DUTIES AND RESPONSIBILITIES * Manage and edit Billy ...

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Freelance Underwriter information

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$30

$45

How much do freelance underwriter jobs pay per hour?

As of Jul 16, 2026, the average hourly pay for freelance underwriter in the United States is $30.00, according to ZipRecruiter salary data. Most workers in this role earn between $25.00 and $33.17 per hour, depending on experience, location, and employer.

How to get a job as an underwriter with no experience?

To become a freelance underwriter with no experience, focus on gaining relevant knowledge through online courses or certifications in insurance or risk assessment. Building strong analytical skills, understanding industry standards, and gaining familiarity with underwriting software can improve your prospects; starting with entry-level or assistant roles can also provide valuable experience.

What is the highest paid freelance job?

Freelance underwriters can earn high incomes, especially those with specialized expertise in areas like insurance, finance, or risk assessment. Top freelance underwriters with extensive experience and certifications can command hourly rates or project fees that are among the highest in freelance professions, often exceeding six figures annually depending on the industry and workload.

What are some common challenges faced by freelance underwriters, and how can they be managed?

Freelance underwriters often face challenges such as managing inconsistent workloads, staying updated on industry regulations, and building a steady client base. To address these issues, it's important to establish clear communication with clients regarding deadlines and expectations, invest time in continuous professional development, and network actively within the industry. Additionally, using digital tools to organize projects and track changing requirements can help streamline the underwriting process and maintain quality standards.

What is the difference between Freelance Underwriter vs Insurance Underwriter?

AspectFreelance UnderwriterInsurance Underwriter
CredentialsTypically requires industry certifications and underwriting experienceRequires similar credentials, often with insurance-specific licenses
Work EnvironmentRemote, project-based, self-employedOffice or remote, employed by insurance companies
Employer & Industry UsageIndependent contractor serving multiple clientsInsurance companies, underwriting departments
Search & Comparison IntentFreelance Underwriter vs Insurance Underwriter

Freelance Underwriters operate independently, offering underwriting services on a project basis, often remotely. Insurance Underwriters are employed by insurance companies, working within their underwriting departments. Both roles require similar credentials, but their work environments and employment structures differ significantly.

What are the key skills and qualifications needed to thrive as a Freelance Underwriter, and why are they important?

To thrive as a Freelance Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or insurance, often supported by industry certifications such as CPCU or ARM. Familiarity with underwriting software, risk assessment tools, and client management systems is typically required. Excellent communication, negotiation, and time management skills help build client trust and efficiently manage multiple cases. These competencies ensure accurate risk evaluation, compliance, and client satisfaction in a competitive, independent work environment.

Can underwriting be done remotely?

Yes, freelance underwriters can often perform their work remotely, especially with the use of digital tools and online communication platforms. Remote underwriting requires strong analytical skills, attention to detail, and familiarity with underwriting software, and many companies offer flexible or home-based positions for qualified professionals.

Can you be a self-employed underwriter?

Yes, freelance underwriters can work independently, often providing underwriting services on a contract basis for insurance companies or clients. They typically need relevant industry experience, underwriting skills, and sometimes professional certifications, and they may operate from a home office or remote environment. Self-employment allows flexibility but requires managing client relationships and business administration.

What is a freelance underwriter?

A freelance underwriter is a professional who assesses the risks of insuring individuals or assets, but works independently rather than as a full-time employee for an insurance company or financial institution. They may be hired on a contract or project basis to evaluate loan applications, insurance policies, or other financial products. Freelance underwriters use their expertise to analyze data, review documentation, and make recommendations on whether to approve or deny applications. This role requires strong analytical skills, industry knowledge, and the ability to work with various clients. Freelance underwriters often have flexibility in choosing their clients and projects.
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Freelance Underwriter jobs near you

Mortgage Underwriter - Freelance AI Trainer

Mindrift

New York, NY • On-site

$60/hr

Part-time

Posted 21 days ago

Job description

Please submit your CV in English and indicate your level of English proficiency. 

Mindrift connects specialists with project-based AI opportunities for leading tech companies, focused on testing, evaluating, and improving AI systems. Participation is project-based, not permanent employment.

What this opportunity involves

While each project involves unique tasks, contributors may:

  • Evaluate AI-generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash-out refinance);
  • Create test cases involving qualifying income calculations for self-employed borrowers using Schedule C, K-1, and Schedule E;
  • Draft and audit conditional approval letters and adverse action notices for Reg B / ECOA compliance;
  • Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non-conforming loan scenarios;
  • Document problem statements clearly and provide verified correct answers.

What we look for

This opportunity is a good fit for mortgage underwriters and loan origination professionals open to part-time, non-permanent projects. Ideally, contributors will have:

  • Degree in Finance, Economics, Business Administration, Accounting, Real Estate, or any related field;
  • 3+ years of of mortgage, lending, real estate, or financial services experience;
  • Current or recent experience in underwriting & origination or adjacent roles;
  • Ability to calculate qualifying income for self-employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K-1;
  • Deep familiarity with Fannie Mae / Freddie Mac selling guides and knowledge of Reg B, Reg Z, and TRID disclosure timing rules;
  • Strong written English (C1+).

How it works 

Apply Pass qualification(s) Join a project Complete tasks Get paid

Project time expectations 

For this project, tasks are estimated to require around 10-20 hours per week during active phases, based on project requirements. This is an estimate, not a guaranteed workload, and applies only while the project is active. 

Compensation 

On this project, contributors can earn up to $60 per hour equivalent, depending on their level and pace of contribution.

Compensation varies across projects depending on scope, complexity, and required expertise. Please note that other projects on the platform may offer different earning levels based on their requirements.

Apply