... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
Quick apply
... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
... underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus * Re-reviewing files, signing off on conditions, and moving files to clear to close * Work closely with operations staff while ...
Portfolio Underwriter
Wayne, NJ · On-site
High School Diploma or GED and a minimum of five years non-conforming/portfolio underwriting experience. * Associate's Degree preferred.
Portfolio Underwriter
Wayne, NJ · On-site
High School Diploma or GED and a minimum of five years non-conforming/portfolio underwriting experience. * Associate's Degree preferred.
Staff Underwriter
Birmingham, AL · On-site
Ability to underwrite conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan files * Validate data integrity of documents of loans submitted versus data ...
Staff Underwriter
Birmingham, AL · On-site
Ability to underwrite conventional (conforming and non-conforming) FHA, Rural Development, State Authority, and VA loan files * Validate data integrity of documents of loans submitted versus data ...
Strong knowledge of non-conforming/non-agency Jumbo and Non-QM loan programs. * Superior knowledge of property and credit underwriting requirements for FNMA, FHLMC, Non-Agency Jumbo, Non-QM, and ...
Strong knowledge of non-conforming/non-agency Jumbo and Non-QM loan programs. * Superior knowledge of property and credit underwriting requirements for FNMA, FHLMC, Non-Agency Jumbo, Non-QM, and ...
Jumbo and Non-QM Underwriter
Tucson, AZ · On-site +1
Strong knowledge of non-conforming/non-agency Jumbo and Non-QM loan programs. * Superior knowledge of property and credit underwriting requirements for FNMA, FHLMC, Non-Agency Jumbo, Non-QM, and ...
Jumbo and Non-QM Underwriter
Tucson, AZ · On-site +1
Strong knowledge of non-conforming/non-agency Jumbo and Non-QM loan programs. * Superior knowledge of property and credit underwriting requirements for FNMA, FHLMC, Non-Agency Jumbo, Non-QM, and ...
Non-QM Underwriter
Brea, CA · On-site
$95K - $120K/yr
Prior Underwriting experience in a traditional retail lending environment, including but not limited to conventional and non-conforming (non-QM loans). * Minimum 3-5 years' experience underwriting ...
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Non-QM Underwriter
Brea, CA · On-site
$95K - $120K/yr
Prior Underwriting experience in a traditional retail lending environment, including but not limited to conventional and non-conforming (non-QM loans). * Minimum 3-5 years' experience underwriting ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
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Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Scottsdale, AZ · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Scottsdale, AZ · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Plano, TX · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
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Mortgage Underwriter III
Plano, TX · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Santa Fe, NM · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Santa Fe, NM · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Plano, TX · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Plano, TX · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Santa Fe, NM · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Quick apply
Mortgage Underwriter III
Santa Fe, NM · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Mortgage Underwriter III
Scottsdale, AZ · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Quick apply
Mortgage Underwriter III
Scottsdale, AZ · On-site
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Knowledge of Jumbo Non-Conforming Service Release underwriting * Down payment assistance programs-preferred but not required * Must be proficient in Microsoft Office Suite. * Must possess excellent ...
Non Conforming Underwriter information
See salary details
$32.5K - $42.2K
5% of jobs
$42.2K - $52K
9% of jobs
$60.6K is the 25th percentile. Wages below this are outliers.
$52K - $61.7K
12% of jobs
$61.7K - $71.4K
20% of jobs
The median wage is $74.5K / yr.
$71.4K - $81.1K
12% of jobs
$87.7K is the 75th percentile. Wages above this are outliers.
$81.1K - $90.9K
25% of jobs
$90.9K - $100.6K
7% of jobs
$100.6K - $110.3K
3% of jobs
$110.3K - $120K
2% of jobs
$120K - $129.8K
2% of jobs
$129.8K - $139.5K
2% of jobs
$32.5K
$78.9K
$139.5K
How much do non conforming underwriter jobs pay per year?
As of Aug 1, 2026, the average yearly pay for non conforming underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.
What is the difference between Non Conforming Underwriter vs Conforming Underwriter?
| Aspect | Non Conforming Underwriter | Conforming Underwriter |
|---|---|---|
| Credentials | Typically requires underwriting certifications and industry experience | Similar credentials, often with additional certifications for conforming loans |
| Work Environment | Works with higher-risk, non-standard loan files | Handles standard, conforming loan applications |
| Industry Usage | Common in mortgage lending for non-standard loans | Used in mainstream mortgage lending for standard loans |
| Search Intent | Comparison for specialized underwriting roles | Understanding standard vs non-standard underwriting |
Non Conforming Underwriters focus on higher-risk, non-standard loans, requiring specialized knowledge and certifications. Conforming Underwriters handle standard loans that meet agency guidelines. The main difference lies in the loan types they process and the risk levels involved.
What are Non Conforming Underwriters?
Non Conforming Underwriters are mortgage professionals who assess and approve or deny loan applications that do not meet standard (conforming) lending guidelines, such as those set by Fannie Mae or Freddie Mac. These loans, often referred to as 'non-conforming' or 'jumbo' loans, may involve unique borrower situations, higher loan amounts, or credit challenges. Non Conforming Underwriters evaluate the financial risks involved, review documentation, and ensure that loans comply with both investor and regulatory requirements. Their expertise helps lenders manage risk while providing financing options to clients who may not qualify for conventional loans.
What are the key skills and qualifications needed to thrive as a Non Conforming Underwriter, and why are they important?
To thrive as a Non Conforming Underwriter, you need in-depth knowledge of mortgage underwriting guidelines, risk assessment, and a strong background in finance or related fields. Proficiency with loan origination systems (LOS), automated underwriting systems (AUS), and familiarity with tools like Encompass or DU/LP is typically required. Exceptional analytical skills, attention to detail, and effective communication help you navigate complex loan scenarios and collaborate with stakeholders. These skills are crucial for accurately assessing non-standard loans, mitigating risk, and ensuring regulatory compliance in mortgage lending.
What are some common challenges faced by Non Conforming Underwriters, and how can they be addressed?
Non Conforming Underwriters often encounter unique challenges such as assessing higher-risk or unconventional loan applications that fall outside traditional lending guidelines. These cases require careful risk analysis, strong attention to detail, and creative problem-solving to structure deals that benefit both the lender and borrower while remaining compliant. Collaboration with loan officers, sales teams, and compliance departments is key to navigating complex scenarios, and ongoing education about evolving regulations and market trends helps underwriters stay effective in this dynamic role.
More about Non Conforming Underwriter jobs
What cities are hiring for Non Conforming Underwriter jobs? Cities with the most Non Conforming Underwriter job openings:
What states have the most Non Conforming Underwriter jobs? States with the most job openings for Non Conforming Underwriter jobs include:
What job categories do people searching Non Conforming Underwriter jobs look for? The top searched job categories for Non Conforming Underwriter jobs are:
Job description
Key responsibilities include but are not limited to:
- Underwrite mortgage loan files for agency compliance and investor guidelines
- Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents.
- Approve or approve with conditions loan submission after careful consideration and explore possible alternatives before resorting to a suspense or denial.
- Assess the risk to the company and our investors to ensure salability of the loan after closing
- Perform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan.
- 5 years of experience underwriting FNMA, FHLMC, and Non-Conforming mortgages is a plus
- Re-reviewing files, signing off on conditions, and moving files to clear to close
- Work closely with operations staff while identifying opportunities to mentor and coach them increasing their knowledge and efficiency
About SummitHR
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SummitHR makes a commitment to our clients and candidates to listen to your goals and ideas. We deliver innovative solutions that prove a personal understanding of the culture, vision and brand you represent. We offer dynamic solutions, because We are committed to your success.
Industry
Recruiting and staffing services
Company size
1 - 10 Employees
Headquarters location
Alhambra, CA, US