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Non Qm Jobs (NOW HIRING)

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and ...

CrossCountry Mortgage

Non-QM Underwriter

The Non-QM Underwriter maintains extensive product and guideline knowledge of all Non-QM lenders and assists loan teams and underwriting teams with questions and issue resolution. Job ...

Luminate Bank

Senior Underwriter (Non-QM)

Minneapolis, MN · On-site

$102K - $121K/yr

The Non-QM Underwriter is responsible for underwriting and maintaining a pipeline while communicating with internal and external parties. Ensure documentation is accurate and compliant. The Non-QM ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

The Non-QM Underwriter is responsible for evaluating and decisioning mortgage applications that fall outside traditional agency guidelines, with a focus on DSCR, Bank Statement, Asset Depletion, and ...

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All JobsNon Qm Jobs

Non Qm information

What are typical daily responsibilities for a Non-QM Loan Officer?

Non-QM Loan Officers spend their days consulting with clients who have unique financial profiles, evaluating complex income documentation, and structuring mortgage applications that do not meet qualified mortgage standards. They collaborate closely with underwriters, processors, and real estate agents to guide loans from application through closing. Regular responsibilities include prospecting for new business, staying updated on lending guidelines, and problem-solving uncommon scenarios to serve diverse borrowers. This role is dynamic and requires adaptability to the evolving needs of clients and the housing market.

What is a Non QM job?

A Non-QM (Non-Qualified Mortgage) job typically refers to roles in the mortgage industry that involve working with non-qualified mortgage loans. These loans do not meet the strict guidelines set by government agencies like Fannie Mae or Freddie Mac but serve borrowers with unique financial situations. Professionals in this field may work as loan officers, underwriters, or processors specializing in Non-QM products. They assess and approve loans based on alternative income verification, asset-based lending, or other flexible criteria.

What are the key skills and qualifications needed to thrive in the Non Qm position, and why are they important?

To thrive in a Non-QM (Non-Qualified Mortgage) Loan Officer role, you need expertise in mortgage lending, familiarity with non-traditional underwriting guidelines, and state-specific loan officer licensing. Proficiency with mortgage origination systems, credit analysis software, and knowledge of alternative income documentation practices are critical. Strong interpersonal skills, attention to detail, and the ability to effectively explain complex financial products make candidates stand out. These qualifications are essential for helping clients who do not fit conventional lending criteria secure appropriate mortgage solutions while ensuring regulatory compliance.

More about Non Qm jobs
What cities are hiring for Non Qm jobs? Cities with the most Non Qm job openings:
What are the most commonly searched types of Non Qm jobs? The most popular types of Non Qm jobs are:
What states have the most Non Qm jobs? States with the most job openings for Non Qm jobs include:
What job categories do people searching Non Qm jobs look for? The top searched job categories for Non Qm jobs are:
Non Qm jobs near you
Infographic showing various Non Qm job openings in the United States as of June 2026, with employment types broken down into 1% As Needed, 80% Full Time, 18% Part Time, and 1% Temporary. Highlights an 81% Physical, 3% Hybrid, and 16% Remote job distribution.
Non-QM Underwriter

Non-QM Underwriter

AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY

Mount Laurel, NJ • Remote

Full-time

Posted 18 days ago

Job description

***Note to all Arizona Candidates: Please apply to the positions labeled "Arizona" on our Careers page. All candidates who wish to work out of Arizona must apply to the position specific to Arizona.***
AnnieMac Home Mortgage is looking to hire a Full-Time Non-QM Underwriter to be responsible for the underwriting of loans in accordance with company and investor guidelines. Candidates should have experience directly or indirectly related to the Mortgage Industry. Under the direct supervision of the Underwriting Manager the accountabilities and job activities of the Non-QM Underwriter position include, but are not limited, to the following:
  • Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.
  • Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.
  • Review and analyze income from both personal and corporate tax returns.
  • Communicate decision on loans to appropriate parties both verbally and in writing.
  • Analyze loan packages for any sign of fraudulent documentation or information.
  • Work with Loan Originators to restructure questionable loans into a salable package.
  • Remain informed of all government regulations, requirements and laws for both branch and broker submissions.
  • Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan.
  • Review and clear all underwriting conditions prior to closing.

  • 5 years Conventional front-line underwriting.
  • 3 years manual underwriting (Jumbo, Non-QM, conv, FHA) required.
  • 2 years Non-QM underwriting experience required.
  • Pass pre-hire assessment.
  • Complete new hire training including underwriting of test cases and second level review of "live" loans.
  • Knowledge of various investor guidelines and requirements.
  • Minimum of 20 mbps download and 3 mbps upload internet bandwidth speeds are required for all remote positions.

Work Environment/Physical Demands/ Essential Job Functions: Will have to spend long hours sitting and using office equipment and computers, which can cause muscle and eye strain. Some travel is required.
***AnnieMac Home Mortgage participates in E-Verify.***
***AnnieMac Home Mortgage is an Equal Opportunity Employer***

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