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Non Qm Underwriter Jobs (NOW HIRING)

CrossCountry Mortgage, LLC

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 ...

Acrisure Mortgage LLC

Non-QM Underwriter

Orlando, FL · On-site

Acrisure Mortgage is looking for an experienced Non-QM Underwriter to join our growing team. We are seeking a detail-oriented mortgage professional with strong credit analysis skills and extensive ...

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 ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · On-site

$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 ...

Crosscountrymortgage

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 ...

Onity Group

Non-QM Underwriter

West Palm Beach, FL · On-site

$80 - $100/hr

The Non-QM Mortgage Underwriter reviews, conditions, and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL · On-site

$90K - $105K/yr

The Non-QM Mortgage Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for ...

Nova Home Loans

Jumbo and Non-QM Underwriter

Tucson, AZ · On-site

The Jumbo and Non-QM Underwriter is responsible for reviewing, conditioning, and underwriting Jumbo and Non-QM mortgage loans in accordance with company policies, investor guidelines, and regulatory ...

Deephaven

Remote Non QM Underwriter

$52.88/hr

Recent, hands-on non-QM underwriting experience is required, including, but not limited to: * DSCR * Bank Statement (personal & business) * P&L-only qualification * Asset Depletion * Multi-family

Deephaven

Remote Non QM Underwriter

$52.88/hr

Recent, hands-on non-QM underwriting experience is required, including, but not limited to: * DSCR * Bank Statement (personal & business) * P&L-only qualification * Asset Depletion * Multi-family

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How much do non qm underwriter jobs pay per year?

As of Sep 9, 2026, the average yearly pay for non qm 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 a Non QM Underwriter?

A Non-QM Underwriter is responsible for evaluating mortgage loan applications that fall outside the guidelines of Qualified Mortgage (QM) standards. They assess factors like income, credit history, and asset documentation to determine a borrower’s ability to repay. These loans may involve alternative income documentation, such as bank statements or asset depletion, making the underwriting process more complex. Non-QM underwriters must analyze risk while ensuring loans comply with lender and investor guidelines. Their expertise helps expand homeownership opportunities for borrowers who don’t qualify for traditional mortgage loans.

What are the key skills and qualifications needed to thrive as a Non QM Underwriter?

To thrive as a Non QM Underwriter, you need a deep understanding of mortgage industry guidelines, risk assessment, and complex income analysis, typically supported by experience in non-qualified mortgage (Non-QM) underwriting. Familiarity with loan origination systems (LOS), automated underwriting systems, and knowledge of both traditional and alternative documentation requirements is highly valued. Strong analytical thinking, attention to detail, and effective communication skills help underwriters interpret non-standard borrower profiles and explain their decisions. These competencies are crucial for accurately evaluating unconventional loan applications while ensuring regulatory compliance and minimizing organizational risk.

What are the typical challenges a Non QM Underwriter faces in their daily work?

Non QM Underwriters often encounter unique challenges due to the complexity and variability of income sources, credit histories, and asset documentation among Non-QM borrowers. Unlike standard mortgage underwriting, evaluating non-traditional applicants requires in-depth analysis and a high level of judgment to determine risk and eligibility. Collaboration with loan officers, processors, and managers is common to ensure all necessary information is gathered and evaluated. You'll also need to stay current with evolving industry regulations and investor requirements in the Non-QM space. Successfully navigating these challenges is rewarding and helps develop strong expertise in a rapidly growing segment of the mortgage industry.

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Non Qm Underwriter jobs near you
Infographic showing various Non Qm Underwriter job openings in the United States as of September 2026, with employment types broken down into 98% Full Time, and 2% Part Time. Highlights an 63% In-person, 2% Hybrid, and 35% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Non-QM Underwriter

On-site

CrossCountry Mortgage, LLC
Finance and Insurance • 5 - 10K employees
Learn more about CrossCountry Mortgage, LLCexternal

Other

Medical, Dental, Vision, Retirement

Posted 8 days ago

CrossCountry Mortgage rating

7.4

Company rating: 7.4 out of 10

Based on 27 frontline employees who took The Breakroom Quiz

Job description

## Non-QM UnderwriterApplyremote type: Remotelocations: Remote USAtime type: Full timeposted on: Posted Todayjob requisition id: JR03417CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 9,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture.**A culture where you can grow!** CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You’ll get unwavering support from all departments and total transparency from the top down.CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program.**Position Overview:** The Non-QM Underwriter is responsible for underwriting and maintaining a loan pipeline while communicating with internal loan teams and external lenders. 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 Responsibilities:*** Underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, DSCR No Ratio, Foreign National, and Self-Employment.* Maintain an underwriting pipeline of new loans and resubmissions that meet standard service level agreements.* Evaluate and examine loan files to ensure accuracy, completeness, and compliance with investor and agency guidelines.* Issue loan decisions to sales and operations staff in a clear and concise manner.* Communicate with operations, sales staff, business partners (lenders and investors), maintaining a high level of customer service.* Issue final approval by uploading all necessary approval documentation into the company’s software systems with appropriate signatures.* Collaborate with the Post-Closing department on any stipulations for closed files; communicate process and outcome to underwriters and management.* Perform other related duties as assigned by management.**Qualifications and Skills:*** Bachelor’s degree and/or equivalent combination of education and experience.* 4+ years of mortgage underwriting experience.* Experience with Non-QM and Non-Agency underwriting.* Experience with manual underwriting.* Experience with compliance and disclosure requirements.* Encompass LOS experience, a plus.* Advanced prioritization, time management, and problem-solving skills, maintaining attention to detail.* Excellent communication skills.* Proficient in Microsoft Word, Excel, and Outlook.This job description is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. CrossCountry Mortgage, LLC offers **MORE** than a job, we offer a career. Apply now to begin your path to success! careersatccm.com #J-18808-Ljbffr

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