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Non Qm Underwriter Jobs (NOW HIRING)

CrossCountry Mortgage

Non-QM Underwriter

  • Medical

  • Dental

  • Vision

  • Retirement

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 ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · On-site

$43.27 - $55.29/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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 ...

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 ...

Paramount Residential Mortgage Group

Non-QM Underwriter

Corona, CA · On-site

$70K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

The duties for Non-QM Underwriter include, but are not limited to, those described below. PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL · On-site

$90K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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 Financial Corporation

Non-QM Underwriter

West Palm Beach, FL · On-site +1

$90K - $105K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

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

  • Medical

  • Retirement

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

American Financial Network

Non-QM Underwriter

Brea, CA · On-site

$95K - $120K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Minimum 3-5 years' experience underwriting Non-QM loans. Supervisory Responsibilities, If Any * N/A Physical Demands While performing the duties of this job, employee is regularly required to: * Sit ...

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All JobsNon Qm Underwriter Jobs

Non Qm Underwriter information

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$32.5K

$78.9K

$139.5K

How much do non qm underwriter jobs pay per year?

As of Aug 12, 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 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.

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.

More about Non Qm Underwriter jobs
What cities are hiring for Non Qm Underwriter jobs? Cities with the most Non Qm Underwriter job openings:
What are the most commonly searched types of Non Qm Underwriter jobs? The most popular types of Non Qm Underwriter jobs are:
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Non Qm Underwriter jobs near you
Infographic showing various Non Qm Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 77% Full Time, 17% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Non-QM Underwriter

AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY

Mount Laurel, NJ • Remote

$44 - $48/hr

Full-time

Re-posted 8 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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