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Non Qm Jobs in Florida (NOW HIRING)

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 ...

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 ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL

$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 ...

HomeXpress Mortgage Corp

Underwriter

Tampa, FL · On-site +1

$70K - $80K/yr

Company Description HomeXpress - Your Leading Non-QM Mortgage Lender Join our growing team and be part of the Top Non-QM Lender in the Business We are known for closing mortgage loans with Speed ...

Homexpress Mortgage Corp

Underwriter

Tampa, FL · On-site

$70K - $80K/yr

Company Description HomeXpress - Your Leading Non-QM Mortgage Lender Join our growing team and be part of the Top Non-QM Lender in the Business We are known for closing mortgage loans with Speed ...

Truehold

Loan Officer Assistant

Jacksonville, FL · On-site

$34K - $47K/yr

This role primarily supports business purpose lending (DSCR, RTL/Fix-and-Flip, and Non-QM) while also assisting with consumer mortgage loans. What You'll Do * Support Loan Officers throughout the ...

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All JobsNon Qm JobsNon Qm Jobs in Florida

Non Qm information

What is a Non QM?

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 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 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.

What are the most commonly searched types of Non Qm jobs in Florida?

The most popular types of Non Qm jobs in Florida are:

What are popular job titles related to Non Qm jobs in Florida?

For Non Qm jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Non Qm jobs in Florida look for?

The top searched job categories for Non Qm jobs in Florida are:

Non Qm jobs near you
Infographic showing various Non Qm job openings in Florida as of August 2026, with employment types broken down into 1% As Needed, 82% Full Time, 14% Part Time, 2% Contract, and 1% Nights. Highlights an 92% Physical, 3% Hybrid, and 5% Remote job distribution.

Non-QM Underwriter

Onity Group

West Palm Beach, FL • On-site

$80 - $100/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Key responsibilities

  • Review and analyze mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with guidelines.

  • Make independent decisions regarding loan acceptance and risk, and approve loans or issue alternative options or adverse actions.

  • Communicate underwriting decisions to sellers and manage loans using all functions of Encompass.

Job description

This position offers an exciting opportunity to play a crucial role in our Correspondent Lending business. We are hiring experienced Non-QM Underwriters to support the expansion of our rapidly growing non-delegated channel.

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 accuracy and completeness.

Responsibilities
  • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors
  • Responsible for making independent decisions regarding acceptance and risk of loans according to FNMA, FHLMC, PHH, and applicable Non-QM investor guidelines
  • Approves loans, issues alternative options or adverse actions accordingly
  • Adheres to all applicable internal PHH Mortgage policies and procedures.
  • Meets determined service level time frame requirements set by management.
  • Work with staff and management to find solutions on escalated loans
  • Manage loans by using all functions of Encompass
  • Effectively communicate underwriting decisions to Seller
  • Maintain high level of customer service and communication both internally and externally
  • Other duties as assigned.
Qualifications
  • Minimum three years mortgage experience underwriting non-QM loans
  • Working knowledge of FNMA and FHLMC and Non-QM guidelines
  • Ability to review and calculate complex personal and or business financials
  • Ability to underwrite Non-QM and Non-Agency products, including but not limited to bank statement income analysis, Asset Depletion, and DSCR
  • Ability to review credit reports, preliminary title reports, judgements, bankruptcy documents, appraisals and any additional applicable credit documents
  • Correspondent Lending experience preferred
  • Strong working knowledge of Encompass
  • Ability to effectively present information and respond to questions both internally and externally in a professional, articulate, and respectful manner.
  • Strong organizational, problem-solving, and analytical skills
  • Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm
  • Consistently meets or exceeds established minimum productivity and quality goal
  • Proven ability to handle multiple projects and meet deadlines
  • Good judgment with the ability to make timely and sound decisions
  • Bilingual skills a plus
  • FHA and VA a plus
Training and Licensing Requirements
  • Must pass the Company’s Background Screening process prior to beginning employment. Additionally, as a condition of employment, you may be required to pass client-specific background check requirements or Federal/State licensing requirements, if applicable.

The salary range for this position is expected to be $90,000 – $105,000 per year, depending on geographic location, experience, and other qualifications of the successful candidate. This position is also eligible for monthly bonus based on performance and subject to the terms of the Company’s applicable plans.

Onity Group Inc. offers a comprehensive benefits package including medical, dental and vision; up to 3% match on 401(k) contributions; generous paid time off; company-paid life, accident and disability coverage; programs for mental, physical and financial wellness; and more.

We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know.

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