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Non Qm Jobs (NOW HIRING)

Deephaven

Remote Non QM Underwriter

$52.88/hr

Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve ...

All Elite Loan

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Senior Non-QM Processor | Mandarin-Speaking | Remote

Burlingame, CA · Remote

$58K - $62K/yr

If you live and breathe Non-QM, lead with expertise, and communicate fluently in Mandarin, we want to talk. What You'll Do Processing & Operations * Process a full pipeline of Non-QM loans (VOE, P&L ...

REAL TPO LLC

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NON-QM Wholesale Mortgage Underwriter

Los Feliz, CA · On-site

$90K - $115K/yr

Manually underwrite Non-QM and Non-Agency loans, including review of borrower credit files, assets, capacity, and property information to determine eligibility. Analyze complex income tax returns to ...

REAL TPO LLC

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NON-QM Wholesale Mortgage Underwriter

Los Feliz, CA · On-site

$90K - $115K/yr

Manually underwrite Non-QM and Non-Agency loans, including review of borrower credit files, assets, capacity, and property information to determine eligibility. Analyze complex income tax returns to ...

American Financial Network

Non-QM Underwriter

Brea, CA · On-site

$95K - $120K/yr

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 ...

Lendz Financial

OR

Non-QM Knowledge : Familiarity with Non-QM products and confidence explaining complex lending scenarios. * Strong Track Record : Demonstrated ability to drive volume and hit sales targets ...

Lendz Financial

Non-QM Account Executive

Non-QM Knowledge : Familiarity with Non-QM products and confidence explaining complex lending scenarios. * Strong Track Record : Demonstrated ability to drive volume and hit sales targets ...

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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 July 2026, with employment types broken down into 92% Full Time, 4% Part Time, and 4% Contract. Highlights an 70% In-person, and 30% Remote job distribution.
Remote Non QM Underwriter

Remote Non QM Underwriter

Deephaven

Remote

$52.88/hr

Full-time

Medical, Retirement

Posted yesterday

Job description

Why Deephaven Mortgage?
Deephaven Mortgage has been a pioneer and leader in non-QM since our origin in 2012. Our longevity and strength in the non-QM space has allowed a significant number of borrowers to achieve homeownership who otherwise would not have under traditional requirements. Deephaven champions mortgage borrowers whose independence, entrepreneurial drive and determination are often the very reason they cannot qualify for a traditional loan.
We continuously and responsibly innovate new mortgage products and programs that put homeownership within reach of millions of borrowers and investors that need and deserve financing through lending ingenuity that is supported by common-sense underwriting.
Deephaven is comprised of two lending platforms. Our wholesale channel offers loans through a network of over 1,000 independent mortgage brokers. Our correspondent channel buys loans from over 200 correspondent partners.
Deephaven's headquarters are in Charlotte, North Carolina. To learn more about our innovative loan solutions please visit www.deephavenmortgage.com or email us at info@deephavenmortgage.com.
Job Overview
In this role, you will be responsible for evaluating mortgage loan applications that fall outside traditional Qualified Mortgage (QM) guidelines. You will assess borrower risk based on alternative documentation, ensure compliance with company policies and investor guidelines, and play a key role in decision-making for loan approvals.
This role is remote with ability to work from any state in the U.S.
What You'll Do
  • Manually underwrite mortgage loan transactions submitted by our Correspondent and Wholesale lending clients to company and investor credit guidelines
  • Perform quality control audits of our third-party vendor to ensure mortgage loans meet all company and investor credit guidelines and requirements
  • Review loan scenarios and communicate purchase/funding eligibility requirements to our Correspondent and Wholesale lending clients
  • Collaborate with internal staff (e.g., Underwriters, Account Managers, Processors, Closers, Operations Management, etc.) of our correspondent lending clients, brokers and third party-vendors throughout the review process to clear purchase/funding eligibility conditions.
  • Work closely with processing staff to clear loan conditions throughout the process
  • Assist in handling loan-level credit and compliance questions & issues and in the preparation and dissemination of updated mortgage underwriting and compliance standards and procedures
  • Analyze loan applications and conduct financial due diligence to assess the creditworthiness of borrowers and the risk associated with the loan
  • Evaluate multi-family properties to determine their market value, condition, and potential for generating rental income
  • Review financial statements, rent rolls, and property operating data to ensure that the property's income can cover loan payments and expenses
  • Collaborate with account executives, clients and stakeholders to gather necessary information and provide feedback on loan applications
  • Recommend loan structuring and terms that mitigate potential risks while meeting the needs of borrowers and lenders
  • Make informed decisions about whether to approve, deny, or modify loan applications based on comprehensive analysis and risk assessment

Job Requirements
  • 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
  • Experience underwriting HELOCs and 2nd mortgages strongly preferred
  • 5+ years of experience as an underwriter
  • Ability to manually calculate income across all non-QM programs, including complex self-employed borrower profiles, layered income sources, and variable cash flow
  • Demonstrated ability to independently review and clear:
    • Title commitments & supporting documentation
    • Appraisal reports (including complex or unique property types)
    • Full condo project reviews (warrantable, non-warrantable, new construction, and small projects)
  • Proficiency in Encompass, with the ability to navigate workflows, analyze documentation, and manage conditions efficiently
  • High-volume underwriting background, managing 50+ initial underwrites per month while maintaining quality, accuracy, and fast SLAs
  • Strong understanding of non-QM guidelines, investor overlays, compensating factors, and risk layering
  • Excellent communication skills with the ability to clearly document decisions and collaborate with sales, processors, and closers
  • Strong critical thinking, independent decision-making, and problem-solving skills
  • Commitment to loan quality, compliance, and responsible lending

Compensation
The sarlary range for this role begins at $52.88 per hour, plus a performance based monthly incentive plan.
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Our Perks
Flexible Time to Recharge - Personalized Time Off for What Matters (because rest isn't one-size fits all)
Future Finance Focused - Generous employer-matched 401(k) plan
Community Connect- Philanthropy Committee that creates charitable initiatives
Health from Day One - Comprehensive health insurance starting on day one of employment
Family Matters - Competitive maternity and paternity leave
Culture & Celebrations - Culture Committee with team-building events and celebrations
Ideas Welcome - Encouraging thought leadership and innovation
Guidance & Growth - Mentorship opportunities for career development
Perk Up - Exclusive discounts on travel, tech, pets, legal, and more

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