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How much do part time contract mortgage underwriting jobs pay per hour?

As of Aug 29, 2026, the average hourly pay for part time contract mortgage underwriting in the United States is $29.76, according to ZipRecruiter salary data. Most workers in this role earn between $19.71 and $34.62 per hour, depending on experience, location, and employer.

What is a part time contract mortgage underwriter?

A part-time contract mortgage underwriter is a financial professional who reviews and evaluates mortgage loan applications on a contractual, part-time basis. They assess borrowers’ creditworthiness, income, assets, and property details to determine if the loan meets lending guidelines. Unlike full-time employees, contract underwriters are hired for specific projects or periods and may work remotely or on-site for lenders, banks, or mortgage companies. Their flexible schedule is ideal for companies needing additional support during busy periods. They play a crucial role in minimizing lending risk and ensuring compliance with regulations.

What are the key skills and qualifications needed to thrive as a part time contract mortgage underwriter?

To thrive as a Part Time Contract Mortgage Underwriter, you need a solid understanding of mortgage lending guidelines, risk assessment, and a background in finance or real estate, often supported by relevant certifications or prior underwriting experience. Familiarity with automated underwriting systems (AUS), loan origination software, and compliance regulations is typically required. Exceptional attention to detail, time management, and strong communication skills help distinguish top performers in this role. These abilities ensure accurate loan evaluations, regulatory compliance, and efficient processing of mortgage applications in a deadline-driven environment.

What are some common challenges faced by part time contract mortgage underwriters, and how can they be managed effectively?

Part-time contract mortgage underwriters often face challenges like fluctuating workloads, tight deadlines, and the need to quickly adapt to different lenders’ systems and guidelines. Effective time management and strong organizational skills are crucial for balancing multiple files while maintaining accuracy and compliance. Building strong communication with loan officers and processors can also help clarify requirements and ensure smooth workflow, even when working remotely or on a flexible schedule.
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Part Time Contract Mortgage Underwriting jobs near you
Infographic showing various Part Time Contract Mortgage Underwriting job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 3% Part Time, and 2% Contract. Highlights an 66% Physical, 8% Hybrid, and 26% Remote job distribution, with an average salary of $61,902 per year, or $29.8 per hour.

Residential Mortgage Loan Underwriter (Contract)

Los Altos, CA • Remote

JazzX AI
See more jobs at JazzX AIexternal

Part-time

Posted 24 days ago

Job description

About JazzX AI:  
 
Vision: Enterprises operating on institutional intelligence—governed, self-improving, and scalable beyond individual expertise.
JazzX AI is defining the future of enterprise work—by building AI-native digital workers that actually get the job done.
 
We believe enterprises don't scale expertise—they lose it. Knowledge stays trapped in individuals, judgment gets applied inconsistently, and the best talent spends time on work that should run itself. We're changing that. 
JazzX AI transforms messy enterprise reality into institutional intelligence: governed digital workers that capture expert judgment, make every decision explainable, and continuously improve through real-world execution. The result is faster decisions, higher-quality outcomes, and reliable execution at scale—in domains where getting it wrong isn't an option.
 
We're starting with lending and due-diligence workflows—complex, regulated, high-stakes. From here, we're building the backbone for enterprise intelligence across industries.
This is early-stage, hard, and consequential work. If you want to be part of bringing AI systems to market that actually run in production, handle real complexity, and deliver real outcomes—not demos, not chatbots—JazzX AI is the place.
 
About SAIGroup : 
SAIGroup a private investment firm that has committed $1B to build and scale next-generation, AI-powered enterprise software companies. SAIGroup's portfolio serves 2,000+ global enterprise customers, generates nearly $800M in annual revenue, and employs 4,000+ people worldwide — providing JazzX AI with long-term capital, deep operating expertise, and access to real-world enterprise scale from day one.
 

Role Overview 

As a Part‑Time Residential Mortgage Loan Underwriter Consultant at JazzX AI, you will leverage your deep expertise in underwriting to build AI-technology to support mortgage underwriting activities. You will work closely with engineering, and product teams to convert real-world underwriting decisions into robust AI logic. 

Contract Duration: 6 months (potential to extend up to 12 months) 

Key Responsibilities:

  • Underwriting & File Assessment
    • Underwrite a variety of residential mortgage loan files (purchase, rate‑term refinance, cash‑out refinance) per Fannie Mae DU and Freddie Mac LP guidelines.
    • Document underwriting rationale, risk profiles, and exception handling. 
  • Process Mapping & Rule Development
    • Deconstruct end-to-end underwriting workflows—from borrower qualification and income/asset verification to AUS findings and final approval.
    • Identify critical decision points and edge cases crucial for AI modeling. 
  • Model Validation & Feedback
    • Blind-test AI-generated underwriting recommendations against manual assessments.
    • Provide granular feedback to engineering teams to fine-tune decision rules and confidence thresholds. 
  • Knowledge Transfer & Training
    • Create clear, actionable guides on complex topics (e.g., compensating factors, manual AUS overrides, GSE compliance).
    • Host virtual workshops or Q&A sessions to transfer domain knowledge to cross-functional teams. 

Required Qualifications 

  • Experience: 4–10 years in residential mortgage underwriting at a senior or specialist level.
  • GSE Mastery: Deep, hands-on knowledge of Fannie Mae DU and/or Freddie Mac LP guidelines.
  • Analytical Acumen: Proven ability to assess borrower credit, income, assets, and collateral with accuracy and consistency.
  • Communication: Exceptional verbal and written skills to articulate underwriting logic and decision processes.
  • Consulting Approach: Comfortable in an iterative environment, providing structured feedback to product and engineering teams. 

Preferred Qualifications 

  • Experience at large retail or independent mortgage lenders (e.g., Wells Fargo, Rocket Mortgage, Chase).
  • Background in manual underwriting, AUS overrides, or secondary market delivery.
  • Familiarity with post-closing QC, servicing reviews, and secondary market delivery processes.
  • Prior involvement in technology or automation initiatives within mortgage operations. 

Why Join JazzX AI:

What draws people to JazzX AI is the opportunity to build something truly foundational.

We are at the beginning of a new era — one where enterprise systems will no longer be static tools, but dynamic collaborators that learn, reason, and evolve alongside the people who use them. At JazzX AI, you'll help build a platform that redefines how work happens in the AGI era.

JazzX AI brings together vision, deep technology, and purpose. This is not about experimenting with AI features; it's about turning the promise of AGI into practical, auditable, and human-aligned systems that enterprises can trust and rely on at scale. The work here directly impacts productivity, efficiency, and decision-making in complex, real-world environments.

If you're motivated by building systems that matter — systems that combine intelligence with responsibility — JazzX AI offers the chance to do that work at a deeper level, with real ownership and lasting impact.

Headquartered in Los Altos, CA. Backed by SAIGroup.

Learn more about JazzX AI:
Website: https://jazzx.ai
LinkedIn: https://www.linkedin.com/company/jazzx-ai

Learn more about SAIGroup:
Website: https://saigroup.ai 

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