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Qm Underwriter Jobs (NOW HIRING)

CrossCountry Mortgage, LLC

$100 - $125/hr

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 ...

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 ...

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

$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 ...

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Qm Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do qm underwriter jobs pay per year?

As of Sep 8, 2026, the average yearly pay for 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 QM underwriter?

QM Underwriters are professionals who review and assess mortgage loan applications to ensure they meet the Qualified Mortgage (QM) standards set by the Consumer Financial Protection Bureau (CFPB). Their main responsibility is to verify that borrowers can reasonably repay their loans and that the loan terms comply with QM guidelines. This involves analyzing income, assets, credit history, and debt-to-income ratios. QM Underwriters play a crucial role in minimizing risk for lenders and protecting consumers from unaffordable loans.

What are the key skills and qualifications needed to thrive as a QM underwriter, and why are they important?

To thrive as a QM Underwriter, you need a thorough understanding of mortgage underwriting guidelines, risk assessment, and compliance with Qualified Mortgage (QM) regulations, usually supported by experience in mortgage lending or a related field. Proficiency with loan origination systems (LOS) like Encompass, knowledge of AUS (Automated Underwriting Systems), and familiarity with regulatory standards such as ATR/QM rules are essential. Strong analytical thinking, attention to detail, and effective communication skills distinguish top performers in this role. These competencies ensure accurate loan decisions, regulatory compliance, and minimized risk exposure for lenders.

What are some common challenges faced by QM underwriters, and how can they overcome them?

QM Underwriters often encounter challenges such as interpreting complex borrower financial profiles, staying updated with evolving Qualified Mortgage (QM) regulations, and balancing risk assessment with customer service expectations. To overcome these challenges, it's important to maintain strong attention to detail, participate in ongoing training to keep abreast of regulatory changes, and collaborate closely with loan officers and compliance teams. Building effective communication skills also helps QM Underwriters clarify documentation needs and resolve issues efficiently, supporting both compliance and customer satisfaction.

What is the difference between Qm Underwriter vs Insurance Underwriter?

AspectQm UnderwriterInsurance Underwriter
Required CredentialsBachelor's degree, industry certificationsBachelor's degree, industry certifications
Work EnvironmentOffice-based, analytical tasksOffice-based, risk assessment
Employer & Industry UsageFinancial institutions, mortgage companiesInsurance companies, brokers
Comparison Search IntentUnderstanding role differences in underwritingUnderstanding role differences in underwriting

Qm Underwriters and Insurance Underwriters both evaluate risks and determine approval for financial products. While Qm Underwriters often focus on mortgage or loan applications, Insurance Underwriters specialize in assessing insurance policies. Both roles require similar credentials and work environments, but they serve different industries and client needs.

Is mortgage underwriting a good career?

Mortgage underwriting is a stable career that involves evaluating loan applications to assess risk and ensure compliance with lending standards. It requires attention to detail, financial analysis skills, and often involves working with underwriting software and guidelines. The role can offer steady employment and opportunities for advancement within the financial services industry.

What do mortgage Qm underwriters get paid?

Mortgage QM underwriters typically earn an average salary ranging from $60,000 to $85,000 annually, depending on experience, location, and employer size. They review loan applications to ensure compliance with federal regulations and often use underwriting software as part of their workflow.
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What job categories do people searching Qm Underwriter jobs look for?

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Qm Underwriter jobs near you
Infographic showing various Qm Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 69% Physical, 11% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Remote Wholesale Non-QM Underwriter

National Mortgage Staffing

Tampa, FL • Remote

Full-time

Medical, Dental, Retirement

Re-posted 13 days ago

Job description

Position: Remote Wholesale Non-QM Underwriter
Work Model: Remote- US candidates only
Compensation: $100-125k, depending on experience, plus tiered bonus plan
Schedule: Full-Time | 40 hours per week | Overtime eligible
Benefits: Medical, Dental, 401(k)
A growing mortgage company is seeking an experienced Remote Wholesale Non-QM Underwriter to join its TPO division. This is a fully remote opportunity supporting increased loan volume within a smaller wholesale channel where your experience, communication, and judgment will matter.
The ideal candidate has strong recent Non-QM underwriting experience, wholesale/TPO experience, and the ability to step into the role with minimal ramp-up. This position is best suited for an underwriter who can independently review files, communicate clearly with internal and external partners, maintain strong quality, and think through complex scenarios to help determine a compliant path forward when possible.
Responsibilities
Underwrite Non-QM loans from initial review through final decision.
Review income, assets, credit, collateral, conditions, and supporting documentation.
Analyze loan files for compliance with investor and program guidelines.
Issue clear and detailed underwriting decisions and conditions.
Work closely with other underwriters, investors, loan coordinators, account executives, closers/funders, and brokers.
Maintain strong quality and production standards in a fast-paced TPO environment.
Think creatively and strategically to structure loans whenever possible while maintaining compliance.
Provide excellent communication and support throughout the underwriting process.
Use Encompass to review, condition, and manage loan files.
Qualifications
Recent Non-QM wholesale/TPO underwriting experience required- minimum 4 years.
Strong Non-QM underwriting knowledge required.
Must be able to underwrite Non-QM loans independently.
Encompass experience required.
Strong customer service and communication skills required.
Ability to problem-solve and think through complex scenarios.
Ability to work independently in a fully remote environment.
This role does not provide Non-QM underwriting training, so candidates should be comfortable stepping in with existing Non-QM experience.
 
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About National Mortgage Staffing

Sourced by ZipRecruiter

We recruit exceptional candidates for many of the nation's top mortgage companies. National Mortgage Staffing is unique as we ONLY staff in the Mortgage Industry. We have widespread knowledge of all positions in this niche industry. Once assigned to a recruiter you will work with that recruiter for all of your open positions. At National Mortgage Staffing, we have one point of contact for all of your recruiting needs. Each Recruiting Specialist is assigned to a specific job division. This recruiter will have an extensive background in the position you are looking to fill. Whether it is Operations or Sales, we have a Recruiting Specialist that will fit your needs.

Industry

Recruiting and staffing services

Company size

51 - 200 Employees

Headquarters location

Fort Myers, FL, US

Year founded

2010

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