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Qm Underwriter Jobs (NOW HIRING)

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

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 ...

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 ...

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 ...

Griffin Funding, Inc.

Non-QM Underwriter

San Diego, CA · On-site +1

$90K - $110K/yr

The Non-QM Underwriter evaluates and decisions mortgage applications, focusing on our delegated Non-QM loan products and select Conventional programs. This role involves comprehensive analysis of ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL · On-site

$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 ...

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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 Aug 19, 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?

The top searched job categories for Qm Underwriter jobs are:

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 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 68% Physical, 12% Hybrid, and 20% 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 14 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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