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Qm Underwriter Jobs (NOW HIRING)

Deephaven

Remote Non QM Underwriter

$52.88/hr

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

Deephaven

Remote Non QM Underwriter

$52.88/hr

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

Atlantic Coast Mortgage

Jumbo/ Non-QM Underwriter

The Jumbo/ Non-QM Underwriter underwrites all levels of complexity of mortgage loan applications and evaluates loans in order to maximize organizational profit and minimize risk or loss with a ...

Plaza Home Mortgage

Non-QM Underwriter

San Diego, CA · On-site

$60 - $80/hr

Underwrite loan files in accordance with investor and company Non‑QM guidelines, focusing on DSCR, Bank Statement, Asset Depletion, and other alternative documentation loan programs. * Maintain ...

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 ... Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ...

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 ... Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ...

HomeXpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site +1

$70K - $80K/yr

Company Description HomeXpress - Your Leading Non-QM Mortgage Lender Join our growing team and be ... Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ...

Homexpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site

$70K - $80K/yr

Company Description HomeXpress - Your Leading Non-QM Mortgage Lender Join our growing team and be ... Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ...

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Qm Underwriter information

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$32.5K

$78.9K

$139.5K

How much do qm underwriter jobs pay per year?

As of Sep 9, 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.
More about Qm Underwriter jobs

What are popular job titles related to Qm Underwriter jobs?

For Qm Underwriter jobs, the most frequently searched job titles are:

Qm Underwriter jobs near you
Infographic showing various Qm Underwriter job openings in the United States as of September 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 61% Physical, 10% Hybrid, and 29% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Hybrid Non-QM Loan Underwriter

Los Angeles, CA • On-site

National Mortgage Staffing
Recruiting and Staffing Services • 51 - 200 employees
Learn more about National Mortgage Staffingexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 5 days ago

Job description

Position Summary:
As a Non-QM Underwriter, you will be responsible for evaluating and underwriting complex non-qualified mortgage (Non-QM) loan applications. This position requires expertise in various non-QM loan products, including but not limited to Bank Statement, DSCR (Debt Service Coverage Ratio), and Asset Depletion loans. Your role will ensure compliance with all underwriting guidelines and regulatory requirements while maintaining a high level of service and accuracy.
Candidate must reside local to Los Angeles CA and be willing to work in office minimum of 2 days a week after 2 week in office training period

Key Responsibilities:

  • Review and analyze loan files, including income documentation, credit reports, and asset verification for Bank Statement, DSCR, and Asset Depletion loans.
  • Underwrite and approve or deny loan applications based on the company’s guidelines, policies, and regulatory requirements.
  • Communicate with loan officers, processors, and other stakeholders to obtain necessary documentation and resolve any issues.
  • Ensure loan files are complete, accurate, and compliant before final approval or denial.
  • Stay current with industry regulations, guidelines, and best practices regarding Non-QM loan products.
  • Provide guidance and support to junior underwriters and other team members as needed.
  • Maintain a high level of productivity and quality assurance while meeting deadlines.

Requirements:

  • Minimum of 3+ years of experience in underwriting Non-QM loans.
  • Strong knowledge and experience with Bank Statement, DSCR, and Asset Depletion products.
  • Experience Underwriting Non-QM roles within the last 6 months.
  • Deep understanding of underwriting guidelines, regulations, and compliance standards related to Non-QM loans.
  • Proven ability to handle a high volume of loan files while maintaining accuracy and attention to detail.
  • Excellent communication skills, both written and verbal.
  • Ability to work independently and as part of a collaborative team.
  • Strong organizational and problem-solving skills.
Salary: 90-140k plus annual bonus- exempt
Health insurance, dental, vision.  401k 50% match on the first 6% of contributions. PTO starts at 10 days a year + 11 company holidays per year.  Sick time also offered.
National Mortgage Staffing logo

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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