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Qm Underwriter Jobs (NOW HIRING)

Homexpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site

$70K - $80K/yr

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

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 ...

REAL TPO LLC

NON-QM Wholesale Mortgage Underwriter

Los Feliz, CA · On-site

$90K - $115K/yr

  • Medical

  • Retirement

  • PTO

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

NON-QM Wholesale Mortgage Underwriter

Los Feliz, CA · On-site

$90K - $115K/yr

  • Medical

  • Retirement

  • PTO

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 ...

theLender

Be Seen First

Senior Mortgage Underwriter - Trainer

Lake Forest, CA · On-site

$40 - $50/hr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

Preferred Qualifications · 2+ years of formal training or instructional experience. · Experience developing training curriculum, job aids, or assessments. · Non-QM underwriting experience. · ...

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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 18, 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 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.

Underwriter

Homexpress Mortgage Corp

Santa Ana, CA • On-site

$70K - $80K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 9 days ago

Job description

Company Description

HomeXpress - Your Leading Non-QM Mortgage Lender

Join our growing team and be part of the Top Non-QM Lender in the Business

We are known for closing mortgage loans with Speed, Ease, and Convenience

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, FNMA, & FHLMC.

HomeX also has a great company culture, tremendous growth opportunities, and competitive employee benefits

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Clear conditions, including but not limited to credit and title conditions
  • Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines
  • Assisting Underwriters as needed to move pipeline in a forward trajectory
  • Verify completeness of credit file
  • Calculate income
  • Confirm qualified Change of Circumstances and reprice loans as needed
  • Run reports and interact with various third-party vendors

Job Functions:

  • Capable of underwriting a minimum of 3-4 new loans per day.
  • Review conditions in a timely manner to remain in compliance with posted turn times.
  • Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
  • Review Income documentation and calculate income per investor and company guidelines.
  • Review Assets to determine reserves and cash to close per investor and company guidelines.

Required Knowledge:

  • Conforming and Non-QM Underwriting Guidelines
  • Strong verbal & written communications skills
  • Strong problem solving skills
  • Excellent interpersonal, customer service and organizational skills
  • High level math aptitude
  • Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
  • Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
  • Superior knowledge of personal computers and applicable software.

Job Type: Full-time

Pay: $70,000.00 - $80,000.00 per year

Benefits:

  • 401(k) matching
  • Dental insurance
  • Health insurance
  • Paid time off
  • Vision insurance

Schedule:

  • Monday to Friday

Experience:

  • Non-QM: 2 years (Required)
  • Underwriting: 2 years (Required)

Work Location: In person

Additional Information

All your information will be kept confidential according to EEO guidelines.

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