Remote Non-QM Mortgage Underwriter (Non-Qualified Mortgage)

Join an Industry Trailblazer

Welcome to a company that thrives on innovation, not imitation. From humble beginnings as a niche lender with bold ideas, we've evolved into a nationally recognized leader in non-qualified mortgage solutions. Our teams aren't just adapting to the market but shaping it. You're in the right place if you're energized by redefining underwriting in a tech-driven, remote-first world. We are proud to foster a forward-thinking work environment where collaboration and curiosity fuel exceptional results. Our success has been built on the passion of individuals who challenge the status quo, think creatively, and strive to leave the mortgage industry better than they found it.

What You'll Be Doing

Dive Deep into Unique Loan Scenarios

Evaluate Specialized Loan Types

You’ll be underwriting various unique loan types, such as bank statement loans, DSCR (Debt Service Coverage Ratio), and asset depletion loans. These are not cookie-cutter files—they require insight, experience, and a strong understanding of real-world borrower circumstances. You’ll analyze diverse income streams from self-employed borrowers, property investors, and international applicants. Your ability to assess risk while being solution-oriented will be key to helping us serve a broader base of qualified borrowers.

Collaborate Like a Pro—Even Remotely

Strengthen Team Communication

Remote doesn't mean isolated. You’ll work closely with loan processors, closers, and officers to assess loan packages and determine best-fit solutions. Clear and consistent communication will be your superpower as you provide guidance on restructuring loans that don’t fit traditional molds. You’ll also collaborate with cross-functional teams to pilot underwriting innovations and explore new lending possibilities.

Uphold Credit Quality with Precision

Enforce Risk and Compliance Standards

You’ll protect the integrity of our lending operation by ensuring every decision aligns with Non-QM guidelines, investor overlays, and evolving regulatory requirements. Each loan file you touch should reflect your keen attention to detail and ability to apply policy within the gray areas that Non-QM often presents. You’ll issue concise conditions that empower processors and speed up clear-to-close timelines, creating a seamless borrower journey.

Champion Process Efficiency

Optimize and Innovate Workflows

Innovation is more than a buzzword here—it’s a mindset. You’ll be encouraged to suggest workflow improvements, test emerging technologies, and give feedback on digital underwriting tools. Whether automating redundant steps or helping roll out a new rule engine, your input will directly influence how fast and smart we work.

Where Innovation Meets Remote Comfort

Work-from-Anywhere Freedom

Redefining Flexibility

Forget rigid schedules and cubicle walls. This role lets you perform at your best from the comfort of your home, whether a city apartment or a mountain retreat. Flexibility is baked into our culture. We measure success by performance, not by presence. Your work-life balance matters; we trust you to manage your time and calendar.

Culture Without Cubicles

Staying Connected Virtually

We may be physically apart, but our culture is tightly knit. We hold monthly team-building events, celebrate wins over Zoom, and share laughs on Slack channels. From coffee chats to knowledge-sharing sessions, we ensure every voice is heard and every achievement celebrated. When you succeed, we all succeed.

Your Toolkit for Success

Streamlined Systems for Smarter Decisions

Technology That Supports Accuracy

You’ll work with modern loan origination systems and intuitive underwriting dashboards tailored for Non-QM. Our Non-QM AUS tools help you assess risk without the guesswork. Encompass and Blend integrate seamlessly with our customized platforms to reduce time on task and increase visibility into pipeline movement.

Collaboration Tools That Work

Remote Productivity Enhancers

Slack, Zoom, and Asana aren’t just tools—they’re how we build relationships and keep projects humming. AI-driven income analyzers and income scenario calculators are at your fingertips to ensure confident decision-making across non-traditional loan profiles. We provide you with a tool you will never leave searching for the right tool or support.

The Expertise We're Looking For

Qualifications that Make You Shine

Core Requirements

We’re seeking someone with at least three years of hands-on non-QM underwriting experience, particularly with bank statements, DSCR, and asset-based loans. Your familiarity with Encompass and experience using paperless underwriting platforms are crucial. We value those who can work autonomously in a fast-paced, fully remote environment while bringing enthusiasm and accountability to the table.

Extra Credit (But Not Required)

Additional Assets

It’s a bonus if you’ve worked with multiple investor guidelines or have wholesale or correspondent lending exposure. Your ability to adapt to evolving credit policies and your appetite for continued learning will help you thrive here.

Why This Role Matters

You’re the Gatekeeper of Creativity and Compliance

Balancing Innovation and Responsibility

In the Non-QM space, no two files are ever the same. That’s what makes this role exciting and impactful. You’ll play a critical role in delivering credit access to borrowers who don’t fit into traditional molds but are more than qualified to own or invest in property. Your expertise protects our credit quality and enables borrowers to seize life-changing financial opportunities.

Direct Impact, Real Results

Your Work Powers Our Mission

Every underwriting decision you make directly influences loan funding success, cycle time, and client trust. Your work doesn’t just live in a spreadsheet—it lives in the homes, businesses, and communities we support. You’ll be empowered to make meaningful calls and recognized when your judgment moves the company forward.

Perks That Go Beyond Pay

Competitive Compensation

Financial Recognition

We provide an annual base compensation of $78,785, aligned with your skills and experience. You’ll also be eligible for performance-based bonuses for underwriting volume, speed, and file quality metrics. We believe great work deserves great rewards.

Benefits That Work for You

Supporting Your Life Beyond Work

You’ll receive comprehensive medical, dental, and vision coverage and a 401(k) plan featuring employer matching. We provide a home office stipend and access to technical support so you’re set up for success from day one. Our flexible PTO policy and floating holidays support mental wellness and time away when you need it.

Growth Without Ceiling

Career Development Opportunities

We believe in growing talent from within. You’ll have access to professional development courses, Non-QM certification workshops, and a leadership development path for those looking to take the next step. Show us your ambition, and we’ll show you the runway.

Your Next Big Move Starts Here

You’ve mastered Non-QM underwriting—now it’s time to take that talent somewhere that appreciates it. Join a place where ideas are welcomed, innovation is constant, and your work shapes real outcomes. We’re not just another mortgage company—we’re a launchpad for passionate professionals who want to leave a legacy.

🚀 Apply Now and Let’s Reshape the Mortgage World, One Loan at a Time!