Non-QM Underwriter — Complex Income Specialist

Dream Finders Homes; Fayetteville (NC); Hybrid; USD 65,000 - 95,000; Full time

Benefits offered by this job

Health Insurance

Vacation & Holidays

401(k) Savings Plan with company match

Employee Wellness

Employee Assistance Programs

Home Purchase Discount for Associates

Pet Insurance

Job summary

Dream Finders Homes seeks a Non-QM Underwriter to assess complex mortgage applications, including bank-statement and alternative-income programs. You will evaluate borrower income, assets and credit, ensure loans meet investor/insurer guidelines, and maintain a timely pipeline.

You will collaborate with sales, processing, underwriting, closing, secondary and compliance teams, stay current on TRID/TILA/HMDA and related laws, and rely on strong analytical and communication skills to make sound

Qualifications

• 3–5 years of hands-on Non-QM mortgage underwriting experience.
• Strong working knowledge of Non-QM investor guidelines, bank-statement programs and alternative income documentation.
• Experience evaluating complex borrower scenarios and independent underwriting decisions within established guidelines and approval authority.
• Deep knowledge of federal and state laws (TRID, TILA, ECOA and HMDA).
• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.

Responsibilities

• Underwriting Non-QM loans, including bank-statement and other alternative-documentation programs.
• Ensuring loans approved are salable and conform to applicable investor and insurer guidelines.
• Keeping up with the most recent investor and insurer guidelines/programs.
• Adhering to company policies and procedures.
• Analyzing borrower income, including complex self-employed income, assets and credit/liabilities documentation.
• Calculating simple and complex income types using traditional and alternative documentation.
• Ensuring loans within the assigned pipeline close timely.
• Ensuring assigned company Key Risk Indicator (KRI) and Key Performance Indicator (KPI) metrics are met.
• Reviewing and solving complex loan issues.
• Developing and cultivating great working relationships with sales, processing, underwriting, closing, secondary and compliance teams and leaders.
• Researching and responding timely to internal Quality Assurance and Quality Control reviews.
• Reporting material process and policy infractions/gaps to Underwriting Leadership.
• A Non-QM Underwriter reports directly to an Underwriting Manager.

Skills

Non-QM underwriting

Income analysis

Independent underwriting decisions

TRID/TILA/HMDA knowledge

Communication

Tools

Encompass LOS

Mortgage software

CRM systems

Job description

Dream Finders Homes seeks a Non-QM Underwriter to assess complex mortgage applications, including bank-statement and alternative-income programs. You will evaluate borrower income, assets and credit, ensure loans meet investor/insurer guidelines, and maintain a timely pipeline.

You will collaborate with sales, processing, underwriting, closing, secondary and compliance teams, stay current on TRID/TILA/HMDA and related laws, and rely on strong analytical and communication skills to make sound