Senior Non-QM Underwriter | Remote Options & PTO

Dream Finders Homes; Roseville (CA); Hybrid; USD 85,000 - 120,000; Full time

Benefits offered by this job

Health Insurance

PTO & Holidays

401(k) match

Employee Wellness

Employee Assistance Programs

Home Purchase Discount for Associates

Pet Insurance

Job summary

Jet HomeLoans, LP is a National Mortgage Lender seeking a Non-QM Underwriter to handle complex non-qualified mortgage loan applications and manage an assigned pipeline. The candidate will underwrite bank-statement and other alternative-income loans while ensuring salability per investor guidelines.

The role requires knowledge of TRID/TILA/HMDA, strong communication skills, and the ability to work under pressure to meet deadlines. Remote or office-friendly environment is possible.

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 making independent underwriting decisions within established guidelines and approval authority.
• Deep knowledge of federal and state laws (e.g., TRID, TILA, ECOA and HMDA).
• Sound technical skills with the aptitude to learn/navigate loan origination software and other technologies.
• Able to write correspondence and to effectively present information to peers, borrowers and in some cases clients.
• Able to read and interpret various loan documents such as promissory notes, agency/investor and legal directives and other loan documents.
• Able to define problems, collect data, establish facts and provide information to resolve the situation.
• Able to work well under pressure and meet multiple and sometimes competing deadlines.
• Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages.
• Basic computer skills required: word processing, email, and mortgage software.

Responsibilities

• Underwriting Non-QM loans, including bank-statement and other alternative-documentation programs, with the ability to support Conventional (Fannie Mae/Freddie Mac) loans as business needs require.
• 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

Investor guidelines

Complex borrower scenarios

Federal/state laws (TRID, TILA, ECOA,

Underwriting software

Correspondence writing

Loan documents interpretation

Problem solving

Pressure management

Basic math

Mortgage software

Tools

Encompass LOS

Microsoft Excel

Job description

Jet HomeLoans, LP is a National Mortgage Lender seeking a Non-QM Underwriter to handle complex non-qualified mortgage loan applications and manage an assigned pipeline. The candidate will underwrite bank-statement and other alternative-income loans while ensuring salability per investor guidelines.

The role requires knowledge of TRID/TILA/HMDA, strong communication skills, and the ability to work under pressure to meet deadlines. Remote or office-friendly environment is possible.