Mortgage Underwriter (Non-QM Specialist)

Fairway Independent Mortgage Corporation

1d • Remote

About The Position

Are you a detail-oriented credit expert who thrives on solving complex financial puzzles? We are seeking a Mortgage Underwriter with a deep background in Non-QM and residential lending. In this role, you won’t just check boxes; you will exercise high-level judgment to evaluate risk, identify viable loan paths, and ensure the highest quality of credit decisions in a fast-paced, collaborative environment.

Requirements

• 4–6 years of mortgage experience, with at least 4+ years of residential underwriting (including second-level review/approval authority).
• Non-QM experience is required.
• Proficiency in Encompass and fraud-detection tools is highly preferred.
• Bachelor’s degree in Finance, Accounting, Economics, or Business (or equivalent career experience).
• Exceptional written communication and the ability to manage internal/external relationships under tight deadlines.
• A dedicated, quiet home workspace with high-speed internet.

Responsibilities

• Perform comprehensive reviews of loan applications, including complex income docs, tax returns, P&L statements, and appraisals to ensure total accuracy.
• Classify and qualify loans according to company and secondary market guidelines, conducting "reasonableness tests" to ensure sound business decisions.
• Rework loan terms and identify creative, compliant conditions to turn challenging files into viable credit decisions.
• Act as a bridge between Loan Originators, Processors, and Management to resolve compliance or funding hurdles with clarity and speed.
• Maintain an elite understanding of Fannie Mae (DU), Freddie Mac (LP), and emerging Non-QM products to stay ahead of market shifts.
• Ensure all files are audit-ready, maintaining acceptable turnaround times while upholding the integrity of the funding package.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 1-10 employees