Job Title: Remote Due Diligence Mortgage Underwriter (1099 Contractor)

Location: Remote
Employment Type: 1099 Contract (Pay-Per-File)
Company: National Mortgage Staffing (NMS)
Start Date: Immediate

About the Role:
NMS is seeking experienced Due Diligence Mortgage Underwriters to support a project with one of our key clients. This is a remote 1099 contractor position offering flexible hours and compensation on a pay-per-file basis.  Work will be intermittent.

The ideal candidate will have a strong background in mortgage underwriting, with a focus on non-QM, DSCR, Bank Statement loans, and complex income analysis. Experience with LauraMac is required.

You will be an independent contractor of NMS, completing due diligence reviews for residential mortgage loan files. This role requires precision, efficiency, and a deep understanding of investor guidelines and secondary market requirements.

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Responsibilities:

• Perform comprehensive due diligence underwriting of residential mortgage loan files, ensuring compliance with investor guidelines and company policies

• Review and validate income, assets, credit, and collateral documentation

• Focus on complex income types, DSCR, bank statements, and non-QM loans

• Enter findings and documentation into LauraMac

• Clearly document and communicate findings or exceptions as needed

• Maintain a high level of accuracy and timeliness while managing assigned files

• Work independently and meet file delivery expectations and deadlines

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Requirements:

• 3+ years of mortgage underwriting experience, with a focus on due diligence or investor-level reviews

• Mandatory experience using LauraMac for file reviews

• Strong knowledge of DSCR, Bank Statement, and Non-QM loan products

• Proven ability to analyze complex income scenarios and make sound underwriting decisions

• Reliable internet, secure remote work environment, and ability to meet file deadlines

• Excellent written communication and documentation skills
   

  Compensation & Terms:

• 1099 Contractor

• Pay-per-file (Rate will be discussed upon interview)

• Flexible hours – work from anywhere

• Immediate onboarding for qualified candidates

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.