Freelance Mortgage Underwriter – AI Training Projects

About the role

This is a freelance, project‑based opportunity to work as a Mortgage Underwriter supporting AI training initiatives. You will evaluate AI‑generated underwriting decisions, create test cases, and ensure compliance with industry guidelines while working remotely.

Key responsibilities

• Evaluate AI‑generated mortgage underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash‑out refinance).
• Create test cases involving qualifying income calculations for self‑employed borrowers using Schedule C, K‑1, and Schedule E.
• Draft and audit conditional approval letters and adverse‑action notices for Reg B/ECOA compliance.
• Distinguish Fannie Mae / Freddie Mac selling guide rules from lender overlays in jumbo and non‑conforming scenarios.
• Document problem statements clearly and provide verified correct answers.

Required profile

• Degree in Finance, Economics, Business Administration, Accounting, Real Estate or a related field.
• 3+ years of experience in mortgage lending, underwriting, or loan origination.
• Current or recent experience in underwriting/origination or adjacent roles.
• Ability to calculate qualifying income for self‑employed borrowers from IRS Forms 1040, Schedule C, Schedule E, and K‑1.
• Deep familiarity with Fannie Mae / Freddie Mac selling guides and knowledge of Reg B, Reg Z, and TRID disclosure timing rules.
• Strong written English proficiency (C1 level or higher).

Required skills

• Mortgage underwriting
• Income qualification for self‑employed borrowers
• Fannie Mae / Freddie Mac selling guide compliance
• Reg B (ECOA) compliance
• Reg Z compliance
• TRID disclosure timing

What we offer

• Project‑based freelance contract with the possibility to earn up to $50 per hour.
• Estimated workload of 10–20 hours per week during active phases.
• Remote work – you can contribute from any location.
• Opportunity to work with leading tech companies on AI evaluation projects.