Freelance Mortgage Underwriter – AI Training Projects

About the role

This freelance position supports AI testing projects by evaluating mortgage underwriting decisions generated by AI systems. You will work on a project‑by‑project basis, helping improve AI accuracy for leading tech companies.

Key responsibilities

• Evaluate AI‑generated underwriting decisions across loan types (conforming, jumbo, FHA, VA, cash‑out refinance).
• Create test cases for qualifying income calculations of self‑employed borrowers using Schedule C, K‑1, and Schedule E.
• Draft and audit conditional approval letters and adverse‑action notices to ensure Reg B/ECOA compliance.
• Distinguish Fannie Mae and 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, real estate, or financial services.
• Current or recent experience in underwriting, loan 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+).

Required skills

• Mortgage underwriting
• Loan origination
• Income qualification for self‑employed borrowers
• Fannie Mae selling‑guide knowledge
• Freddie Mac selling‑guide knowledge
• Reg B compliance
• Reg Z compliance
• TRID disclosure timing

What we offer

• Project‑based work with flexible hours (estimated 10‑20 hours per week during active phases).
• Compensation up to $50 per hour, depending on expertise and contribution speed.