Freelance Mortgage Underwriter – AI Trainer

About the role

Join a project‑based AI training initiative as a freelance mortgage underwriting specialist. You will help evaluate and improve AI‑generated underwriting decisions for a range of loan products, working remotely on a flexible schedule.

Key responsibilities

• Evaluate AI‑generated mortgage underwriting decisions across conforming, jumbo, FHA, VA, and cash‑out refinance loans.
• Create test cases that involve 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 to ensure 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 underwriting, loan origination or related financial‑services roles.
• Current or recent hands‑on experience underwriting self‑employed income using IRS Forms 1040, Schedule C, Schedule E and K‑1.
• Deep familiarity with Fannie Mae and 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
• Loan origination
• Income calculation for self‑employed (IRS Forms 1040, Schedule C, Schedule E, K‑1)
• Fannie Mae/Freddie Mac selling‑guide expertise
• Reg B compliance
• Reg Z compliance
• TRID compliance

What we offer

• Project‑based work with an estimated 10‑20 hours per week during active phases.
• Compensation up to $50 per hour, depending on expertise and contribution speed.
• Remote flexibility and the opportunity to influence AI systems used by leading tech companies.