Freelance Mortgage Underwriter – AI Training Specialist

About the role

We are looking for experienced mortgage underwriters to join project‑based AI training assignments. As a freelance AI trainer you will evaluate and improve AI‑generated underwriting decisions for a variety of loan products.

Key responsibilities

• Evaluate AI‑generated mortgage underwriting decisions across conforming, jumbo, FHA, VA and cash‑out refinance loans.
• 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 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, underwriting or loan origination.
• Current or recent experience in underwriting, origination or adjacent roles.
• Strong written English (C1+).

Required skills

• Mortgage underwriting and loan origination.
• Income calculation for self‑employed borrowers (IRS Forms 1040, Schedule C, Schedule E, K‑1).
• Deep knowledge of Fannie Mae / Freddie Mac selling guides.
• Understanding of Reg B/ECOA, Reg Z and TRID disclosure timing rules.

What we offer

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