Lorna

QM and Non-QM Underwriter

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Overview

Looking for full-time work (8 hours/day)

at $14.11/hour ($2,727.26/month)

Bachelors degree

Last Active

July 7th, 2026 (2 days ago)

Member Since

October 20th, 2018

Profile Description

I have extensive experience in income calculation for various borrower types including wage earners, self-employed individuals, bank statement borrowers, P&L only files, DSCR, and WVOE scenarios. I am also proficient in interpreting AUS findings for both FNMA and FHLMC. Currently, I am expanding my knowledge by studying FHA and VA programs, specifically focusing on borrower prequalification and loan restructuring strategies to facilitate approval.
LOS:EncompassMeridian LinkLending PadArriveByteProMortgage ExpressCalyx Point
---------- Slack

Run credit reports and upload authorizations and ---------- lculate income based on pay stubs or tax returns ---------- n AUS (Automated Underwriting System) for pre-approval.Review assets to verify there are no recurring payments and confirm that funds are sufficientPrepare and condition each file for pre-approval =Order title documents via email.Upload documents through MeridianLink/Encompass for underwriter review, using proper naming conventions.Submit documents through the lender portal.Review and analyze appraisals, credit reports, income documentation, and purchase contracts.Stay current with changes in underwriting standards and maintain up-to-date information.Ensure loan files meet all lending and regulatory guidelines and ---------- lculate income for both self-employed individuals and wage earners.