Full-Time
Underwriter
HomeXpress Mortgage
201-500 employees
Wholesale lender offering FHA/VA and non-QM
Compensation Overview
$70k - $80k/yr
Tampa, FL, USA
Remote
 Finance & Banking (1) |
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- At least 1 year of wholesale underwriting experience is required.
- At least 2 years of Non-QM experience is required.
- Knowledge of conforming and Non-QM underwriting guidelines is required.
- Knowledge of conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements, escrow and title practices, and regulatory compliance laws applicable to mortgage transactions is required.
- Strong verbal and written communication skills are required.
- Strong problem-solving skills are required.
- Excellent interpersonal, customer service, and organizational skills are required.
- A high level of mathematical aptitude is required.
- Superior knowledge of personal computers and applicable software is required.
- Clear credit, title, and other loan conditions.
- Prepare loan files for review by an underwriter to determine eligibility under company guidelines.
- Assist underwriters as needed to move the loan pipeline forward.
- Verify the completeness of credit files.
- Calculate borrower income according to investor and company guidelines.
- Confirm qualified changes of circumstances and reprice loans as needed.
- Run reports and interact with third-party vendors.
- Underwrite a minimum of 3 to 4 new loans per day.
- Review conditions in a timely manner to remain compliant with posted turn times.
- Analyze mortgage loan applications, including credit, income, assets, collateral, and compliance documents, to ensure loans meet company, investor, and regulatory guidelines.
- Review income documentation and calculate income according to investor and company guidelines.
- Review assets to determine reserves and cash to close according to investor and company guidelines.
- Ability to move between tasks quickly and respond effectively to pressure situations in a fast-paced, sometimes stressful environment.
Wholesale lender focused on non-QM financing, providing mortgage brokers access to FHA, VA, Prime Jumbo, and Conventional programs. Loans are processed through a wholesale channel and underwritten and funded by networked lender partners to serve borrowers who don’t qualify for traditional financing. The company emphasizes practical service, a strong culture, and deep leadership experience to differentiate itself in the market. Its goal is to expand access to non-traditional home financing while growing its market presence and maintaining solid partner and employee relationships.
Company Size
201-500
Company Stage
N/A
Total Funding
N/A
Headquarters
Santa Ana, California
Founded
2015
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See people who can refer or advise you
Simplify's Take
What believers are saying
- February 26, 2026 ARIVE launch expands broker access to HomeXpress pricing and products.
- Second-quarter 2026 originations hit $1.1 billion, up 23.8% sequentially and 30% yearly.
- Chimera expanded warehouse capacity to $1.65 billion in July 2026 for more lending.
What critics are saying
- Non-QM underwriting faces CFPB, state, and borrower litigation pressure after 2026 securitizations.
- HomeXpress depends on Chimera funding and securitization markets; a freeze blocks growth quickly.
- If originations miss $4 billion in 2026, Chimera's acquisition thesis weakens immediately.
What makes HomeXpress Mortgage unique
- June 2025 Chimera deal made HomeXpress a scaled non-QM origination subsidiary.
- HomeXpress sells consumer non-QM and investor business-purpose loans across 46 states plus D.C.
- Kyle Walker's team combines wholesale brokers, correspondent partners, and securitization-ready production.
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Benefits
Health Insurance
Dental Insurance
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401(k) Company Match
Paid Vacation
Growth & Insights and Company News
6 month growth
↑ 18%1 year growth
↑ 18%2 year growth
↑ 18%Chimera Investment Corporation (NYSE: CIM) has completed its acquisition of HomeXpress Mortgage Corp. for a total of $239.5 million, including $120 million in cash and 2,077,151 shares of Chimera common stock. HomeXpress, a major non-QM and Agency mortgage loan originator, will operate as a subsidiary of Chimera. The acquisition aims to enhance Chimera's residential credit asset capabilities and deliver long-term shareholder value.
Chimera Investment Corporation (NYSE: CIM) announced a definitive agreement to acquire HomeXpress Mortgage Corp. from affiliates of Seer Capital Management and certain management sellers. The acquisition, expected to be accretive to earnings in 2026, will enhance Chimera's residential credit platform by combining its loan securitization and management expertise with HomeXpress' nationwide mortgage loan origination capabilities.