Agency Closer

Company Description

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

Job Title:             Closer

Department:      Agency Operations

Reports To:        Agency Operations Manager

FLSA Status:       Non-Exempt

Management:   No

Salary Range:     $65,000 - $75,000

PRIMARY FUNCTIONS: The Mortgage Loan Closer is responsible for preparing, reviewing, and finalizing loan closing documentation to ensure accuracy and compliance with regulatory requirements and company policies. This role plays a critical part in delivering a smooth closing experience for borrowers and partners.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Audit file for completeness and accuracy
• Coordinate with brokers, escrow/title companies, and/or attorneys to schedule closings
• Prepare loan documents and ensure closing package is complete and fully compliant with federal, state, and investor guidelines
• Coordinate with settlement agents for timely funding and disbursement
• Audit executed loan documents, including HUD and TILA sections of loan packages to confirm proper execution, accuracy and compliance
• Verify accuracy of fees, payoffs, and funding amounts
• Follow up on documentation discrepancies, and communicate effectively to correct issues
• Prepare funding figures and request wire for funding after balancing with settlement agents
• Confirm all prior to funding conditions are satisfied
• Manage loan data, indexing accurately and according to company policies and procedure
• Maintain detailed records and update LOS as required
• Provide exceptional customer service to internal and external stakeholders

DESIRED PERSONAL CHARACTERISTICS:

• Strong communication and problem-solving skills
• Ability to work independently and meet deadlines
• Ability to manage multiple files in a fast-paced environment.
• Customer-focused mindset
• Detail oriented and committed to the highest quality
• Works well under pressure
• An open-minded individual that embraces change and innovation

EDUCATION:

• High School Diploma or equivalent

EXPERIENCE:

• Minimum of 3 years of recent experience as a mortgage loan closer
• Strong knowledge of mortgage documentation, compliance, and closing procedures.
• Proficiency in loan origination systems and Microsoft Office Suite.
• Excellent attention to detail and organizational skills.
• Experience with conventional, FHA, VA products
• Thorough knowledge of first mortgage real estate lending practices, including current federal regulatory requirements and state regulations
• Experience with USDA, and DPA products preferred, not required

PHYSICAL REQUIREMENTS:

• This position is in an office setting with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations

Additional Information

All your information will be kept confidential according to EEO guidelines.