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The Mortgage Closer is responsible for preparing, auditing, and finalizing closing packages to ensure mortgage loans are completed accurately, compliantly, and on schedule. This role requires strong attention to detail, knowledge of mortgage regulations, and the ability to coordinate effectively with lenders, settlement agents, title companies, and internal underwriting teams.
Job Responsibility:
Review approved loan files to verify all required documents, conditions, and compliance requirements are met prior to closing
Prepare accurate closing disclosures (CDs), settlement statements, and final closing packages in accordance with TRID, RESPA, and investor guidelines
Coordinate closing schedules with borrowers, title companies, attorneys, and loan officers to ensure a smooth closing process
Confirm wire instructions and disbursement amounts
request and verify funding authorization
Ensure accuracy of fees, taxes, escrows, and payoffs prior to closing
Communicate with title/escrow partners to resolve discrepancies and update final figures
Upload and deliver closing documents to appropriate parties within required timelines
Perform final quality checks and verify all signatures and notarizations upon package return
Post-closing tasks including trailing documents, ensuring proper recording, and preparing files for secondary market delivery as needed
Maintain current knowledge of mortgage compliance regulations and investor requirements (FHA, VA, USDA, FNMA, FHLMC)
Requirements:
Strong knowledge of mortgage closing processes, loan documents, and regulatory compliance
Experience with Encompass, Calyx, LendingQB, or similar LOS platforms
High attention to detail with excellent review and auditing skills
Strong communication and coordination abilities
Ability to work in a fast-paced, deadline-driven environment
Familiarity with title commitments, payoffs, closing instructions, and escrow calculations