Position Overview:

The Mortgage Processor/Closer will be responsible for managing the mortgage loan process from the point of application to closing. This role requires strong attention to detail, organizational skills, and a deep understanding of mortgage documentation and disclosures. The ideal candidate will have a strong background in mortgage processing and closing, with expertise in issuing disclosures accurately and in a timely manner. This is a remote position, offering the flexibility to work from home while maintaining high standards of performance, however you must reside in Eastern or Central time zone and work in the Eastern Time Zone

Key Responsibilities:

• Loan Processing: Review and process mortgage loan applications, ensuring that all necessary documentation is collected, verified, and in compliance with regulatory and company standards.
• Issuing Disclosures: Ensure that initial and updated disclosures (TIL, LE, CD, etc.) are issued accurately and in accordance with regulatory timelines (e.g., TRID requirements). Confirm that all disclosures are sent to borrowers in a timely manner.
• Loan Closing Preparation: Coordinate with underwriting, title, and other departments to prepare loans for closing. Ensure that all conditions are met, and necessary documents are finalized and ready for the closing table.
• Communication with Borrowers: Maintain communication with borrowers throughout the loan process, addressing any questions or concerns regarding documentation, disclosures, or the overall loan process.
• Compliance: Ensure that all mortgage transactions comply with company policies, federal and state regulations, and investor requirements. Maintain accurate and complete loan files.
• Closing Coordination: Work closely with the closing team to ensure a smooth and timely closing. Ensure that all required documents are reviewed, prepared, and signed by the borrower.
• Problem Resolution: Address and resolve any issues or discrepancies in the loan file that may delay processing or closing, including liaising with underwriters, title companies, and other third parties.
• Documentation: Ensure all loan documents are accurate and complete, and that they are filed correctly to meet regulatory requirements.

Qualifications:

• Experience: Minimum of 3-5 years of experience as a Mortgage Processor/Closer, with a strong understanding of both processing and closing procedures.
• Disclosures Expertise: Proven experience in issuing initial disclosures (Loan Estimate, TILA) and closing disclosures (Closing Disclosure) in compliance with TRID and other regulatory guidelines.
• Knowledge of Mortgage Products: Strong knowledge of various mortgage products (Conventional, FHA, VA, Non-QM, etc.) and their respective processing and closing requirements.
• Attention to Detail: High level of accuracy and attention to detail, ensuring that all documentation is complete and compliant.
• Communication Skills: Excellent verbal and written communication skills, with the ability to work effectively with borrowers, underwriters, title companies, and other parties.
• Problem-Solving: Strong critical thinking and problem-solving skills, with the ability to resolve issues efficiently to prevent delays in processing and closing.
• Time Management: Ability to manage multiple files and deadlines in a fast-paced environment, ensuring timely processing and closing.
• Technology Proficiency: Familiarity with mortgage loan origination systems (LOS), document management software, and Microsoft Office Suite. Experience with TRID-compliant systems is a plus.
• Remote Work Capability: Ability to work independently and effectively in a remote environment, with a reliable internet connection and a dedicated workspace.

Preferred Qualifications:

• Familiarity with investor-specific requirements and documentation (Fannie Mae, Freddie Mac, etc.).
• Experience with a variety of loan types, including Conventional, FHA, VA, and Non-QM loans.
• Knowledge of state-specific regulatory requirements for mortgage processing and closing.

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.