Our client is seeking a highly experienced Remote Non-QM Closer to join their team. In this role, you will manage the closing process for Non-Qualified Mortgage (Non-QM) loans, ensuring that all documentation is accurate, complete, and in full compliance with regulatory standards. The ideal candidate will have heavy experience with a variety of Non-QM loan products and a deep understanding of the specific requirements associated with each. You will collaborate closely with internal and external stakeholders to ensure a smooth and timely closing process for all loans.

Key Responsibilities:

• Oversee the full closing process for Non-QM loans, ensuring that all necessary documents are completed and compliant with applicable regulations.
• Review loan files and supporting documentation to ensure completeness, accuracy, and adherence to Non-QM guidelines.
• Prepare, review, and ensure the accuracy of all closing documents, including the Closing Disclosure, loan documents, and supporting paperwork.
• Work closely with borrowers, title companies, attorneys, and internal departments to collect and ensure proper documentation is signed in a timely manner.
• Coordinate with the funding department to ensure timely disbursement of loan funds.
• Resolve any issues or discrepancies that arise during the closing process, providing timely solutions.
• Maintain communication with loan officers, processors, and other internal teams to track the status of closings and provide timely updates.
• Track and report the status of all loan closings to management.
• Stay current with industry regulations, guidelines, and best practices, specifically for Non-QM loan products.
• Deliver high-quality customer service, addressing borrower questions or concerns during the closing process.

Required Experience with Non-QM Products:
The ideal candidate will have extensive experience with various Non-QM loan products, including but not limited to:

• Bank Statement Loans – Loans for self-employed borrowers based on their bank statements rather than traditional income documentation.
• DTI (Debt-to-Income) Loans – Loans for borrowers with a high debt-to-income ratio who may not qualify under conventional loan guidelines.
• Asset Depletion Loans – Loans that use liquid assets (e.g., savings accounts, investments) to qualify borrowers who may not have traditional income sources.
• Interest-Only Loans – Loans that allow borrowers to pay only the interest for an initial period, followed by payments on the principal balance.
• Foreign National Loans – Loans available to non-U.S. residents or citizens with limited or no U.S. credit history.
• Jumbo Loans – Loans that exceed conforming loan limits and may require different documentation and criteria.
• Fix-and-Flip Loans – Loans for real estate investors seeking to purchase, renovate, and resell properties.
• Non-Warrantable Condo Loans – Loans for condominium properties that do not meet the requirements for traditional financing.
• Subprime Loans – Loans for borrowers with lower credit scores or other credit issues who may not qualify for conventional loans.

Qualifications:

• Minimum of 3 years of experience in loan closing, specifically in Non-QM (Non-Qualified Mortgage) loans.
• Extensive knowledge and hands-on experience with the specific Non-QM loan products listed above.
• Excellent attention to detail and accuracy when reviewing loan documents and closing packages.
• Strong knowledge of mortgage industry regulations, guidelines, and compliance standards.
• Ability to work independently and manage multiple files in a remote work environment.
• Strong communication skills, both written and verbal, with a focus on customer service.
• Familiarity with mortgage loan origination systems and closing software.
• Ability to prioritize tasks effectively and manage deadlines in a fast-paced environment.

Education & Experience:

• High School diploma or equivalent required; Associate’s or Bachelor’s degree preferred.
• A minimum of 3 years of experience in loan closing, specifically with Non-QM loans.

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.