Closer at The Loan Store, Inc. – Tucson, Arizona

Job Summary:
The Mortgage Closer is responsible for preparing, reviewing, and ensuring the timely and compliant closing of residential mortgage loans, including Conventional, Government (FHA, VA, USDA), Non-Qualified Mortgage (Non-QM), and Non-Delegated loans. This role plays a key part in the final stage of the mortgage process, coordinating between internal teams, title companies, and external partners to deliver a smooth closing and funding experience for all stakeholders.
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Key Responsibilities:
• Prepare and audit accurate closing documentation in accordance with the loan approval, underwriting conditions, and applicable guidelines.
• Handle a pipeline that includes Non-QM and Non-Delegated loans, ensuring compliance with program-specific documentation and investor requirements.
• Review and approve final Closing Disclosures (CDs) and Final HUD1 in collaboration with title/settlement agents.
• Confirm accurate wiring instructions.
• Communicate effectively with internal and external partners to ensure timely closings.
• Identify and resolve discrepancies in fees, loan terms, or borrower information to ensure data integrity.
• Stay up to date with evolving investor guidelines, compliance requirements (e.g., TRID, RESPA, HMDA), and non-traditional underwriting/closing standards.
• Manage re-disclosures and last-minute changes with efficiency and compliance.
• Review and respond to Post-Closing, Insuring and Quality Control audit findings.
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Qualifications:
• High school diploma or equivalent required; associate or bachelor’s degree preferred.
• Minimum 2–3 years of experience in mortgage closing, including direct experience with Non-QM and Non-Delegated loans.
• Strong knowledge of agency (Fannie Mae, Freddie Mac), FHA/VA, USDA, and non-agency investor closing requirements.
• Understanding of complex loan products and documentation standards, particularly for Non-QM loans.
• High level of accuracy and attention to detail, especially in calculating fees, cures and loan terms.
• Proficient in loan origination systems such as Encompass, and comfortable working in a paperless, high-volume environment.
• Effective communication, organization, and time-management skills.

• Ability to adapt quickly to changes in procedures, volume, and investor requirements.