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

MUST BE LOCATED IN HAWAII

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.

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.

Qualifications:

• • High school diploma or equivalent required; associate or bachelor’s degree preferred.
• Must have active LO License.
  • 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.