Mortgage Loan Closer

Location
: 100% Remote (U.S. only, EST hours required)

Duration
: 6-month Contract-to-Hire

We are seeking an experienced Mortgage Loan Closer to join a regional bank in a fully remote capacity. This role operates on Eastern Standard Time hours and requires flexibility to work overtime during peak volume periods. The ideal candidate is detail-oriented, highly organized, and thrives in a fast-paced environment. This position offers the opportunity to convert to a full-time role after six months.

• Prepare, review, and deliver accurate Closing Disclosures (CDs) and complete closing packages
• Coordinate closely with processors, underwriters, title companies, and borrowers to ensure timely and efficient closings
• Ensure compliance with all applicable lending regulations, including TRID, RESPA, and tolerance guidelines
• Handle loan changes such as loan amount adjustments and rate extensions
• Maintain high accuracy and attention to detail in a fast-paced, deadline-driven environment
• Work extended hours when required based on business volume

• 3–10+ years of experience as a mortgage loan closer
• Encompass (LOS) experience is required
• Proven experience managing loans from initial disclosure through Closing Disclosure (CD)
• Strong experience with conventional, FHA, and refinance loans
• Hands-on experience preparing and issuing Closing Disclosures and full closing packages
• Deep understanding of TRID, RESPA, and tolerance rules
• Strong work ethic with a proactive, customer-focused mindset
• Ability to thrive in a high-volume, deadline-driven environment

• Familiarity with closing loans in New York and Texas
• Experience with CEMA or SONYMA closings
• Background in closing construction loans