Loan Closer

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.

• 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.

• 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.

TLS is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, age, color, religion, gender, national origin, disability, sexual orientation or veteran status.