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The Mortgage Closer is responsible for preparing, auditing, and finalizing closing packages to ensure mortgage loans are completed accurately, compliantly, and on schedule. This role requires strong attention to detail, knowledge of mortgage regulations, and the ability to coordinate effectively with lenders, settlement agents, title companies, and internal underwriting teams.
Key Responsibilities
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Review approved loan files to verify all required documents, conditions, and compliance requirements are met prior to closing.
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Prepare accurate closing disclosures (CDs), settlement statements, and final closing packages in accordance with TRID, RESPA, and investor guidelines.
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Coordinate closing schedules with borrowers, title companies, attorneys, and loan officers to ensure a smooth closing process.
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Confirm wire instructions and disbursement amounts; request and verify funding authorization.
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Ensure accuracy of fees, taxes, escrows, and payoffs prior to closing.
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Communicate with title/escrow partners to resolve discrepancies and update final figures.
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Upload and deliver closing documents to appropriate parties within required timelines.
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Perform final quality checks and verify all signatures and notarizations upon package return.
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Post-closing tasks including trailing documents, ensuring proper recording, and preparing files for secondary market delivery as needed.
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Maintain current knowledge of mortgage compliance regulations and investor requirements (FHA, VA, USDA, FNMA, FHLMC).
Skills & Qualifications
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Strong knowledge of mortgage closing processes, loan documents, and regulatory compliance.
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Experience with Encompass, Calyx, LendingQB, or similar LOS platforms.
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High attention to detail with excellent review and auditing skills.
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Strong communication and coordination abilities.
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Ability to work in a fast-paced, deadline-driven environment.
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Familiarity with title commitments, payoffs, closing instructions, and escrow calculations.
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