US Mortgage Closing Specialist (Closer)

BrokerVA; Metro Manila; Remote; PHP 702,000 - 1,228,000; Full time

Job summary

BrokerVA in the Philippines seeks an experienced Mortgage Closing Specialist to prepare Initial Closing Disclosures (CDs) for residential loans, including FHA/VA/USDA and Conventional, using Encompass LOS. Strong attention to detail and ability to manage multiple files under deadlines are essential.

You will verify loan terms, coordinate with loan officers, title/escrow, and borrowers, send disclosures, and ensure compliance with TRID and tolerance rules.

Qualifications

• 1+ year of hands-on U.S. Mortgage Closing experience.
• Experience preparing and reviewing Initial Closing Disclosures (CDs).
• Hands-on experience with Encompass LOS.
• Working knowledge of Conventional, FHA, VA, and USDA loan programs.

Responsibilities

• Review loan files and prepare Initial Closing Disclosures (CDs) on time.
• Verify borrower, property, and key loan terms (purchase price, rate, term).
• Input and verify lender, broker, title, escrow, and third-party fees.
• Review prepaid items, escrow amounts, taxes, insurance, and credits.
• Compare CD figures against the Loan Estimate and tolerance requirements.
• Send Initial Closing Disclosures to borrowers and monitor delivery/acknowledgment.
• Coordinate with Loan Officers, Processors, and Title/Escrow companies.
• Handle CD changes and redisclosures while managing multiple files under deadlines.

Skills

Mtg closing

Encompass LOS

TRID knowledge

Attention to detail

Communication skills

Tools

Encompass LOS

Job description

About the Role:

We are seeking an experienced Mortgage Closing Specialist with at least 1 year of hands‑on experience preparing and reviewing closing disclosures for residential mortgage loans.

The ideal candidate has experience handling FHA, VA, USDA, and Conventional loans and is comfortable working in Encompass LOS. This role will be responsible for preparing the Initial Closing Disclosure (CD), coordinating with the Loan Officer and other parties, sending disclosures to borrowers, and ensuring all closing figures and loan information are accurate and compliant with applicable requirements.

The candidate should have strong attention to detail, excellent follow‑up skills, and the ability to manage multiple files while meeting closing deadlines.

What You’ll Be Doing:

• Review loan files and prepare accurate Initial Closing Disclosures (CDs) on time
• Verify borrower, property, and key loan terms (purchase price, rate, term)
• Input and verify lender, broker, title, escrow, and third‑party fees
• Review prepaid items, escrow amounts, taxes, insurance, and seller/lender credits
• Compare CD figures against the Loan Estimate and check tolerance requirements
• Send Initial Closing Disclosures directly to borrowers and monitor delivery/acknowledgment
• Coordinate closely with Loan Officers, Processors, and Title/Escrow companies
• Handle CD changes, redisclosures, and manage multiple loan files under strict deadlines

What You’ll Bring:

• 1+ year of recent, hands‑on U.S. Mortgage Closing experience
• Experience preparing and reviewing Initial Closing Disclosures (CDs)
• Hands‑on experience with Encompass LOS
• Working knowledge of Conventional, FHA, VA, and USDA loan programs
• Strong understanding of mortgage fees, credits, escrows, prepaids, and closing costs
• Familiarity with TRID, LE-to-CD fee comparisons, and tolerance requirements
• Excellent attention to detail and numerical accuracy
• Strong communication and follow‑up skills to coordinate with title, escrow, and loan officers
• Must currently reside in the Philippines

Why Join BrokerVA?

• Permanent Work-From-Home Setup
• HMO Coverage for You + 2 Dependents
• 13th Month Pay
• Paid Time Off (PTO)
• Philippine Holiday Premium Pay
• Annual Performance Bonus
• Company Team Gatherings & Events
• Supportive & Collaborative Team Environment

IMPORTANT: This is a specialized Closing position. We’re specifically looking for candidates with actual, hands‑on experience preparing Closing Disclosures and managing the closing stage of U.S. mortgage loans. If your experience is mainly in general processing or post‑closing without direct closing disclosure experience, this role may not be the right fit.

If you’re ready to bring your U.S. mortgage closing expertise to a team where accuracy and experience are valued, we’d love to hear from you!