Closer/Funder - Remote (AZ, CA, TX)

Homeowners Financial Group USA, LLC; Scottsdale (AZ); Remote; USD 60,000 - 95,000; Full time

Benefits offered by this job

10 paid holidays

Generous paid time off policy

Health benefits including medical/dent

401k with discretionary match

Employee tenure program

President's Club eligibility

Job summary

Homeowners Financial Group USA, LLC seeks a Closer/Funder to prepare, review, and fund mortgage loans. You will coordinate closing with borrowers, title companies, and investors while delivering high-quality customer service in a fully remote role for AZ, CA, or TX residents.

The position requires a keen eye for compliance, ability to manage a steady pipeline, and experience with common origination systems. Join a company with an award-winning culture and strong community focus.

Qualifications

• Minimum of 1 year of loan funding, processing, and/or closing experience required.
• Able to close a pipeline of 35-40+ loans a month.
• Proficient with Excel, Word, and Microsoft Outlook; strong reading of financial data.

Responsibilities

• Prepares and reviews mortgage closing documents according to file specifics and compliance.
• Manages assigned pipeline of fundings and ensures timely closing and funding.
• Coordinates with title companies, borrower's team, and investors to finalize HUD and settlement statements.
• Transmits and ships loan documentation to investors and handles post-closing tasks.

Skills

Closing loans

Pipeline management

Customer service

Communication

Detail oriented

Education

High School Diploma or equivalent

Tools

Encompass

Optimal Blue

DU/LP

Mortgage origination systems

Job description

Work for an Award Winning Company Culture!

Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the "happiest place in mortgage" and has been voted a "Best Place to Work" for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.

• Award-Winning Company Culture
• 10 paid holidays
• Generous paid time off policy
• United Healthcare Benefits including medical, Delta dental and vision, life, and disability
• Ancillary Benefits include: Mutual of Omaha, MetLaw Legal Plan, Pet Benefit Solutions
• 401k with discretionary match
• Employee tenure program
• President's Club eligibility for both Sales and Operations staff

Who We Are:

Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a "family" environment, we give back to the community through dozens of charities and we love what we do!

Who We Want:

We want a Closer/Funder that is responsible for preparing loan packages for closing as well as funding loans. The position coordinates the closing of mortgage loans with the borrower, Title Company, and other related parties. The Closer/Funder is expected to provide high-quality customer service while contributing to the Mortgage Department and Homeowners goals and objectives. The position is responsible for ensuring timely management of assigned pipeline for closing, funding, shipping, and various other post-closing functions.

Essential Duties

• This is a fully remote position for residents of Arizona, California, or Texas
• Prepares, reviews, and generates mortgage closing documents according to file specifics, department, and compliance requirements
• Inputs and confirms data required to generate Review and approves Closing package
• Audits the signed loan documents and credit package ensuring accuracy and compliance with federal and state law as well as Homeowners policies
• Manages assigned pipeline of fundings
• Ensures the final loan documents, wire requests, escrow coordination, and shipment to investor and warehouse tasks are completed timely and accurately
• Approves funding of loan
• Maintains contact with outside agencies (title companies, insurance agents, credit agencies, appraisers) in order to obtain required information/documentation while maintaining a high level of customer service
• Serves as a liaison between Homeowners and closing agent
• Coordinates corrections with title companies when necessary
• Generates, reviews, and approves HUD-I/Settlement Statement to ensure compliance
• Follows up with closing agent for final settlement statement and validates there are no unauthorized changes to the final HUD
• Remits funds to title companies and distributes loan proceeds in accordance with mortgage documentation
• Completes GFE Review according to RESPA's requirements and prepares initial disclosures
• Assists in scheduling loan closings and answers routine questions regarding the mortgage loan process maximizing profitability
• Completes post-closing audits
• Transmits and ships proper loan documentation to investors
• Assist in daily closing functions of department: deposits, reports, organizing documents, etc.
• Follows up with any post-closing issues which may arise
• Participates in Homeowners internal meetings and required trainings
• Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures

Requirements

Qualifications

• High School Diploma or equivalent required
• Minimum of 1 year of loan funding, processing, and/or closing experience required
• Able to close a pipeline of 35-40+ loans a month
• Ability to read, analyze, and interpret financial data
• Familiar with reading and interpreting insurance policies, tax information, prelims, appraisals, and settlement statements
• Proficient PC skills to include Excel, Word, and Microsoft Outlook.
• Experience with Encompass/Optimal Blue/DU/LP and major origination systems preferred
• Knowledge of MDIA and RESPA disclosure requirements
• Working knowledge of mortgage origination process, FNMA, FHA, VA, RD, and SAFE ACT guidelines
• Excellent written and verbal communication skills
• Strong customer service skills to internal and external customers
• Ability to develop positive relationships
• Exceptional organization and time management skills
• Ability to manage multiple tasks and deadlines in a fast-paced environment
• Must be able to implement written procedures
• Independent, self-starting, team player with a positive attitude

Working Conditions

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This job may require handling objects up to 10 pounds frequently and 20 pounds occasionally. While performing the duties described herein, the employee is regularly required to sit; use hands and fingers to handle or feel in addition to talking and hearing. The employee is frequently required to stand and walk. The noise level in the work environment is usually moderate. Office environment is normally climate-controlled.

Homeowners Financial Group is an Equal Opportunity Employer. All employment is decided on the basis of qualifications, merit and business need.