Loan Closer

The Loan Store, Inc.; Tucson, Northern (AZ, KY); Hybrid; USD 55,000 - 75,000; Full time

Job summary

The Loan Store, Inc. seeks a Mortgage Closer in Tucson to lead the final-stage closing of residential loans, including Conventional, Government (FHA/VA/USDA), Non-QM and Non-Delegated transactions.

You will coordinate with internal teams, title companies, and external partners to ensure accurate, timely closings and funding. The role requires 2–3 years in mortgage closing, strong knowledge of agency and investor requirements, and proficiency with Encompass in a fast-paced, paperless environment.

Qualifications

• 2–3 years mortgage closing experience, including Non-QM and Non-Delegated loans.
• Solid understanding of agency, FHA/VA/USDA, and non-agency investor requirements.
• Detail-oriented with accuracy in fees, cures, and loan terms.
• Familiarity with TRID, RESPA, HMDA guidelines.

Responsibilities

• Prepare and audit closing docs in line with approvals and guidelines.
• Manage a pipeline including Non-QM and Non-Delegated loans.
• Review and approve Closing Disclosures ( CDs ) and Final HUD1 with title/settlement agents.
• Confirm accurate wiring instructions.
• Communicate with internal and external partners to ensure timely closings.
• Identify and resolve discrepancies in fees, terms, borrower data.
• Stay updated with investor guidelines and non-traditional closing standards.
• Manage re-disclosures and last-minute changes.
• Review Post-Closing, Insuring and Quality Control audit findings.

Skills

Non-QM loans

Encompass

Closing documentation

TRID/RESPA compliance

Attention to detail

Education

High school diploma or equivalent

Associate or Bachelor's degree preferred

Tools

Encompass

Job description

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.

Key Responsibilities

• 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.

Qualifications

• 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.