Mortgage Closer: Precise Closings, On‑Site Growth

Lending Hand Mortgage; Tennessee; On-site; USD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive Base Salary

Bonus Opportunities

Paid Time Off

Paid Holidays

Training & Development

Career Advancement

Team-Oriented Culture

Job summary

Lending Hand Mortgage is seeking an experienced Mortgage Closer to join our operations team. This role manages loans from final underwriting through funding, ensuring closings are accurate, compliant, and completed on time.

The ideal candidate has strong knowledge of TRID, RESPA, TILA, and investor requirements, with a keen eye for detail, excellent communication, and the ability to coordinate with title companies, real estate professionals, and lenders in a fast-paced environment.

Qualifications

• 3–5 years of residential mortgage closing experience.
• Strong knowledge of Conventional, FHA, VA, USDA, and Jumbo mortgage products.
• Thorough understanding of TRID, RESPA, TILA, CFPB regulations, and general mortgage compliance requirements.
• Experience preparing and reviewing Closing Disclosures and settlement statements.
• Proven ability to independently balance loan files and resolve closing discrepancies.
• Strong understanding of escrow calculations, prepaid expenses, payoffs, lender credits, and seller concessions.
• Experience preparing complete closing packages for lender review and funding.
• Knowledge of funding procedures and post-closing requirements.
• Proficiency with LOS, including ARIVE, Encompass, LendingPad, or similar platforms.
• Excellent organizational, analytical, and problem-solving skills.
• Strong verbal and written communication abilities.
• Ability to manage multiple deadlines and a high-volume pipeline while maintaining accuracy.

Responsibilities

• Review approved loan files and verify all underwriting and lender conditions are satisfied prior to closing.
• Prepare and generate accurate Closing Disclosures (CDs) in compliance with TRID regulations.
• Calculate, review, and balance loan transactions with title companies, settlement agents, and lenders.
• Ensure loan fees, lender credits, seller concessions, payoffs, escrows, taxes, insurance, and cash-to-close figures are accurate.
• Prepare complete closing packages and perform a final quality control review prior to funding.
• Review Closing Disclosures against settlement statements to ensure accuracy and compliance.
• Coordinate closing schedules with borrowers, loan officers, title companies, attorneys, real estate agents, and lenders.
• Issue revised disclosures when needed and ensure regulatory timing requirements are met.
• Obtain final lender approval for closing and funding.
• Resolve balancing issues, funding discrepancies, and closing concerns in a timely manner.
• Review executed closing documents for completeness and accuracy.
• Submit funding authorization requests and coordinate funding with lenders and settlement agents.
• Ensure all documents are executed properly and received according to investor and compliance standards.
• Maintain detailed file notes and communication records within the loan origination system.
• Monitor pipeline deadlines to ensure all closings occur on or before contract and rate lock expiration dates.
• Provide outstanding customer service and communication throughout the closing process.
• Collaborate with Loan Officers, Processors, Underwriters, Loan Partners, and Post-Closing staff to ensure smooth loan delivery.

Skills

Attention to Detail

Compliance and Risk Awareness

Time Management

Organization

Accountability

Problem Solving

Communication Skills

Customer Service

Team Collaboration

Deadline Management

Tools

ARIVE

Encompass

LendingPad

Job description

Lending Hand Mortgage is seeking an experienced Mortgage Closer to join our operations team. This role manages loans from final underwriting through funding, ensuring closings are accurate, compliant, and completed on time.

The ideal candidate has strong knowledge of TRID, RESPA, TILA, and investor requirements, with a keen eye for detail, excellent communication, and the ability to coordinate with title companies, real estate professionals, and lenders in a fast-paced environment.