Mortgage Loan Closer

Genstone Financial; Tampa (FL); Hybrid; USD 58,000 - 62,000; Full time

Benefits offered by this job

Medical, Dental and Vision Insurance

Company Paid Life Insurance

Disability Insurance

Pet Insurance

401k Program with Employer Matching

Paid Holidays

Wellness Initiatives

Employee Assistance Program

Hybrid Work Schedule with Remote Flex

Job summary

Fay Servicing, headquartered in Tampa and operating nationwide, seeks a Closer to manage timely closing and funding of QM and non-QM loans. You’ll prepare and send closing documents in line with underwriting policy and investor requirements.

Responsibilities include auditing loan docs for accuracy, resolving deficiencies, and ensuring all conditions are met for successful closing and investor delivery.

Qualifications

• High School Diploma or GED required.
• 2+ years’ experience in the mortgage industry required.
• 2+ years’ experience of TRID closing and/ or funding experience preferred.
• Prior experience with Conventional, FHA, VA, Jumbo and residential non‑QM loans preferred.
• Demonstratable knowledge of federal and state mortgage regulations, including TRID requirements.
• Experience working with Loan Origination Systems (LOS), preferably Encompass.
• Solid skills and experience in MS Word, Excel and Outlook.
• Strong verbal and written communication skills.
• Strong interpersonal skills.
• Strong analytical skills.
• Solid decision‑making abilities coupled with sound judgment.
• Ability to prioritize numerous tasks and manage shifting priorities.
• Client focused with strong execution skills and results orientation.
• High‑level of precision with attention to detail and consistency.
• Flexible, open to change, ability to learn new things quickly.
• Ability to work in a collaborative environment and provide guidance for working groups.

Responsibilities

• Close and fund QM and non-QM mortgage loans that have been cleared to close by underwriting, ensuring documents comply with policy and regulations.
• Audit executed loan documents for accuracy and completeness, resolve deficiencies, and verify conditions for proper closing and funding.
• Facilitate delivery and purchase by investors by ensuring proper closing documentation.

Skills

Verbal communication

Written communication

Interpersonal skills

Analytical skills

Decision making

Prioritization

Attention to detail

Adaptability

Team collaboration

Client focus

Execution skills

Education

High School Diploma or GED

Tools

Encompass

MS Word

Excel

Outlook

Job description

Fay Servicing is a nationally recognized mortgage servicer known for delivering borrower-focused support and investor-driven results. As a subsidiary of Fay Financial and a key part of The Fay Group, Fay Servicing specializes in managing re-performing and non-performing loans, as well other specialty products like Non-QM, jumbo, business purpose loans.

Fay Servicing’s high-touch servicing model emphasizes personalized care, helping homeowners navigate escrow, payments, and hardship solutions with confidence. For clients, we offer a strategic, transparent partnership built on operational excellence, real-time reporting, and regulatory compliance. Fay’s end‑to‑end servicing capabilities cover early-stage collections, loan modifications, property preservation, and default management. We also offer interim and business purpose servicing, including the infrastructure to oversee renovations and manage rents.

Headquartered in Tampa and operating nationwide, Fay Servicing combines deep industry expertise with cutting‑edge technology to reduce risk, improve portfolio performance, and ensure an exceptional experience for both borrowers and investors.

Reporting to Originations Leadership, this position is responsible for the timely closing and funding of QM and non‑QM mortgage loans that have been cleared to close by the underwriting department. This role ensures all closing documents are prepared and sent in compliance with underwriting and credit policy guidelines, state and federal regulations, and investor requirements.

Additionally, the Closer audits executed loan documents for accuracy and completeness, identifies and resolves any deficiencies, and validates that all conditions are met for proper closing and funding in order to facilitate successful delivery and purchase by investors.

Qualifications Include:

• High School Diploma or GED required
• 2+ years’ experience in the mortgage industry required
• 2+ years’ experience of TRID closing and/ or funding experience preferred
• Prior experience with Conventional, FHA, VA, Jumbo and residential non‑QM loans preferred
• Demonstratable knowledge of federal and state mortgage regulations, including TRID requirements
• Experience working with Loan Origination Systems (LOS), preferably Encompass
• Solid skills and experience in MS Word, Excel and Outlook
• Strong verbal and written communication skills
• Strong interpersonal skills
• Strong analytical skills
• Solid decision‑making abilities coupled with sound judgment
• Ability to prioritize numerous tasks and manage shifting priorities
• Client focused with strong execution skills and results orientation
• High‑level of precision with attention to detail and consistency
• Flexible, open to change, ability to learn new things quickly
• Ability to work in a collaborative environment and provide guidance for working groups

Featured Benefits

• Medical, Dental and Vision Insurance
• Company Paid Life Insurance
• Disability Insurance
• Pet Insurance
• 401k Program with Employer Matching
• Paid Holidays
• Wellness Initiatives
• Employee Assistance Program
• Eligible for Hybrid Work Schedule with Remote Flex Days

Compensation

• The salary for this position is between $58,000.00 -$62,400 annually
• This position is eligible for an additional monthly incentive

Fay Cares!

The Fay‑Genstone Foundation was established to fulfill the philanthropic mission of The Fay Group employees to serve the communities in which they live and work. Our employees make voluntary contributions to the Foundation. Each quarter, their contributions are donated to organizations focused on improving education opportunities, combating poverty, and supporting military service members and first responders.

At Fay, we believe that the best ideas come from having a team that is diverse in backgrounds, experiences, and perspectives. We strive to ensure each of our employees feels valued, respected and included, and is presented with equal opportunities to be successful. Fay is an equal‑opportunity workplace. The Fay Group and affiliated companies participate in E‑Verify. For more information go to www.dhs.gov/E-Verify.