Mortgage Loan Closer

Job Description

Job Description

We are looking to grow our organization by adding a mortgage closer to our tight-knit, performance-driven lending team. The ideal candidate will have years of experience processing, funding, or closing residential mortgages and possess strong problem-solving and organizational skills. If you are looking for a lucrative position where your talents can truly shine, we invite you to apply today!

Compensation:

$100,000+ at plan commission

Responsibilities:

• Prepare and execute the transfer of lender funds for disbursement
• Make certain of loan compliance for all state and federal regulations, as well as mortgage lending/ investor product and program guidelines and policies
• Review all closing conditions are satisfied and executed according to closing instructions
• Check loan closing documentation, third party orders, mortgage closing documents, and closing packages are signed and accurately prepared for the loan files
• Collaborate with loan processor and loan officer or funder from origination to close to ensure loan closing

• Interactuar de forma proactiva con clientes potenciales generados por los pilares de generación de clientes de EmpowerHome, presentando el valor de trabajar con EmpowerHome Mortgage junto con EmpowerHome Teams, y programando citas para completar y/o revisar aplicaciones de préstamos.
• Mantener disponibilidad precisa en el calendario, bloqueando horarios cuando no esté disponible para citas programadas por el Departamento de Ventas Internas de EmpowerHome.
• Completar aplicaciones de préstamos por teléfono, correo o en persona con los clientes y aprobar las divulgaciones de préstamos para su distribución. Todos los campos requeridos en la aplicación deben completarse, incluyendo información de terceros, antes de la aprobación.
• Determinar el programa de préstamos adecuado (p. ej., FHA, VA, convencional, USDA, etc.).
• Fijar precios y bloquear tasas de acuerdo con la política de la empresa.
• Revisar las aplicaciones y documentación devueltas para asegurar completitud, precisión y cumplimiento.
• Ejecutar el sistema de aseguramiento automatizado (AUS) y revisar los hallazgos y la documentación requerida.
• Preparar precalificaciones solicitadas de acuerdo con la política de la empresa. Ordenar informes de crédito, tasaciones y solicitudes de título, y hacer seguimientos regulares con los clientes y fuentes de referencia.
• Mantener comunicación regular con los solicitantes durante el proceso, ayudándoles con preguntas y notificándoles cualquier información adicional requerida.
• Enviar archivos de préstamos cumpliendo con los tiempos de entrega establecidos.
• Mantener un seguimiento de todos los préstamos en proceso, monitorear su progreso y cumplir con todos los plazos contractuales.
• Cumplir o superar los requisitos mínimos de producción.
• Completar el plan de negocios anual y reunirse regularmente con el gerente de sucursal.
• Mantenerse informado sobre tendencias y desarrollos en el mercado inmobiliario local, cambios en las normativas y regulaciones de préstamos hipotecarios.
• Mantener una imagen profesional y estándares consistentes con las políticas y procedimientos de la empresa.
• Reporta al gerente de sucursal.

• Proactively engage Buyer Leads generated by EmpowerHome Lead Generation pillars, presenting the value of working with EmpowerHome Mortgage in conjunction with EmpowerHome Teams, and scheduling appointments to complete and/or review loan applications submitted.
• Maintain accurate calendar availability, blocking when not available to take appointments that are booked by the EmpowerHome Inside Sales Department.
• Complete telephone, mail-away, and face-to-face Loan Applications with clients and approve loan disclosures for distribution to clients. All required fields in the application must be completed, including all third-party information, before approval.
• Determines proper program placement of a loan file (i.e., FHA, VA, Conventional, USDA, etc.).
• Prices loans and locks rates as per Company policy.
• Reviews returned applications and documentation for completeness, accuracy, and compliance.
• Runs AUS and reviews findings and required documentation.
• Prepares requested Pre-Qualifications as per Company policy. Orders credit reports, appraisals, and title requests. Conducts regular follow-ups with clients and referral sources.
• Maintains regular communication with applicants throughout the processing period, assisting them with any questions and notifying them of any additional information required.
• Submits the loan file, allowing for stated turn times.
• Maintains a pipeline of all loans in process, tracks their progress, and meets all contractual deadlines.
• Meets or exceeds minimum production requirements.
• Completes annual Business Plan and meets regularly with the Branch Manager.
• Keeps informed of trends and developments in the local real estate market and competitive environment, as well as changes in rules and regulations pertaining to private and government-insured mortgages.
• Maintain a professional image and standards consistent with company policies and procedures
• Reports to the Branch Manager.

Qualifications:

• Candidates must be proficient with MS Office, lending or title software, NMLS experience is desired
• Exceptional written and verbal communications skills are desired
• Advanced time management, organization, and analysis skills are needed
• Understanding of loan products such as Conventional, FHA, USDA, and VA; as well as knowledge of mortgage industry regulations from origination to post-closing is essential
• Two years of real estate mortgage processing, lending, or closing experience preferred, years of experience with banking, credit unions, or financial services funding also accepted

• Mínimo de 2 años de experiencia como Oficial de Préstamos o equivalente en la industria, o historial aceptable a criterio el Gerente de la Sucursal.

• Registro en NMLS requerido.

• Capacidad demostrada para leer, escribir y comunicarse a un nivel consistente con los requisitos del puesto, generar clientes potenciales de manera independiente y comunicarse profesionalmente con clientes actuales y anteriores.

• Conocimiento práctico de productos estándar de préstamos en la industria y familiaridad con las guías de suscripción.

• Educación secundaria o equivalente (Preferido).

• Conocimiento de regulaciones de Vivienda Justa: 1 año (Preferido)

• Experiencia en ventas: 2-3 años (Preferido).

• Experiencia en originación de préstamos: 1 año (Requerido)

• Spanish-speaking.

• Must be licensed.

• Minimum of 2 years of loan officer experience, or industry equivalent, or a Branch Manager deems history acceptable.

• NMLS registration required.

• Proven ability to read, write, and communicate at a level consistent with the requirements of this position and to generate independent leads for new business and professionally communicate with existing and past clients.

• Working knowledge of standard loan products in the industry and strong familiarity with underwriting guidelines.

• High school or equivalent (Preferred).

• Fair Housing regulations: 1 year (Preferred).

• Sales: 2-3 years (Preferred).

• Loan origination: 1 year (Required).

About Company
Our Culture

EmpowerHome is a family-owned and operated company with a mission to serve more families and make a meaningful difference in the communities where we live and work.

We care deeply about clients, our team members, our partners, and the results we create together. We value humility, ownership, growth, accountability, service, and teamwork.

At times, an important company initiative requires people from multiple departments and leadership levels to work together. We do not operate with a “that’s not my job” mentality.

We believe that titles clarify responsibility, but they should never prevent someone from helping the team succeed. When the mission requires us to come together, we step in, solve problems, and work alongside one another to get the initiative across the finish line.

EmpowerHome Team is one of the fastest-growing real estate organizations in the country and has helped over 10,000 families nationwide.