Job Description
Sage Home Loans Corporation is a digital mortgage lender redefining the mortgage origination experience. As a Mortgage Loan Closer, you will ensure seamless and timely loan closings while collaborating with various stakeholders to maintain compliance and customer satisfaction.
Responsibilities
- Serve as a key point of contact for all parties throughout the closing process, including Loan Officers, Realtors, Borrowers, Attorneys, and Title Companies
- Manage loan closings to meet contract deadlines and rate lock expiration dates
- Close Conventional, FHA, and VA residential mortgages
- Ensure loan files and documentation comply with company, investor, and regulatory standards
- Verify that documents are drawn within posted turn times and consistently meet deadlines
- Process a minimum of 3 files per day during standard business operations, with flexibility for changing volume as directed by management
- Reconcile and approve Closing Disclosures, ensuring accuracy and compliance
- Review Closing Disclosures with borrowers and schedule closings
- Prepare and deliver complete, compliant closing packages
- Maintain organized and accurate digital filing of all documentation using system checklists and job aides
- Collaborate with processing, underwriting, and post-closing departments to resolve issues and ensure completeness of closing packages
- Develop an in-depth understanding of the entire loan lifecycle to anticipate and manage dependencies within the closing process
- Perform other duties as assigned
- Maintain customer satisfaction scores of 4.75 or higher
Skills
- Solid understanding of TRID guidelines and compliance requirements
- Exceptional attention to detail and commitment to accuracy
- Strong written and verbal communication skills
- Ability to manage multiple priorities independently while meeting deadlines
- Proactive and dependable work ethic with a strong sense of urgency
- Experience with Conventional, FHA, and VA loan programs
- Working knowledge of Encompass loan origination software
Benefits
- Health Insurance Coverage (medical, dental, and vision)
- Life Insurance
- Short and Long-Term Disability Insurance
- Flexible Spending Accounts
- Paid Time Off
- Holiday Pay
- 401(k) with match
- Employee Assistance Program
- Paid Parental Bonding Benefit Program
- Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That’s why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.
Company Overview
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