Experienced Mortgage Closer Resume Sample for 2023

Andrew Giles

Mortgage Closer

743 Xyz Abc Road.

Chicago, IL – xxxxx

Email: email@example.com | Home: xxx-xxx-xxxx | Mobile: xxx-xxx-xxxx

Professional Summary

A career saturated with customer service and sales, focusing on mortgage, real estate title insurance, and real estate law.

Work Experience

Mortgage Closer

[Company Name]- Rockville, MD

September 2018 to June 2019

• Received and sorted each closing package according to the Closing Instructions and documented any errors.
• Reviewed closing packages to ensure all documents’ signatures and dates were accurate, including the Notes, Deed, TIL, and Right to Cancel.
• Reviewed the credit package to confirm the inclusion of Homeowner’s Insurance, Flood Insurance, and Title.
• Confirmed that the final HUD matched the LOS entry.
• Worked closely with different departments, including Funding and Recording, to ensure proper handling of all documents.
• Scanned all closing packages and loaded images into the file management system accessed by the Lenders and Title Insurers.
• Dispatched the daily shipment of closing packages to the Lenders and updated tracking information in the file management system.

Educational Qualification

Diploma in Buss. Admin Marketing

XYZ University – Rockville, MD

September 2014 to July 2016

Skills and Strengths

• Constantly striving for advancement by self-educating.
• Proficient in Microsoft Word, Excel, and PowerPoint.
• Excellent ability to effectively communicate, both written and verbally.
• Able to efficiently handle several tasks simultaneously.
• Extremely organized and dependable.
• Strong team player.
• Skilled at learning new concepts.

— References Available upon Request —

Mortgage Closer

Location – New York, NY

Experience – 9 Years

Mortgage Closer Summary:

I am highly motivated, with over twenty years of customer service experience. I have experience training new employees and project management experience regarding production improvement.

Mortgage Closer Work Role:

• Work with Title Company to assemble, prepare and verify closing documents.
• Occasionally assist title company with clearing, assisting wherever to insure timely title work.
• Prepare loan and Insurance docs to be signed at closing.
• Act as a point of contact for home buyers.

Mortgage Closer

Location – Orlando, FL

Experience – 8 Years

Job Duties:

• As a mortgage closer, my responsibilities include maintaining an open line of communication throughout the loan closing process with all parties involved (borrower, loan officer, Processor, underwriter, settlement agent, etc.) to ensure updates are communicated on time.
• Review of loan documents to ensure all underwriting, processing, and closing conditions have been cleared; review of title binder to insure first lien position and request corrections if needed; schedule loan closing, prepare final CD, and compare with initial LE to ensure compliance with loan program guidelines, and issue loan documents along with the final TIL promptly.
• Once documents have been signed, complete a post-closing audit to ensure docs have been signed and notarized correctly, obtain any missing documentation, coordinate the wire to the closing agent, and provide funding authorization.
• Met service levels and production goals that directly correlate to departmental and corporate objectives, with an average pipeline of 70 -100 monthly closings. Other duties as assigned.

Mortgage Closer

Location – Dallas, TX

Experience – 10 Years

Work Role:

• Initiate funding requests.
• Review final HUD-1 for accuracy and compliance. Reconcile within the loan origination system. Verify seller and lender credits, fund on deposit, pay off debt, and ensure borrower met minimum investment requirements.
• Follow up with closing/escrow agent to verify consummation of loan, disbursement of funds, and advise of any problems or concerns.
• Prepares all required Mortgage Loan Closing documents, including the DOT, HUD Settlement Statement, and the TIL disclosures.

Mortgage Closer

Location – Pensacola, FL

Experience – 6 Years

Work Responsibilities:

• Prepares mortgage packages for delivery to settlement companies for mortgage closing on conventional, Veteran’s Administration (VA), and Federal Housing Administration (FHA) mortgage products.
• Verifies completeness and accuracy of approved credit packages; resolves deficiencies; Ensures credit, underwriting, and property conditions of the loan approval have been satisfied before closing; Schedules settlement with the closing agent, member, seller, and realtor; Furnishes information for title binder to the closing agent and issues instructions to a closing agent of documents and conditions required for closing.
• Analyses the title binder to determine the status of the title and ensures the title binder reflects correct information for mortgagees, mortgagors, manner of title, and existing/proposed liens. Evaluates title exceptions (restrictive covenants, encroachments, easements, taxes due) to determine if they are acceptable.
• Examines property hazard insurance, flood, wind, and hail policies as applicable to confirm correct coverage, mortgagee, and lien position Reviews preliminary and final closing package including HUD-1 for Real Estate Settlement Procedures Act (RESPA) compliance.
• Reviews loan pricing to ensure the loan closes at the correct interest rate/points and correct cash-out limitations.
• Determines the closing mortgage documents to prepare based on loan type.
• Prepares documents such as loan closing instructions listing the conditions under which the closing agent must conduct settlement; the mortgage Note and Security Instrument including Riders (Planned Unit Development, Condo, Assumption); and final compliance disclosures (Truth-In-Lending, Right to Cancel, State-specific).
• Instructs lawyer or Settlement Agent to ensure that liens are paid and released following applicable Federal and State laws, compliance regulations, secondary marketing requirements, and Navy Federal’s policies and procedures.
• Confirms loan proceeds amount and initiates a request for funds by preparing a CDV and forwards to Supervisor for authorization. Authorizes release of closing packages to the closing agent.
• Performs other related duties as assigned.

Mortgage Closer

Location – Glen Allen, VA

Experience – 7 Years

Work Responsibilities:

• Receive Closing packages from Lenders to prepare for mortgage closings.
• Determine amounts to be withheld from proceeds.
• Ensure the loan is clear to close by verifying with the Lender.
• Review title reports and affidavits to ensure all title conditions have been cleared.
• Manually calculate and balance wire.
• Schedule closing time with the Buyer, Lender, and Realtors.
• Send Seller Settlement Statement to Seller’s Attorney/Title Company for review and approval.
• Proficient in reviewing mortgage contracts and title binders.
• Enter all fees on closing disclosure and match figures to Lender.

Mortgage Closer

Location – California, CA

Experience – 8 Years

Work Responsibilities:

• Coordinate Closing with attorney/title agent.
• Issue Closing Disclosure Documents.
• Underwrite closing files for investor marketability as well as federal guidelines.
• Issue the Final Package for closing to all parties.
• Wiring money on behalf of the credit union.

Mortgage Closer

Location – Westborough, MA

Experience – 6 Years

Job Responsibilities:

• Prepares settlement statements and closing disclosures utilizing lender instructions.
• Gathers and prepares documents required for closings, including payoffs, taxes, and titles.
• Completes calculations by prorating taxes and interest.
• Performs responsibilities following all applicable federal and state regulations.
• Reviews executed loan documents for processing.
• Works with closing agents, title companies, real estate attorneys, and insurance agents to ensure complete and accurate documentation.
• Clears investor conditions to confirm a smooth transition to a new investor.
• Manages side projects as needed.

Mortgage Closer

Location – Jacksonville, FL

Experience – 10 Years

Work Responsibilities:

• Prepare, review, and generate closing documents. Review and approve final HUD, HARP, and Conventional loan closing.
• Resolve closing issues make system changes, and expedite corrected documents to facilitate scheduled closings.
• Accurately prepare and transmit funding information to the client to ensure timely funding.
• Assure error-free documentation before distribution of closing packages.
• Provide excellent customer skills to internal and external clients. Ensure all closing needs are met within the committed time frame.
• Assure error-free documentation before distribution of closing packages.
• Reviewed all supporting documents for federal, state, and company compliance.
• Coordinated closings with borrowers and Title Companies.
• Reviewed executed closing package for accuracy before sending it to funding for loan disbursement.

Mortgage Closer

Location – Newtown, CT

Experience – 12 Years

Mortgage Closer Job Duties:

• Prepare closing documents – responsible for preparing all loan-closing documents and ensuring they are accurate to have a fully compliant mortgage loan.
• Carefully review all documents for errors and confirm that pricing and program are correct to ensure the loan will be funded.
• Communicate with applicants, attorneys, closing agents, and vendors to answer questions and resolve any issues.
• Communicate with title companies to gather all necessary information for accurate document preparation and coordinate delivery of the documents before closing.
• Review all closing details to ensure compliance with state and federal regulations.
• Make sure that all terms of the loan are met. Work with borrowers and title companies on any outstanding closing conditions required to fund the loan.
• At the closing, deal with all parties involved to resolve any problems.

Mortgage Closer

Location – Glen Allen, VA

Experience – 15 Years

Work Experience:

• Maintains strong working knowledge of the mortgage lending industry, including regulatory and compliance issues.
• Reviews and approves the Closing Disclosure during collaboration with the title company and coordinate with the title company on any necessary revisions.
• Prepares the Initial and Final Closing disclosures and can balance with a closing agent before sending the final loan document package.
• Ability to interact with the Loan Officer, Loan Processor, and Underwriter to ensure that all underwriting requirements are met.
• Prepared all required Mortgage Loan Closing documents, including, but not limited to, Promissory Note, Deed of Trust, Closing Disclosures, and any other documents necessary for closing.
• Utilized basic accounting skills to balance wire disbursements.
• Reviews closing and funding conditions from the underwriter that must be met before closing and funding to ensure all required pre-closing conditions are satisfied.
• Generates, reviews, and approves closing packages and closing figures.
• Calculates wire amount for each loan package, balances figures with the settlement agent, and prepares wire requests for funding of each loan.
• Review funding docs for accuracy and issue final funding numbers.

Mortgage Closer

Location – Glen Allen, VA

Experience – 7 Years

Work Duties:

• Competently managed and closed all assigned loans, enabling fast closings free from errors.
• Verified that the underwriter’s loan conditions are satisfied and collateral documents are signed properly.
• Reviewed and reconciled HUD settlement statements prior to closing for borrower’s information, account payoffs, homeowners insurance, property taxes, and other pertinent closing information.
• Created wire initiation and transmitted disbursement of funds on closed loans.
• Nominated for four Customer Service Excellence awards and was selected as a winner.
• Consistently one of the top-producing closers and a leader in customer loyalty.

Skills:

• Excellent communication skills.
• Database management.
• Customer service-oriented.
• Accurate and detailed.
• Works well under pressure.
• Advanced clerical knowledge.
• Official Notary of the Public.
• Professional phone etiquette.

Mortgage Closer

Location  – Chicago, IL

Experience – 6 Years

Responsibilities:

• Schedules closings and complies with and edits closing documents.
• Prepares Closing Disclosures under new government regulations.
• Specialized in new TRID process r fluster in [year] for home mortgage loans.
• Assemble, prepare, and review critical closing documents for mortgage loans and ensure they are accurate to be fully compliant.
• Process personal and savings loans through the bank’s core operating system.
• Prepare mortgage files to be uploaded into the bank’s mortgage database.

Mortgage Closer

Location – Jacksonville, FL

Experience – 8 Years

Work Experience:

• Prepare, review, and generate closing documents according to client specifications to ensure all compliance requirements are met.
• Review and approve Final HUD, working effectively with the designated Processor to clear any issues.
• Resolved closing issues, made system changes, and expedited corrected documents to facilitate scheduled closings.
• Accurately prepare and transmit funding information to the client to ensure timely funding.
• Ensure all closing needs are met within committed time frames.
• Assure error-free documentation before distribution of closing packages.
• Ensure customer service surveys maintain the rating level designated by management.

Mortgage Closer

Location – Alhambra, CA

Experience – 5 Years

Work Experience:

• Prepares closing loan packages necessary for individual loan types following Bank and Investor guidelines and Secondary Marketing commitments and requirements.
• Ensures the timely movement and closing of approved loans through the pipeline.
• Performs a pre-closing quality review of loan files to ensure that the Closing Disclosures match the title settlement statements.
• Completes all disbursement procedures for issuing the funds to Title Company, necessary refund checks, and release of escrow monies withheld.
• Complies with Bank Policies and Procedures and keeps abreast of industry regulations and changes.

Mortgage Closer

Location – New York, NY

Experience – 13 Years

Work Duties:

• Proficient in Microsoft Word, Excel, Office, and OES internal mortgage applications.
• Work closely with closing agents and loan officers to ensure documents needed for the pre-closing conditions have been received on time.
• Ensure the closing charges/refunds from the closing agent have been entered into the application correctly.
• Sent out initial closing disclosure, re-disclosure, and final closing disclosures.
• Scheduled the date of closing with the loan officer and closing agent.
• Reviewed, returned, and executed closing documents for accuracy for funding authorization.
• Prepared closing packages for purchases, refinance and fixed and arm loans.
• Interact with settlement agents to ensure settlement instructions are followed.
• Reviewed and verified all conditions are cleared.
• Approved HUD 1, final TIL, and GFE for closing with all final numbers.
• Prepared closing documents in Declutch and Doc Magic.
• Sent final Note and Mortgage to the warehouse for funding.