Job Description

The HELOC Mortgage Closer is responsible for the accurate and timely preparation, coordination, and execution of all closing documents for Home Equity Lines of Credit (HELOCs). This role serves as the primary point of contact between borrowers, title companies, attorneys, and internal teams during the final stage of the loan lifecycle — ensuring every transaction closes in full compliance with federal, state, and investor guidelines. The candidate must be comfortable in new department start up.

Primary Job Duties:

• Prepare, review, and deliver accurate HELOC closing packages, including the Closing Disclosure (CD), Note, Deed of Trust/Mortgage, and all required disclosures
• Coordinate closing dates and times with borrowers, settlement agents, title companies, and notaries
• Verify loan data integrity in the MeridianLink LOS (Loan Origination System) against approved loan conditions prior to closing
• Ensure all pre-closing/post-closing conditions are satisfied and documented before disbursement
• Calculate per diem interest, initial draw amounts, and fee figures; confirm accuracy of all closing costs
• Manage the three-day rescission period per Regulation Z/TILA requirements
• Fund loans upon receipt of executed documents and satisfaction of post-closing conditions
• Coordinate with post-closing and recording teams to ensure timely submission of documents
• Respond promptly to closing-related inquiries from borrowers, loan officers, and settlement agents
• Maintain closing pipeline reports and meet daily/weekly closing volume targets
• Identify and escalate title issues, fraud indicators, or compliance exceptions

Qualifications

• 2+ years of mortgage closing experience, with at least 1 year specifically on HELOC products.
• Solid working knowledge of HELOC product structures, draw periods, repayment terms, and lien
• positions.
• Experience with Loan Origination Software (LOS) MerdianLink preferred.
• Strong understanding of TRID, RESPA, Regulation Z, and HMDA compliance requirements.
• Ability to read and interpret title commitments, and tax transcripts.
• Excellent organizational skills and the ability to manage multiple priorities under deadline
• pressure.
• Strong written and verbal communication skills.
• Ability to wear multiple hats and complete multiple tasks with a startup mindset.

Additional Information

• Working in a growing and dynamic industry
• Full benefits: Medical, Dental, Vision, FSA/HSA, and wide array of voluntary products and discounts
• 401(k) with company match
• Paid time off
• This is a non-exempt role
• Target base salary range is 55K- 65K which is based on various factors including skills and work experience.
• In addition to base salary, this role is eligible for a competitive additional compensation program via monthly production bonus that is based on individual performance.
• LBF is an EEO/AA/Vet/Disabled Employer
• Please note that salaries that are estimated on various job sites may not reflect the actual compensation. Job sites, set the estimated salary, not Longbridge Financial.

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