Mortgage Closer - West Coast remote

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

The Mortgage Closer is responsible for managing residential mortgage loans from “clear to close” through funding, ensuring accuracy, compliance, and timely execution. This role requires strong attention to detail, the ability to efficiently manage a high-volume pipeline, and close collaboration with internal teams and external partners to deliver a seamless closing experience for borrowers. The ideal candidate thrives in a fast-paced environment and consistently meets service level agreements while maintaining high quality standards. 

Hours: 9am - 6pm PST

Compensation: $26-32/hour + production incentive

Duties and Responsibilities: 

• Manage a high-volume pipeline of loans from clear to close through funding. 

• Prepare, review, and issue accurate closing disclosures and closing documents in compliance with all federal, state, and investor guidelines. 

• Ensure closing documents are sent within established 24–48 hour SLAs. 

• Coordinate with borrowers, title companies, settlement agents, lenders, and internal teams to resolve conditions and facilitate timely closings. 

• Review loan files for accuracy, completeness, and compliance prior to closing. 

• Minimize post-closing conditions and errors by maintaining strong quality control standards. 

• Maintain clear and proactive communication with all parties throughout the closing process. 

• Accurately update loan status and notes in the loan origination system. 

• Meet or exceed monthly production and quality benchmarks. 

Position Specifications/Requirement:  

• Minimum of 1-3 years of experience as a Mortgage Closer in a high-volume environment. 

• Strong knowledge of mortgage closing documents, TRID regulations, and compliance requirements. 

• Experience working with various loan programs (Conventional, FHA, VA, USDA preferred). 

• Proficiency with loan origination systems and document preparation tools. 

• Exceptional organizational skills with the ability to prioritize and manage deadlines. 

• Strong attention to detail and commitment to accuracy. 

• Excellent written and verbal communication skills. 

• Ability to work independently while collaborating effectively with cross-functional teams. 

 Minimum Expectations: 

• Efficiently manage a large pipeline with minimal supervision. 

• Maintain a high level of accuracy and attention to detail. 

• Close 55+ units per month consistently. 

• Deliver closings with little to no post-closing errors. 

• Issue closing documents within 24–48 hour SLAs. 

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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