Disclosure and Closing Specialist

About the role

Direct Mortgage Loans is seeking an experienced Disclosure Closing Specialist to join their Operations team. This role is ideal for someone who thrives in a fast-paced mortgage environment and has experience managing both the beginning and final stages of the loan process. As a Loan Fulfillment Specialist, you will handle initial disclosures, coordinate appraisals, prepare closing documents, fund loans, and ensure files move efficiently through the pipeline. This is a critical role that helps create a smooth experience for both our borrowers and internal teams.

What You’ll Do

• Prepare and send all initial disclosures for new loan applications
• Complete and track all required re-disclosures, including Closing Disclosures
• Monitor timelines to ensure compliance with TRID requirements
• Absorb and update Loan Officers with disclosure-related requests
• Order appraisals, Certificates of Eligibility (COEs), and re-inspections for VA loans
• Facilitate appraisal and case transfers for FHA and VA loans
• Maintain accurate borrower and loan contacts in the system

Loan Closing

• Review loan files for accuracy, completeness, and readiness for closing
• Confirm underwriting and closing conditions have been satisfied
• Prepare and deliver closing documents to settlement agents
• Review Closing Disclosures for accuracy and resolve discrepancies
• Balance loans to determine funding amounts
• Prepare wire requests and funding instructions
• Fund loans in accordance with company policies and investor guidelines
• Review final closing packages and transfer files to Post Closing Compliance

Quality Control

• Ensure all regulatory and internal requirements are met throughout the loan lifecycle
• Absorb with quality control audits and loan reviews as needed
• Maintain organized, compliant files and documentation

What We’re Looking For

• 3–5+ years of mortgage operations experience
• Experience In Both Loan Disclosures And Closings Preferred
• Strong knowledge of conventional, FHA, and VA loan products
• Understanding of TRID, RESPA, and mortgage compliance requirements
• Strong attention to detail and ability to manage deadlines
• Excellent communication and problem-solving skills
• Experience With Encompass Preferred
• Proficiency in Microsoft Office

Why Join Direct Mortgage Loans?

At Direct Mortgage Loans, they pride themselves on building strong teams, supporting professional growth, and creating a collaborative environment where employees can succeed. Join a company that values efficiency, teamwork, and delivering exceptional service to their clients.