Closer/Funder

  • Homie
  • Jul 15, 2021

Job Description

Department: Homie Loans

Type: Full-time

Location: Remote

What does it mean to be a Homie? Being a Homie means compassionately looking out for others, doing the right thing even if it’s the hard thing, and showing up as your true, authentic self. At Homie, we’re a friendly group of curious dreamers and expert operators who believe the status ain’t quo. For too long, the way homes have been bought and sold has been outdated, costly, and overcomplicated. We’re here to change that. Through a combination of technology and expert, full-service agent support, Homie is simplifying the real estate process and eliminating high fees and commissions.

Homie launched in 2015. Five years later, we're one of the fastest-growing technology companies in the country and the #1 listings brokerage in the great state of Utah. With real estate, home loans, and insurance services under one roof, Homie is disrupting an industry and paving the way for what real estate can, and should, become. We’re on a mission to make homeownership affordable, easy, and accessible for all — and we’re just getting started.

Homie Values

Disruption: Real estate is ready. The time is now.
Loyalty: Homies come first — our customers, team members, and communities.
Balance: Work is an important part of your life, but it’s not your life.
Humility: Grateful isn’t dead. And there’s always more to learn.  

Job Description

  • Prepares closing loan packages necessary for individual loan types in accordance with Bank and Investor guidelines as well as Secondary Marketing commitments and requirements.

  • Ensures the timely movement and closing of approved loans through the pipeline.

  • Contacts Title Companies, Attorneys, Loan Officers, Processors and Insurance Companies to obtain documentation necessary to close mortgage loans.

  • Monitors loan status on a continual basis to ensure that timely/quality standards are achieved.

  • Advises all parties of any changes or issues that may occur to ensure high quality standards and customer service.

  • Performs a pre-closing quality review of loan files prior to releasing the closing package.

  • Reviews all preliminary documents provided from attorney/title company to include, but not limited to: Title binder, survey, termite report, Hazard/Flood insurance binder, Deed, Power of Attorney and/or Trust documentation.

  • Perform pre-funding audits to verify accuracy of loan documents and data points within the loan origination system

  • Calculate and confirm wire amount

  • Ensure pre-funding audits, wire requests and disbursements adhere to lock confirmation, loan approval and product/investor guidelines

  •  Upload funding data tape and/or funding documents to warehouse facility to initiate funding request; monitor submission for wire release and/or promptly cure deficiencies

Qualifications

  • 2+ years experience as a loan closer and funder in a high volume environment

  • Experience with Encompass (Required)

  • Recent experience with Conventional & FHA loans

Compensation: $55,000 base + $25 per loan closed per month

Required 

  • Knowledge of basic program guidelines (Conventional, FHA) as well as compliance requirements relative to the TRID Regulation

  • Experience communicating with warehouse facilities or third party vendors and acquiring their full cooperation

  • Effective PC skills including intermediate/advanced Microsoft Excel Skills

  • Excellent negotiation skills; strong analytical and problem solving skills

  • Excellent oral, verbal and written communication skills

  • Organizational skills and attention to detail are required to perform tasks in a highly efficient manner

  • Ability to effectively interact and communicate with management, peers and third party service providers

  • Must be a proactive self-starter who thrives in fast-paced environments

  • Must be dependable and flexible with work schedule (including overtime when needed) and be able to multitask/change focus on a moment’s notice in a business environment with multiple priorities

  • Ability to work well under pressure & meet deadlines

What you’ll love about working at Homie

  • Holidays: 13 paid holidays, including our very own - Homie Day! Oh, and you get your birthday off!

  • 401K retirement savings plan.

  • Time off: To begin you will receive a week of separated sick time and starting PTO at 3 weeks per year (accrual), with an increase each service year.

  • Mental health is very important to us! We have online assistance programs that include things such as virtual yoga, meditation, and even the ability to book virtual counseling.

  • Health benefits: Medical, Dental, and Vision with an HSA option. Life and Disability coverage.

  • Company stock options.

  • Discounted rates on Homie products: Title, Mortgage, Insurance, or new home purchase.

More About Homie
Homie’s Marketing Engine engages interested customers so all our professionals spend ALL of their time doing one thing - helping the customer. No prospecting, no schmoozing, and no back-scratching. Our success in Utah has led to expansions in Arizona (2019), Nevada (2020), Idaho (2020), and Colorado (2020). Our ambitions certainly don't stop here; join our team as we continue to disrupt the home-buying experience and change the real estate industry nationwide!

Our Commitment to Diversity and Inclusion
We’re committed to growing and empowering a more inclusive community within our company, industry, and cities. That’s why we hire and cultivate diverse teams of the best and brightest from all backgrounds, experiences, and perspectives. We believe that true innovation happens when everyone has room at the table and the tools, resources, and opportunities to excel.


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