Here at Lower, we believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership accessible to more people. We also know the path to get there can be daunting; but it doesn’t need to be.

As a mission-driven fintech, everything we do revolves around simplifying the home buying process. Through our growing family of companies and products, our team meets customers where they want to do business at every step of the journey.

Lower has originated, underwritten, and funded tens of billions of dollars in home loans and offers an industry-leading customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, 4.9 on Zillow, and A+ from the Better Business Bureau.

We innovate through technology, but our people are what sets us apart.

Job Description:

Purpose:

As Lower continues to expand in new markets, new channels of business and retail continue to grow, we are looking for a Senior Closer to join our existing team of superstars. We need team players that have proven closing experience and can bring their existing expertise to help support all things Closing. Attention to detail and strong time management skills are a must to be successful in this role. This position involves both independent and teamwork environments, so a successful candidate should be able to easily transition between each.

What you’ll do:

Minimum production standard of 50 closed loans monthly based on 40-hour work week with minimal overtime as necessary, or if volume does not dictate 50 loans a share of production that is in line with your peers.
Prepare Closing Disclosure and reconciling title fees with settlement agent. Verify all fees are disclosed correctly and meet compliance guidelines.
Ensure loans close in accordance with Underwriter’s approval and Thrive policies and procedures.
Ensure all loans are closed in a timely manner and in accordance with the company’s and investor’s requirements.
Electronically deliver the closing disclosure and closing documents to title/escrow companies.
Prepare closing documents per state and federal regulations.
Deal proactively with all parties involved in the loan closing to avoid and/or resolve problems at closing.
Commitment to quality work. Maintain a quality rating of less than 10% errors.
Interfaces with Post-Closing on outstanding conditions and investor stipulations.
Meet performance requirements for volume, quality, and timeliness.
Actively participate in ongoing efforts to continually improve customer service for internal and external customers.
Must have the ability to adapt well to the technology and tools that Encompass has to offer.
Ability to interact well and assist others as needed. Superior customer service skills are essential for this position.
Strong ability to cross check material for completeness and accuracy.
Ability to work efficiently under pressure and to handle tight and specific time frames.
Availability to work extended hours as the business dictates.
Committed to excellence, has strong work ethic, and takes pride in their work.

Who you are:

High school diploma or equivalent.
5+ years of experience in the mortgage industry.
2+ years of Closing experience.
Must have knowledge of applicable laws and regulations related to mortgage lending.
Must have experience with various loan types (i.e., FHLMC, FNMA, FHA, VA or conventional).
Encompass experience preferred.
Working knowledge of Microsoft Office Suite.

Why you’ll love it:

Ability to make meaningful connections across the company and industry.
You will have a direct impact on the growth at Lower and the team members that join the organization.
Ability to work independently and alongside a great team with a common mission.

When you join:

You’ll join a locally and nationally recognized best place to work that values promotion from within.

Plus:

Competitive compensation plan
Extended benefit offerings including:
- Medical/dental/vision
- Paid holidays
- Paid time off
- Parental leave
- Life/ Accident/ Critical Illness insurance
- Short- and long-term disability
- 401K with company match
- Discount on home mortgage refinances or purchases

Where you’ll work:

Work where you want! In office, remote or hybrid.

Compensation:

Base pay: $22 - $30

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.