At Exponential Mortgage, Inc. , we're building more than just a mortgage platform, we're creating a smarter, faster, and more personal way to finance homes. Powered by advanced AI and automation, our platform accelerates the loan process, reduces manual paperwork, and gives borrowers and lenders unprecedented clarity. But what truly sets us apart is our unwavering commitment to exceptional customer service.
We combine 24/7 intelligent assistance with live human support so our clients are never left waiting or wondering. We're looking for a meticulous and client-focused Closing Specialist to join our team and help us deliver a stress-free closing experience for every borrower.
As a Remote Closing Specialist, you will be the final link in the loan process, ensuring that every mortgage closes smoothly, accurately, and on time. You will coordinate with loan officers, processors, underwriters, title companies, and borrowers to prepare closing disclosures, review final documents, and resolve any last-minute issues. Your attention to detail and commitment to compliance will protect both the borrower and the company.
You will work remotely, leveraging our AI-powered platform to manage files efficiently while providing the "human touch" that Exponential Mortgage is known for.
- Closing Coordination: Manage the final stages of the loan process, scheduling closings with borrowers, sellers, real estate agents, and title companies.
- Document Preparation: Prepare and review Closing Disclosures (CD), Initial Escrow statements, and all final loan documents for accuracy and compliance.
- Compliance Review: Ensure all closing documents adhere to federal, state, and investor guidelines, including TRID regulations and NMLS requirements.
- Communication: Serve as the primary point of contact for all parties during the closing process, providing clear, jargon-free updates and answering questions via phone, email, and chat.
- Problem Resolution: Proactively identify and resolve issues that could delay closing (e.g., title issues, document errors, funding discrepancies).
- Funding Coordination: Work with the treasury/funding department to ensure funds are wired correctly and on time.
- Post-Closing Handoff: Ensure all signed documents are collected and delivered to the post-closing or secondary marketing team for investor delivery.
- Client Experience: Deliver a stress-free closing experience by guiding borrowers through the final steps with empathy and clarity.
- Experience: Minimum 1 years of experience as a Closing Specialist, Closer, or similar role in the mortgage industry.
- Regulatory Knowledge: Strong understanding of TRID (TILA-RESPA Integrated Disclosure) rules, closing procedures, and mortgage compliance.
- Tech Proficiency: Experience with Loan Origination Systems (LOS) such as Encompass, Blink, or similar platforms. Comfortable working with AI-driven tools and automation.
- Detail-Oriented: Exceptional accuracy in reviewing complex legal and financial documents.
- Communication: Excellent written and verbal communication skills; ability to explain complex concepts in simple terms.
- Problem-Solving: Calm under pressure with a knack for resolving last-minute issues creatively and efficiently.
- Remote Readiness: Self-motivated with a dedicated home office, high-speed internet, and the ability to work independently.
- Availability: Flexibility to work core hours aligned with Eastern Time Zone (ET) and occasional evening/weekend closings as needed.
- Experience with high-volume mortgage lending.
- Notary Public certification (preferred but not required).
- Bilingual skills (Spanish, Mandarin, or Korean) are a plus, reflecting the diverse communities Exponential serves.
- Salary: $55,000−$70,000
- $55,000−$70,000 per year (commensurate with experience)
- Performance Bonus: Quarterly bonus potential based on closing volume and accuracy (up to 10% of annual salary)
- Work Schedule: Full-time, Monday-Friday with flexibility for early morning or evening closings as needed
- Health & Wellness: Comprehensive medical, dental, and vision insurance (employer covers 80% of premiums)
- Paid Time Off: 15 days paid vacation + 10 paid holidays + 2 floating holidays + sick leave
- Retirement: 401(k) plan with company match up to 4%
- Remote Work Stipend: Monthly $75
- $75 stipend for internet and home office expenses
- Professional Development: Annual $1,000
- $1,000 allowance for continuing education, certifications, or industry conferences
- Parental Leave: 8 weeks fully paid parental leave for eligible employees
- Technology Provided: Company-issued laptop and necessary equipment
- Wellness Days: One paid "Mental Health Day" per quarter (no questions asked)
- Virtual Culture: Regular team virtual gatherings, annual in-person retreat (expenses paid), and a supportive remote-first culture
- Mission-Driven: Be part of a company that truly believes in "Smarter Mortgages. Simpler Lives."
- Innovation: Work with cutting-edge AI and automation tools that make your job easier and more efficient.
- Growth: We're growing fast—there are real opportunities for advancement as we scale.
- Team Culture: Join a collaborative, supportive team that values your expertise and your well-being.
- Impact: Play a critical role in helping families achieve the dream of homeownership.