Disclosure and Closing Specialist

Direct Mortgage Loans•Anywhere, MD

9d•Remote

About The Position

Direct Mortgage Loans is seeking an experienced Disclosure & Closing Specialist to join our 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. If you are detail-oriented, organized, and enjoy working behind the scenes to keep loans moving, we’d love to hear from you.

Requirements

3–5+ years of mortgage operations experience
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
Proficiency in Microsoft Office

Nice To Haves

Experience in both loan disclosures and closings preferred
Experience with Encompass preferred

Responsibilities

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
Assist Loan Officers with disclosure-related requests and updates
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
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
Ensure all regulatory and internal requirements are met throughout the loan lifecycle
Assist with quality control audits and loan reviews as needed
Maintain organized, compliant files and documentation