HELOC Mortgage Closer - Houston Office

The HELOC Mortgage Closer is responsible for the accurate and timely preparation, coordination, and execution of all closing documents for Home Equity Lines of Credit (HELOCs). This role serves as the primary point of contact between borrowers, title companies, attorneys, and internal teams during the final stage of the loan lifecycle — ensuring every transaction closes in full compliance with federal, state, and investor guidelines. The candidate must be comfortable in new department start up.Primary Job Duties:Prepare, review, and deliver accurate HELOC closing packages, including the Closing Disclosure (CD), Note, Deed of Trust/Mortgage, and all required disclosuresCoordinate closing dates and times with borrowers, settlement agents, title companies, and notariesVerify loan data integrity in the MeridianLink LOS (Loan Origination System) against approved loan conditions prior to closingEnsure all pre-closing/post-closing conditions are satisfied and documented before disbursementCalculate per diem interest, initial draw amounts, and fee figures; confirm accuracy of all closing costsManage the three-day rescission period per Regulation Z/TILA requirementsFund loans upon receipt of executed documents and satisfaction of post-closing conditionsCoordinate with post-closing and recording teams to ensure timely submission of documentsRespond promptly to closing-related inquiries from borrowers, loan officers, and settlement agentsMaintain closing pipeline reports and meet daily/weekly closing volume targetsIdentify and escalate title issues, fraud indicators, or compliance exceptions