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What Does a Mortgage Closer Do?

After your loan is approved by the Underwriter, it moves to the Mortgage Closer. At this point the loan is approaching the finish line!

In this final step, the Mortgage Closer looks over all the paperwork to ensure the collected data is accurate, organized properly, meets state and federal regulations, and on track for the loan to be funded.

The Mortgage Closer coordinates the closing schedule with the title company and provides them with a settlement document for review and approval. Once they have given the okay, the Mortgage Closer provides them with the complete closing package which the buyer will sign at the closing. This package includes the final loan application, loan estimate and closing disclosure, title insurance documents, deed of trust, bill of sale, affidavit of title, and tax documents, among others.

Another responsibility of the Mortgage Closer is delivery of the final loan estimate and closing disclosure to the borrowers and real estate agents so everyone can review them prior to closing.  Resolving any issues as soon as possible is important to get the loan closed on time. 

Mortgage Closers are the communication center point between all parties involved in the transaction. While assisting the borrowers with the finishing touches on their loan process they answer questions, ensure everyone is on the same timeline, and keep everything moving forward according to plan.

The role of Mortgage Closer is important in making sure the mortgage process goes as smoothly as possible.