Spring EQ · 19 hours ago
Non-QM TPO Closer
Charlotte, NC
Full-time
Onsite
Senior Level
5+ years expSpring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers. They are seeking a Non-QM Loan Closer to manage loan files, ensure compliance, and coordinate with various teams throughout the mortgage closing process.
FinanceFinancial ServicesMortgageService Industry
No H1B
Responsibilities
Manage Non-QM loan files from CTC through funding and post-closing, ensuring adherence to investor guidelines, regulatory requirements, and internal policies
Review closing request forms, title commitments, final Closing Disclosures (CDs), and settlement statements for accuracy, completeness, and compliance
Coordinate with brokers, broker processors, title/settlement agents, and internal underwriting, compliance, and funding teams to balance final figures and resolve discrepancies
Prepare and issue closing instructions to title companies and settlement agents
Validate conditions, trailing documents, and stipulations required for funding
Ensure proper vesting, entity documentation and personal guaranties (if applicable) are satisfied
Confirm compliance with state-specific and investor-specific closing requirements, including disclosures, rescission timelines, and signature requirements
Track closing timelines and proactively escalate delays or issues that may impact funding
Perform final quality control review prior to funding authorization
Maintain accurate and complete loan file documentation in the LOS and document management systems
Support post-closing by ensuring delivery of final documents and resolution of trailing conditions
Qualification
Required
At least three years of experience closing Non-QM loans
Solid understanding of Non-QM loan products and mortgage closing procedures
Minimum of 5 years of mortgage closing experience, with at least 3 years specifically in Non-QM, DSCR, or investor-focused lending
Strong knowledge of Non-QM loan products, including bank statement, DSCR, asset-based, and investor programs
Working knowledge of TRID, RESPA, TILA, and state-specific closing regulations
Experience balancing Closing Disclosures and settlement statements with title and brokers
Proficiency with LOS platforms (e.g., Blue Sage, Encompass, or similar) and document preparation systems (e.g., Docutech or equivalent)
High attention to detail and strong organizational skills in a deadline-driven environment
Benefits
401k Company Match
Annual Charitable Matching Gift Program
Commuter Benefits
Company Holidays
Credit Union Membership
Dental Insurance
Dependent Care Plan
Disability Insurance
Employee Assistance Program
Life Insurance
Medical Insurance
Paid Time Off Plan
Vision Insurance
Weekly Non-Management Dinner Benefit
Company
Spring EQ
Spring EQ aims for the goals of homeowners by providing visibility & access to their home's equity.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
unknown2023-08-31Acquired
Leadership Team
Curt James
SVP & CFO
Recent News
2025-09-13
FinTech Global
2025-09-11
2025-09-10
Company data provided by crunchbase