Non-QM TPO Closer

Non-QM Loan Closer

Spring EQ is a national home equity lender providing flexible and tailored financing solutions directly to consumers with a national network of experienced brokers and partners. Since its founding in 2016, Spring EQ is among the fastest growing and highest-rated home equity financing partners in the United States. Spring EQ offers a broad range of home equity products and delivers a simple and streamlined process that results in faster funding, trustworthy loans, and less frustration for consumers today.

At Spring EQ, it is our mission to empower homeowners and buyers to achieve and maximize the value of homeownership in a simple, fast, and ethical manner. Our values are to:

• Be kind and treat all people teammates, customers, and vendors with respect and consideration
• Be adaptable and embrace change
• Be accountable and take responsibility and deliver the effort to fully complete the task
• Be better and strive for continuous improvement in ourselves, our team, and the company for our customers
• Be part of the solution and solve problems, find the answers, and collaborate
• Work hard, have fun, and get things done

Spring EQ is hiring a Non-QM Loan Closer to join our rapidly growing Operations team. The ideal candidate will have at least three years of experience closing Non-QM loans, and a solid understanding of Non-QM loan products and mortgage closing procedures.

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.

Qualifications

• 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.

Healthy work-life balance.

We are committed to supporting a healthy work-life balance and fostering an environment of productivity and collaboration. This position follows a hybrid schedule for team members working in our corporate offices, combining on-site presence with remote flexibility. Our hybrid model is designed to promote teamwork and engagement while also providing the adaptability professionals need to manage their responsibilities effectively.

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

Spring EQ is an Equal Opportunity Employer. We make all employment decisions based on merit and business needs. If you require a reasonable accommodation at any stage of the hiring or employment process, please contact recruiting@springeq.com.

This position is not eligible for employer visa sponsorship. Applicants must have valid work authorization that does not require sponsorship now or in the future.