Mortgage Loan Closer Jobs in USA with Visa Sponsorship
Mortgage loan closers coordinate the final stages of real estate transactions, requiring attention to detail and knowledge of lending regulations. Most positions require specialized training or experience rather than a specific degree, making H-1B visa sponsorship challenging since the role typically doesn't meet specialty occupation requirements. For detailed occupation requirements, see the O*NET profile.
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Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role
The Loan Closer supports the final stages of the mortgage process by coordinating directly with members, title and settlement partners, and internal lending teams to deliver accurate and timely loan closings.
In this role, you will manage a pipeline of loans from clear-to-close through document preparation and closing coordination. You will review closing documentation, reconcile Closing Disclosures, schedule closings with borrowers, and help resolve issues that could delay the closing process. Success requires strong attention to detail, effective communication, sound judgment, and the ability to manage multiple deadlines in a high-volume environment.
- Review loan files and closing documents to confirm they meet company, investor, regulatory, and compliance requirements.
- Reconcile and approve Closing Disclosures before closing documents are released.
- Prepare accurate and complete closing document packages within established turn times.
- Schedule loan closings directly with borrowers and coordinate with title or settlement partners.
- Communicate clearly and professionally with members throughout the closing process.
- Identify missing, inaccurate, or inconsistent information and coordinate corrections with processing, underwriting, title, and post-closing teams.
- Maintain complete and accurate loan information and documentation within the loan origination system.
- Use checklists, job aids, and established procedures to confirm all required closing steps are completed.
- Manage a pipeline containing loans of varying products, complexity, and closing timelines.
- Prioritize files based on closing dates, document readiness, regulatory requirements, and member impact.
- Process a minimum of three files per day during normal business operations and adjust to changing production expectations established by management.
- Develop a strong understanding of the full loan lifecycle and how closing activities affect funding, post-closing, and the overall member experience.
- Consistently meet service-level expectations, quality standards, and closing deadlines.
- Work a Monday–Friday schedule within the operating hours of 8:00 a.m. to 6:00 p.m. Eastern Time.
- A minimum of 2–3 years of recent, hands-on mortgage closing experience.
- Experience personally reviewing and preparing mortgage closing documents.
- Experience reconciling and approving Closing Disclosures.
- Working knowledge of TRID requirements and their application during the closing process.
- Experience communicating directly with borrowers or members regarding closing requirements, scheduling, and issue resolution.
- Experience coordinating with title companies, settlement agents, processors, underwriters, and other lending partners.
- Ability to independently manage a pipeline of loans with competing deadlines and varying levels of complexity.
- Strong attention to detail and a demonstrated commitment to document and data accuracy.
- Strong written and verbal communication skills.
- Ability to prioritize, multitask, and make sound decisions in a deadline-driven environment.
- Ability to follow established procedures while recognizing when an issue requires escalation or additional review.
Nice to have
- Experience closing Conventional loans.
- Experience closing FHA or VA loans.
- Experience closing Home Equity loans.
- Experience using Encompass or a comparable loan origination system.
- Experience managing approximately 80–100 loan files per month.
- Experience working in a high-volume mortgage lending environment.
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The role
The Loan Closer supports the final stages of the mortgage process by coordinating directly with members, title and settlement partners, and internal lending teams to deliver accurate and timely loan closings.
In this role, you will manage a pipeline of loans from clear-to-close through document preparation and closing coordination. You will review closing documentation, reconcile Closing Disclosures, schedule closings with borrowers, and help resolve issues that could delay the closing process. Success requires strong attention to detail, effective communication, sound judgment, and the ability to manage multiple deadlines in a high-volume environment.
- Review loan files and closing documents to confirm they meet company, investor, regulatory, and compliance requirements.
- Reconcile and approve Closing Disclosures before closing documents are released.
- Prepare accurate and complete closing document packages within established turn times.
- Schedule loan closings directly with borrowers and coordinate with title or settlement partners.
- Communicate clearly and professionally with members throughout the closing process.
- Identify missing, inaccurate, or inconsistent information and coordinate corrections with processing, underwriting, title, and post-closing teams.
- Maintain complete and accurate loan information and documentation within the loan origination system.
- Use checklists, job aids, and established procedures to confirm all required closing steps are completed.
- Manage a pipeline containing loans of varying products, complexity, and closing timelines.
- Prioritize files based on closing dates, document readiness, regulatory requirements, and member impact.
- Process a minimum of three files per day during normal business operations and adjust to changing production expectations established by management.
- Develop a strong understanding of the full loan lifecycle and how closing activities affect funding, post-closing, and the overall member experience.
- Consistently meet service-level expectations, quality standards, and closing deadlines.
- Work a Monday–Friday schedule within the operating hours of 8:00 a.m. to 6:00 p.m. Eastern Time.
- A minimum of 2–3 years of recent, hands-on mortgage closing experience.
- Experience personally reviewing and preparing mortgage closing documents.
- Experience reconciling and approving Closing Disclosures.
- Working knowledge of TRID requirements and their application during the closing process.
- Experience communicating directly with borrowers or members regarding closing requirements, scheduling, and issue resolution.
- Experience coordinating with title companies, settlement agents, processors, underwriters, and other lending partners.
- Ability to independently manage a pipeline of loans with competing deadlines and varying levels of complexity.
- Strong attention to detail and a demonstrated commitment to document and data accuracy.
- Strong written and verbal communication skills.
- Ability to prioritize, multitask, and make sound decisions in a deadline-driven environment.
- Ability to follow established procedures while recognizing when an issue requires escalation or additional review.
Nice to have
- Experience closing Conventional loans.
- Experience closing FHA or VA loans.
- Experience closing Home Equity loans.
- Experience using Encompass or a comparable loan origination system.
- Experience managing approximately 80–100 loan files per month.
- Experience working in a high-volume mortgage lending environment.
Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.
See all Mortgage Loan Closer Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Loan Closer roles.
Get Access To All JobsTips for Finding Mortgage Loan Closer Jobs
Target mortgage companies with compliance roles
Focus on positions that combine loan closing with compliance oversight or risk management. These hybrid roles often require specialized knowledge that can strengthen the H-1B specialty occupation argument.
Emphasize technology and systems expertise
Highlight experience with mortgage software platforms, automated underwriting systems, or loan origination systems. Technical specialization can help differentiate your role from general administrative positions.
Consider alternative visa pathways first
If you're from Australia, Canada, or Mexico, explore E-3, TN, or other treaty visas before pursuing H-1B. The mortgage industry background may qualify under NAFTA professional categories.
Look for senior or supervisory positions
Senior loan closer roles that involve training staff, managing workflows, or overseeing compliance are more likely to meet H-1B requirements than entry-level closing positions.
Research state licensing requirements early
Some states require mortgage loan originators and processors to be licensed. Understanding these requirements upfront helps you prepare documentation and strengthens your visa application.
Network within financial services compliance
Connect with professionals in mortgage compliance, risk management, and regulatory affairs. These adjacent fields often have clearer paths to visa sponsorship than traditional closing roles.
Frequently Asked Questions
Do mortgage loan closers qualify for H-1B sponsorship?
Most mortgage loan closer positions don't qualify for H-1B visa sponsorship because they typically don't meet the specialty occupation requirement of needing a bachelor's degree in a specific field. However, senior roles that combine closing with compliance oversight, risk management, or technology systems may have stronger cases.
What degree do I need to work as a mortgage loan closer?
Most mortgage loan closer positions don't require a specific degree, though employers often prefer business, finance, or real estate backgrounds. Many professionals enter through on-the-job training or certificate programs. The lack of degree requirements makes H-1B sponsorship challenging for traditional closing roles.
Are there alternative visas for mortgage professionals from treaty countries?
Yes, professionals from Canada or Mexico may qualify for TN visa status under the NAFTA professional category for economists or management consultants if their role involves analysis or advisory functions. Australians should explore E-3 visa options, particularly for compliance-focused positions in larger financial institutions.
Which employers are most likely to sponsor visas for mortgage roles?
Large mortgage companies, banks with significant lending operations, and fintech companies are most likely to sponsor visas, particularly for roles involving compliance, technology systems, or risk management. Companies like Rocket Mortgage, Wells Fargo, and JPMorgan Chase have sponsored similar positions in the past.
How to find Mortgage Loan Closer jobs with visa sponsorship?
Use Migrate Mate to search specifically for Mortgage Loan Closer positions with visa sponsorship. Focus on banks, credit unions, mortgage companies, and financial services firms that commonly sponsor H-1B visas for finance professionals. Filter by companies known to hire international talent in loan processing and closing operations. Set up alerts for new mortgage lending positions to stay updated on opportunities.
How can I strengthen my case for mortgage industry sponsorship?
Focus on specialized skills like mortgage compliance knowledge, familiarity with regulatory frameworks, or expertise in loan origination systems. Obtain relevant certifications, pursue roles with analytical or supervisory components, and target positions that clearly require specialized knowledge beyond general administrative skills.
What is the prevailing wage requirement for sponsored Mortgage Loan Closer jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.