Mortgage Disclosure Representative

Job Type

Full-time

Description

Job Scope :

The Mortgage Disclosure representative plays a vital role in delivering an exceptional mortgage experience by ensuring timely and accurate initial disclosures, re-disclosures, and closing document preparation. This high-performing team member is accountable for maintaining compliance with all regulatory and investor requirements, driving operational efficiency, and supporting pipeline readiness from application to funding.

Essential Functions

• Prepare and deliver accurate and compliant initial disclosures, Loan Estimates (LEs), Change of Circumstance (COC) disclosures, and Closing Disclosures (CDs) within required timeframes and in accordance with TRID and investor guidelines.
• Monitor pipeline daily to identify loans requiring disclosures or re-disclosures based on file changes, rate locks, or borrower requests.
• Ensure proper documentation of disclosure activities, COC events and maintain full compliance with regulatory timelines and internal policy.
• Partner closely with loan originators, processors, and underwriters to gather required information and resolve discrepancies prior to issuing disclosures.
• Review fully executed disclosure packages for accuracy and completeness, ensuring conditions are cleared prior to funding.
• Coordinate with title companies, settlement agents, and internal stakeholders to balance Closing Disclosures.
• Maintain up-to-date knowledge of mortgage disclosure regulations while supporting process enhancements
• Perform other duties as assigned.

Requirements

Qualifications :

Experience and Education

Knowledge

Skills / Abilities

Physical Requirements / Work Environment

Salary Description

$23.04-$28.80 (Depending on Experience)