As a key part of The Fay Group, Genstone Financial specializes in providing smart, accessible loan solutions for both homeowners and real estate investors. Whether you're purchasing your first home, leveraging your equity, or expanding your investment portfolio, our experienced team is here to guide you every step of the way. We offer a comprehensive suite of loan products designed to meet the diverse needs of today’s borrowers. For real estate investors, Genstone Financial provides specialized lending solutions that support growth and profitability. Our experienced advisors, modern technology – and access to an integrated network of in-house services provide borrowers and investors with clarity, speed, and confidence, ensuring an exceptional experience for both borrowers and investors.
The Fay Group is a fully integrated real estate and mortgage services firm, bringing together the strength and expertise of two complementary companies – Fay Financial and Genstone Holdings. Since its founding in 2008 as a special servicer, The Fay Group has grown into a diversified enterprise overseeing more than $46 billion in assets on behalf of over 50 institutional clients. Powered by data, technology, and a team of 1,300+ professionals across 10 U.S. locations, the organization delivers coordinated solutions across the full spectrum of real estate and lending services – including loan servicing, property management, mortgage originations, renovations, and insurance. From asset creation and loan management to renovations and real estate brokerage services, The Fay Group offers end-to-end capabilities under one platform. This comprehensive approach delivers flexibility, transparency, and performance across multiple asset classes, supporting both clients and customers in all market and interest rate environments.
Reporting to Originations Leadership, this position is responsible for the timely closing and funding of QM and non-QM mortgage loans that have been cleared to close by the underwriting department. This role ensures all closing documents are prepared and sent in compliance with underwriting and credit policy guidelines, state and federal regulations, and investor requirements.
Additionally, the Closer audits executed loan documents for accuracy and completeness, identifies and resolves any deficiencies, and validates that all conditions are met for proper closing and funding in order to facilitate successful delivery and purchase by investors.
Qualifications Include:
- High School Diploma or GED required
- 2+ years’ experience in the mortgage industry required
- 2+ years’ experience of TRID closing and/ or funding experience preferred
- Prior experience with Conventional, FHA, VA, Jumbo and residential non-QM loans preferred
- Demonstratable knowledge of federal and state mortgage regulations, including TRID requirements
- Experience working with Loan Origination Systems (LOS), preferably Encompass
- Solid skills and experience in MS Word, Excel and Outlook
- Strong verbal and written communication skills
- Strong interpersonal skills
- Strong analytical skills
- Solid decision-making abilities coupled with sound judgment
- Strong time management skills
- Ability to prioritize numerous tasks and manage shifting priorities
- Client focused with strong execution skills and results orientation
- High-level of precision with attention to detail and consistency
- Flexible, open to change, ability to learn new things quickly
- Ability to work in a collaborative environment and provide guidance for working groups
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Featured Benefits
- Medical, Dental and Vision Insurance
- Company Paid Life Insurance
- Disability Insurance
- Pet Insurance
- 401k Program with Employer Matching
- 3 Weeks Paid Time Off (PTO)
- Paid Holidays
- Wellness Initiatives
- Employee Assistance Program
- Eligible for Hybrid Work Schedule with Remote Flex Days
Compensation
- The hourly range for this position is between $25.00 -$28.00 hourly
- This position is eligible for an additional monthly incentive
Fay Cares!
The Fay-Genstone Foundation was established to fulfill the philanthropic mission of The Fay Group employees to serve the communities in which they live and work. Our employees make voluntary contributions to the Foundation. Each quarter, their contributions are donated to organizations focused on improving education opportunities, combating poverty, and supporting military service members and first responders.
At Fay, we believe that the best ideas come from having a team that is diverse in backgrounds, experiences, and perspectives. We strive to ensure each of our employees feels valued, respected and included, and is presented with equal opportunities to be successful. Fay is an equal-opportunity workplace. The Fay Group and affiliated companies participate in E-Verify. For more information go to www.dhs.gov/E-Verify.
Equal Opportunity EmployerThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- High school diploma or GED
- 2 or more years of experience in the mortgage industry
- 2 or more years of TRID closing and/or funding experience
- Experience with conventional, FHA, VA, jumbo, and residential non-QM loans
- Demonstrable knowledge of federal and state mortgage regulations, including TRID requirements
- Experience working with loan origination systems, preferably Encompass
- Strong skills and experience in Microsoft Word, Excel, and Outlook
- Strong verbal and written communication skills
- Strong interpersonal skills
- Strong analytical skills
- Sound decision-making abilities and judgment
- Strong time management skills
- Ability to prioritize numerous tasks and manage shifting priorities
- Client-focused approach with strong execution and results orientation
- High precision with attention to detail and consistency
- Flexibility, openness to change, and ability to learn quickly
- Ability to work collaboratively and provide guidance to working groups
What We Do
Founded in early 2008 to address challenges created by the growing housing crisis, our company is committed to providing innovative servicing solutions for both performing and non-performing mortgages. Until recently, the existing traditional mortgage servicers were adequately able to handle the mortgages under their care. The functioning premise of their servicing models was a high volume, low delinquency approach. However, in the last two years, due to many factors, residential mortgages have begun experiencing unprecedented levels of delinquency. As a direct result, many servicers quickly found themselves overwhelmed and unable to effectively manage the resulting complications. We conducted an exhaustive analysis of the existing mortgage servicing industry and gained valuable insight into the short-comings of current mortgage servicers. Realizing that even adapting an existing approach was wrought with immense challenges including legacy portfolio issues and unproductive corporate cultures, we decided to build a new model from the ground up, the focus of which would be to benefit both the homeowners and the lenders.
