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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 Home Equity Closing team manages the final stages of the loan process by working directly with members and title partners to schedule closings, prepare accurate closing packages, and keep loans moving efficiently.
As a Home Equity Loan Closer, you will ensure closing files and documents meet company, investor, and regulatory requirements while delivering an accurate and timely closing experience for our members. This role requires strong attention to detail, sound judgment, effective cross-functional communication, and the ability to manage multiple deadlines in a fast-paced environment.
This position is based in Frisco, TX or Charlotte, NC and follows a hybrid schedule with an expectation of working onsite at least two days per week.
What you’ll do:- Review closing files and documents to ensure they meet company, investor, and compliance requirements.
- Confirm closing documents are prepared within established turn times and consistently meet required deadlines.
- Process a minimum of three files per day during normal business operations and meet fluctuating production expectations established by management.
- Reconcile and approve Closing Disclosures.
- Prepare accurate and complete closing documents and packages.
- Schedule loan closings directly with borrowers.
- Coordinate with title and settlement partners to keep closings moving and resolve outstanding issues.
- Accurately enter, review, and maintain loan documents and information within the loan origination system.
- Use checklists and job aids to confirm all required information is complete and accurate.
- Partner with processing, underwriting, and post-closing teams to correct issues and complete closings.
- Prioritize a pipeline of loans with varying products, deadlines, and levels of complexity.
- Develop an in-depth understanding of the loan life cycle and how closing activities affect members and downstream teams.
- Two or more years of recent mortgage loan closing experience.
- Experience reviewing and preparing mortgage closing documents.
- Experience communicating directly with borrowers or members throughout the closing process.
- Working knowledge of TRID requirements and Closing Disclosures.
- Conventional mortgage loan experience.
- Ability to manage a mixed loan pipeline while meeting production and turnaround-time expectations.
- Strong attention to detail and commitment to accuracy.
- Strong written and verbal communication skills.
- Ability to work independently, multitask, prioritize competing deadlines, and operate with a sense of urgency.
- Experience using Encompass during the mortgage closing process.
- Home equity, HELOC, or second-lien closing experience.
- FHA or VA loan experience.
- Experience personally reconciling and approving Closing Disclosures.
- High-volume closing experience, including managing approximately 80–100 completed files per month.
- Experience working directly with title companies, settlement agents, processing, underwriting, and post-closing teams.
Skills Required
- Two or more years of recent mortgage loan closing experience
- Experience reviewing and preparing mortgage closing documents
- Experience communicating directly with borrowers or members throughout the closing process
- Working knowledge of TRID requirements and Closing Disclosures
- Conventional mortgage loan experience
- Ability to manage a mixed loan pipeline while meeting production and turnaround-time expectations
- Strong attention to detail and commitment to accuracy
- Strong written and verbal communication skills
- Ability to work independently, multitask, prioritize competing deadlines, and operate with a sense of urgency
- Experience using Encompass during the mortgage closing process
- Home equity, HELOC, or second-lien closing experience
- FHA or VA loan experience
- Experience personally reconciling and approving Closing Disclosures
- High-volume closing experience (approximately 80-100 completed files per month)
- Experience working directly with title companies, settlement agents, processing, underwriting, and post-closing teams
What the Team is Saying
SoFi Compensation & Benefits Highlights
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Healthcare Strength — Comprehensive medical, dental, and vision plans are paired with mental-health coaching/therapy, EAP access, and wellness programs, with options noted for low or fully covered premiums. Company-paid life and disability insurance further strengthen core protection.
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Parental & Family Support — Up to 12 weeks fully paid parental leave is complemented by fertility/adoption resources, subsidized back-up child/elder care, caregiver leave, and pet insurance. A 2026 program also matches a new federal $1,000 seed for eligible children’s investment accounts.
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Leave & Time Off Breadth — Exempt employees have flexible/unlimited vacation alongside early-release “SoFi Fridays,” while non-exempt employees receive generous vacation and sick time. Paid volunteer time and role-appropriate leave options extend time-away coverage.
SoFi Insights
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
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Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
