Rosegate Mortgage, LLC
Post-Closing & Funding Specialist
Rosegate Mortgage, LLC, Charlotte, North Carolina, United States, 28245
Rosegate Post-Closing & Funding Specialist Charlotte, NC·Full time
We are seeking a detail-oriented Post-Closing and Funding Specialist to manage loan funding, investor delivery, and post-closing processes within our correspondent channel. This role ensures accurate disbursement of funds, timely loan purchase, and full compliance with warehouse bank and investor requirements. This position does not perform borrower closings or Closing Disclosure preparation but experience in this area is a plus to support our closer.
About Rosegate Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.
Description Post-Closing & Funding Specialist Location:
On-site role in our Charlotte office, with the flexibility of 3WFHdays per month
SMART. HUNGRY. HONEST.
AtRosegateMortgage, wedon’tjust fund loans—we build trust, deliver precision, and keep the mortgage machine running smoothly.We’rea team that shows up every day with purpose, passion, and integrity. Ifyou’re SMART, HUNGRY, and HONEST ,you’llfeel right at home here.
WhatYou’llDo Funding
Prepare and submit wire orders through warehouse bank portals; monitor funding activity and warehouse line balances.
Calculate net funding amounts, ensuring accuracy of lender fees, borrower fees, escrows, credits, and tolerances.
Review closed loan packages for accuracy of loan, borrower, and property data prior to funding.
Coordinate with investors, settlement agents, and internal banking for funding-related questions or adjustments.
Authorize funding and ensure all warehouse bank and investor funding requirements are met.
Track physical collateral and document shipment between settlement agents, warehouse banks, and investors.
Manage funding deadlines including funding dates, lock expirations, and wire cutoff times.
Post-Closing & Investor Delivery
Audit closed loan packages and submit complete files to investors for purchase.
Track closing dates, funding, lock expiration dates to have loan purchased by deadline to avoid lock fees.
Clear post-closing conditions based on investor guidelines (FHA/VA/Conventional).
Track closing, funding, lock expiration, and purchase timelines to ensure loans are purchased on time.
Reconcile purchased loans to confirm proceeds accuracy.
Provide purchase advice to warehouse banks and ensure loans are properly paid off.
Track and obtain trailing documents (recorded documents, final title policies) and deliver to appropriate parties.
Support MERS transfers, FHA case transfers, and investor reporting requirements.
Maintain accurate internal tracking, document retention, and compliance records.
Perform general accounting and recordkeeping related to loan proceeds and payments.
WhatWe’reLooking For
2-5 years of mortgage operations experience with emphasis on funding and post-closing.
Strong understanding of funding workflows, net funding calculations, and investor purchase processes.
Knowledge of investor guidelines (FHA/VA/Conventional preferred).
Exceptional attention to detail and ability to manage multiple deadlines across multiple files.
Strong communication and organizational skills.
Proficiency in Microsoft Word, Excel, and general office tools.
Experience balancing closing disclosures and performing loan closings is a plus.
Notary license a plus.
WhyRosegate?
Growing company with a bold vision.
Caring leadership & supportive team.
Competitive salary + benefits: health, dental, vision, life insurance, 401(k) match, PTO, and holidays.
Ready to Be a Part of Something Great? Ifyou’reready to take your mortgage career to the next level and be part of a company that values precision, integrity, and hustle,apply now. Let’s build the future of mortgage—together.
RosegateMortgage is anequal-opportunityemployer. All employment decisions are based on business needs, job requirements, and individual qualifications.
Rosegate| NMLS: 2082961| www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, VT, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |
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About Rosegate Rosegate is a dynamic mortgage originator and master servicer with a growing portfolio of customers. Recognized by The Charlotte Business Journal as a '2025 Best Places to Work' company; we are building a high-performance retention engine to maximize portfolio value through refinance recapture, purchase retention, and customer-for-life strategies. Coupling this with our existing (and growing) retail channel, Rosegate is positioned for exciting growth and opportunities.
Description Post-Closing & Funding Specialist Location:
On-site role in our Charlotte office, with the flexibility of 3WFHdays per month
SMART. HUNGRY. HONEST.
AtRosegateMortgage, wedon’tjust fund loans—we build trust, deliver precision, and keep the mortgage machine running smoothly.We’rea team that shows up every day with purpose, passion, and integrity. Ifyou’re SMART, HUNGRY, and HONEST ,you’llfeel right at home here.
WhatYou’llDo Funding
Prepare and submit wire orders through warehouse bank portals; monitor funding activity and warehouse line balances.
Calculate net funding amounts, ensuring accuracy of lender fees, borrower fees, escrows, credits, and tolerances.
Review closed loan packages for accuracy of loan, borrower, and property data prior to funding.
Coordinate with investors, settlement agents, and internal banking for funding-related questions or adjustments.
Authorize funding and ensure all warehouse bank and investor funding requirements are met.
Track physical collateral and document shipment between settlement agents, warehouse banks, and investors.
Manage funding deadlines including funding dates, lock expirations, and wire cutoff times.
Post-Closing & Investor Delivery
Audit closed loan packages and submit complete files to investors for purchase.
Track closing dates, funding, lock expiration dates to have loan purchased by deadline to avoid lock fees.
Clear post-closing conditions based on investor guidelines (FHA/VA/Conventional).
Track closing, funding, lock expiration, and purchase timelines to ensure loans are purchased on time.
Reconcile purchased loans to confirm proceeds accuracy.
Provide purchase advice to warehouse banks and ensure loans are properly paid off.
Track and obtain trailing documents (recorded documents, final title policies) and deliver to appropriate parties.
Support MERS transfers, FHA case transfers, and investor reporting requirements.
Maintain accurate internal tracking, document retention, and compliance records.
Perform general accounting and recordkeeping related to loan proceeds and payments.
WhatWe’reLooking For
2-5 years of mortgage operations experience with emphasis on funding and post-closing.
Strong understanding of funding workflows, net funding calculations, and investor purchase processes.
Knowledge of investor guidelines (FHA/VA/Conventional preferred).
Exceptional attention to detail and ability to manage multiple deadlines across multiple files.
Strong communication and organizational skills.
Proficiency in Microsoft Word, Excel, and general office tools.
Experience balancing closing disclosures and performing loan closings is a plus.
Notary license a plus.
WhyRosegate?
Growing company with a bold vision.
Caring leadership & supportive team.
Competitive salary + benefits: health, dental, vision, life insurance, 401(k) match, PTO, and holidays.
Ready to Be a Part of Something Great? Ifyou’reready to take your mortgage career to the next level and be part of a company that values precision, integrity, and hustle,apply now. Let’s build the future of mortgage—together.
RosegateMortgage is anequal-opportunityemployer. All employment decisions are based on business needs, job requirements, and individual qualifications.
Rosegate| NMLS: 2082961| www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensed in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MI, MN, MS, MT, NE, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, VT, WA, WV, WI | 13515 Ballantyne Place, Charlotte, NC 28277 | 888-657-6206 |
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