Mortgage Disclosure Specialist
LHH, Charlotte, NC, United States
LHH is seeking a Mortgage Disclosure Specialist for a for a contract to hire position in South Charlotte, NC! The Mortgage Disclosure Specialist is responsible for ensuring that all required mortgage disclosures are accurate, compliant, and delivered within mandated timelines. This role supports the full loan lifecycle by preparing key documents, validating fee data, monitoring regulatory requirements, and collaborating closely with internal teams to keep applications moving smoothly toward closing. A strong understanding of federal disclosure rules and exceptional attention to detail are essential. This position is fully in office Monday - Friday working 10 am - 7 pm.
Responsibilities:
Disclosure Management
Prepare and issue Loan Estimates (LEs), Change of Circumstance (COC) redisclosures, and Closing Disclosures (CDs) in accordance with regulatory timeframes. Review loan data to confirm accuracy and consistency across systems. Verify third‑party fees and validate changes that require redisclosure. Ensure all disclosure packages meet federal regulations and internal standards. Rate Lock Oversight
Manage daily lock workflows, including new locks, extensions, and re-locks based on investor and program guidelines. Maintain accurate lock information within the loan origination system (LOS). Monitor lock expirations and proactively communicate with internal partners to prevent delays. Ensure compliance with investor, state, and federal rules related to rate lock practices. Compliance & Quality Assurance
Apply TRID, TILA, and RESPA requirements to all disclosure activities. Track disclosure timing to ensure adherence to regulatory deadlines. Maintain detailed audit trails and assist with internal and external audit requests. Identify issues or discrepancies and recommend corrective steps. Cross-Functional Collaboration
Work closely with Loan Officers, Processors, Underwriters, and Closing teams to support accurate and timely disclosures. Provide updates on disclosure status and resolve issues that may impact closing timelines. Serve as a resource for team members regarding disclosure standards and procedures. Process Optimization & Reporting
Suggest and support process changes to enhance accuracy and workflow efficiency. Assist with training initiatives or documentation updates. Generate reporting related to disclosure activity, timelines, or exceptions as needed. Qualifications:
2+ years of experience in mortgage operations, preferably within disclosures or closing. Solid understanding of TRID, TILA, and RESPA regulations. Proficiency in common LOS platforms. Experience working with third‑party fee engines (e.g., LodeStar, SmartFees). High attention to detail, strong communication skills, and the ability to work in a deadline-driven environment. Associate’s or Bachelor’s degree in Business, Finance, or a related discipline is a plus Familiarity with various loan programs including Conventional, FHA, VA, and Jumbo. Experience supporting audits or quality control processes.
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Disclosure Management
Prepare and issue Loan Estimates (LEs), Change of Circumstance (COC) redisclosures, and Closing Disclosures (CDs) in accordance with regulatory timeframes. Review loan data to confirm accuracy and consistency across systems. Verify third‑party fees and validate changes that require redisclosure. Ensure all disclosure packages meet federal regulations and internal standards. Rate Lock Oversight
Manage daily lock workflows, including new locks, extensions, and re-locks based on investor and program guidelines. Maintain accurate lock information within the loan origination system (LOS). Monitor lock expirations and proactively communicate with internal partners to prevent delays. Ensure compliance with investor, state, and federal rules related to rate lock practices. Compliance & Quality Assurance
Apply TRID, TILA, and RESPA requirements to all disclosure activities. Track disclosure timing to ensure adherence to regulatory deadlines. Maintain detailed audit trails and assist with internal and external audit requests. Identify issues or discrepancies and recommend corrective steps. Cross-Functional Collaboration
Work closely with Loan Officers, Processors, Underwriters, and Closing teams to support accurate and timely disclosures. Provide updates on disclosure status and resolve issues that may impact closing timelines. Serve as a resource for team members regarding disclosure standards and procedures. Process Optimization & Reporting
Suggest and support process changes to enhance accuracy and workflow efficiency. Assist with training initiatives or documentation updates. Generate reporting related to disclosure activity, timelines, or exceptions as needed. Qualifications:
2+ years of experience in mortgage operations, preferably within disclosures or closing. Solid understanding of TRID, TILA, and RESPA regulations. Proficiency in common LOS platforms. Experience working with third‑party fee engines (e.g., LodeStar, SmartFees). High attention to detail, strong communication skills, and the ability to work in a deadline-driven environment. Associate’s or Bachelor’s degree in Business, Finance, or a related discipline is a plus Familiarity with various loan programs including Conventional, FHA, VA, and Jumbo. Experience supporting audits or quality control processes.
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