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Mortgage Loan Funder

2 weeks ago

Charlotte, North Carolina, United States Red Ventures Full time $72,000 per year

This role requires a hybrid schedule and will be based in our South Charlotte, NC Headquarters (Tuesday through Thursday) and work fully remotely on Mondays and Fridays each week.

The Mortgage Loan Funder plays a critical role in ensuring each loan closes with precision, integrity, and care. This position is accountable for reviewing and verifying that every required aspect of the loan process has been met before funds are released, upholding the highest standards of accuracy, compliance, and client trust. At Sage Home Loans, funders are more than detail checkers — they are stewards of the client experience, ensuring every transaction reflects our commitment to speed, quality, and ethical lending. You'll partner closely with teammates across operations to deliver a seamless closing process that puts clients first, protects the company's integrity, and helps leave the woodpile higher with every loan we fund.

What You'll Do

  • Fund loans according to established timelines, regulations, and state-specific procedures

  • Review approved loans to ensure documents and conditions are complete, consistent, and compliant prior to funding

  • Review and sign off on funding conditions; identify items that may need clearance by Underwriting or Quality Control

  • Verify that signed loan packages meet compliance guidelines; correct discrepancies as needed

  • Review executed loan documents prior to the release of funds

  • Calculate and balance funding amounts for each loan package; verify and set up lender wire for closing

  • Maintain funding turn times and provide exceptional customer service to internal and external partners

  • Work efficiently in a fast-paced environment, managing multiple deadlines with accuracy and composure

  • Demonstrate strong knowledge of wet funding requirements across all states

  • Submit closing documents promptly for review within the rate lock period

  • Follow up on any missing or additional documentation needed from all parties

  • Complete final Closing Disclosures (CDs) and review files for TRID compliance

  • Upload final documents into the company imaging system, ensuring accurate folder organization

  • Request funds from the warehouse facility and maintain accurate records of wire transactions

  • Maintain current knowledge of company policies and procedures related to documentation and funding

  • Run daily warehouse reports, update Encompass funding worksheets, and pay down loans that have been sold

What We're Looking For

  • High school diploma or GED required; bachelor's degree preferred

  • 1–2 years of experience in mortgage funding or closing

  • 2–4 years of experience working with FNMA/FHLMC guidelines and standard industry requirements

  • Hands-on experience with Encompass

  • Experience in loan shipping to secondary investors, with strong knowledge of state and federal regulations

  • Strong oral and written communication skills

  • Excellent problem-solving and analytical abilities

  • Demonstrated ability to meet quality, accuracy, and service standards

  • Proven organizational skills with the ability to prioritize, multi-task, and adapt to changing priorities

  • Precise attention to detail and a commitment to data integrity

  • Thorough knowledge of final loan documents, closing audits, and funding processes

Compensation

  • Compensation Range: $27-30/hour

  • Note actual compensation is based on geographic location, qualifications, and experience.

Additionally, the following benefits are provided by Red Ventures, subject to eligibility requirements.

  • Health Insurance Coverage (medical, dental, and vision)

  • Life Insurance

  • Short and Long-Term Disability Insurance

  • Flexible Spending Accounts

  • Paid Time Off

  • Holiday Pay

  • 401(k) with match

  • Employee Assistance Program

  • Paid Parental Bonding Benefit Program

  • Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That's why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.

Who We Are:

Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.

Founded in 2000, Red Ventures (RV) is home to a diverse portfolio of industry-leading brands and businesses, strategic partnerships and proprietary technology, including Sage Home Loans, Bankrate, Lonely Planet, The Points Guy, BestColleges and more. Together, RV helps millions of people worldwide make life's most important decisions, accelerates digital adaptation, and innovates the online consumer experience by improving every step of the consumer journey from first discovery of information, throughout the decision-making process, to transactions. Headquartered south of Charlotte, NC, Red Ventures employs thousands of people across the US and Puerto Rico, with international offices in the UK and Brazil. For more information, visit and follow @RedVentures on social platforms.

At Red Ventures, we believe diverse, inclusive teams are better. To help you better understand our core values and beliefs, we encourage you to watch this brief YouTube video: Our Belief Statements. This will give you insight into the principles that guide our work and our commitment to fostering an inclusive environment.

We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program.

Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications.

We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact

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