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Mortgage service specialist vs post closer

The differences between mortgage service specialists and post closers can be seen in a few details. Each job has different responsibilities and duties. It typically takes 2-4 years to become both a mortgage service specialist and a post closer. Additionally, a post closer has an average salary of $38,045, which is higher than the $34,920 average annual salary of a mortgage service specialist.

The top three skills for a mortgage service specialist include mortgage loans, customer service and escrow analysis. The most important skills for a post closer are loan packages, post-closer, and FHA.

Mortgage service specialist vs post closer overview

Mortgage Service SpecialistPost Closer
Yearly salary$34,920$38,045
Hourly rate$16.79$18.29
Growth rate-3%-3%
Number of jobs22,47810,407
Job satisfaction--
Most common degreeBachelor's Degree, 48%Bachelor's Degree, 41%
Average age4242
Years of experience44

What does a mortgage service specialist do?

A Mortgage Service Specialist is an expert in mortgage administrative aspects. They review and verify loan application information, file borrower information, and process paperwork with the lending bank. They also authorize and recommend personal and commercial loans for approval. Math skills are necessary for this job for accuracy in calculating both the principal and interest amounts. They should also develop skills in handling transactions, foreclosing loans, communication, attention to detail, and customer service.

What does a post closer do?

Post closers require an associate degree or certification in addition to 1-3 years of related experience. Skills in customer support, document review, loan processing, quality assurance processing, and loan software are also necessary for this career. Port closers assist with the mortgage loan closing process by reviewing loan documents for compliance, completeness, and accuracy. They also find missing information, prepare files and provide internal and external customer support.

Mortgage service specialist vs post closer salary

Mortgage service specialists and post closers have different pay scales, as shown below.

Mortgage Service SpecialistPost Closer
Average salary$34,920$38,045
Salary rangeBetween $27,000 And $43,000Between $29,000 And $48,000
Highest paying CitySimi Valley, CASan Ramon, CA
Highest paying stateCaliforniaCalifornia
Best paying companyCitiAmplify Credit Union
Best paying industryFinanceInsurance

Differences between mortgage service specialist and post closer education

There are a few differences between a mortgage service specialist and a post closer in terms of educational background:

Mortgage Service SpecialistPost Closer
Most common degreeBachelor's Degree, 48%Bachelor's Degree, 41%
Most common majorBusinessBusiness
Most common collegeUniversity of PennsylvaniaUniversity of Pennsylvania

Mortgage service specialist vs post closer demographics

Here are the differences between mortgage service specialists' and post closers' demographics:

Mortgage Service SpecialistPost Closer
Average age4242
Gender ratioMale, 35.1% Female, 64.9%Male, 21.6% Female, 78.4%
Race ratioBlack or African American, 13.0% Unknown, 4.2% Hispanic or Latino, 17.8% Asian, 6.5% White, 58.1% American Indian and Alaska Native, 0.4%Black or African American, 13.4% Unknown, 4.2% Hispanic or Latino, 16.7% Asian, 6.6% White, 58.6% American Indian and Alaska Native, 0.4%
LGBT Percentage7%7%

Differences between mortgage service specialist and post closer duties and responsibilities

Mortgage service specialist example responsibilities.

  • Manage portfolio of GSE assets that are actively pursuing liquidation or retention options to cure default.
  • Manage internal team SharePoint and document repository.
  • Prepare and submit monthly loan status reports to loan investors (VA and HUD )
  • Perform equity analysis via a case-by-case basis to determine cost effectiveness of litigation to both its investors and the company.
  • Negotiate modifications, hardships, short sales and deed in lieu.
  • Submit foreclosure postponement request when applicable through LPS and obtain FNMA approval.
  • Show more

Post closer example responsibilities.

  • Manage individual pipeline using the LPS system.
  • Review all types of loans (i.e., conventional, FHA, VA) for program accuracy and compliance.
  • Prepare HUD-1 settlement statements, review balance sheet, doc prep closing package, disburse checks and balance ledgers.
  • Partner with secondary investors to resolve loan irregularities to ensure files meet HUD, HMDA, and RESPA guidelines.
  • Review Hud-1 or settlement statements for accuracy.
  • Prepare conveyance package for clients.
  • Show more

Mortgage service specialist vs post closer skills

Common mortgage service specialist skills
  • Mortgage Loans, 12%
  • Customer Service, 9%
  • Escrow Analysis, 8%
  • Inbound Calls, 7%
  • Foreclosure Process, 4%
  • Real Estate, 4%
Common post closer skills
  • Loan Packages, 17%
  • Post-Closer, 16%
  • FHA, 8%
  • Va, 8%
  • Escrow, 6%
  • Mers, 5%

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