Melissa Gray
Gilbert,AZ
Summary
Mortgage Loan Closer and Funder with extensive experience managing residential loan closings, funding, disclosures, document review, compliance, and title/escrow coordination. Experienced with TRID requirements, FHA, VA, USDA, FNMA/FHLMC guidelines, Closing Disclosures, loan balancing, funding conditions, and Encompass. Strong background in regulatory compliance, confidential records, issue resolution, and high-volume file management. Known for accuracy, organization, follow-through, and effective communication with borrowers, lenders, title companies, and internal teams.
Overview
20
20
years of professional experience
Work History
Closer / Mortgage Loan Funder
MAJOR MORTGAGE, INC.
Grand Junction, CO
01.2026 - 10.2026
- Managed residential loan files through closing and funding, ensuring document accuracy, compliance, and timely completion.
- Managed high-volume loan pipeline, ensuring adherence to closing timelines and delivering timely status updates to customers.
- Prepared and reviewed closing packages and Closing Disclosures in accordance with TRID requirements.
- Coordinated closing details with borrowers, lenders, title companies, and internal departments to ensure seamless transactions.
- Balanced final loan figures with title and escrow companies, resolving discrepancies to facilitate timely closings.
- Reviewed executed loan documents and outstanding conditions to determine funding readiness.
- Prepared and ordered funding wires and verified documentation required for loan disbursement.
- Reviewed title commitments, insurance policies, and other pre-closing documentation for completeness and accuracy.
Mortgage Loan Closer
DIRECT MORTGAGE LOANS, LLC / V.I.P. MORTGAGE, INC.
Gilbert, AZ
07.2019 - 01.2026
- Continued in the same position and responsibilities following the branch's transition from V.I.P. Mortgage to Direct Mortgage Loans.
- Prepared and reviewed mortgage closing documents, verifying loan details and documentation accuracy prior to closing.
- Applied TRID, FNMA/FHLMC, FHA, VA, and USDA guidelines when reviewing closing documentation and loan requirements.
- Prepared compliant Closing Disclosures and ensured borrower delivery within required TRID timeframes.
- Coordinated closing packages and documentation with title companies, facilitating timely loan closings and enhancing borrower satisfaction.
- Secured outstanding documentation and monitored loan conditions, ensuring readiness for closing and funding.
- Balanced final figures with title companies, reconciling financial information to confirm accuracy for closing.
- Reviewed loan files for compliance with company, state, and federal requirements.
- Managed loan pipeline activity and completed closing files for timely transaction processing.
Front Desk Coordinator
EAST RIVER MEDICAL IMAGING
New York, NY
05.2017 - 04.2019
- Coordinated patient check-in and scheduling, ensuring efficient workflow in busy radiology environment.
- Verified insurance information and patient benefits, confirming payment responsibility and required documentation for ordered studies.
- Maintained accurate electronic patient records, including outside images and medical reports.
- Resolved patient concerns and collaborated with referring physicians to gather necessary information.
Administrative Assistant III
ARIZONA STATE HOSPITAL
Phoenix, AZ
01.2016 - 05.2017
- Provided administrative support to the Director of the Arizona Community Protection and Treatment Center.
- Prepared correspondence, reports, and documentation while ensuring confidentiality of patient and employee records.
- Scheduled psychiatric evaluations and legal visits, coordinating access to attorneys and other necessary services.
- Reviewed incident reports for accuracy and compliance with hospital policies, ensuring adherence to state documentation requirements.
- Coordinated resident intake and discharge processes, adhering to hospital protocols and regulatory requirements to facilitate smooth transitions.
Front Desk Coordinator
East River Medical Imaging
New York, NY
10.2014 - 12.2015
Client Services Representative
Law Offices of Spar & Bernstein
New York, NY
11.2013 - 10.2014
Clinical Support Representative
Magellan Health Services / NIA
Phoenix, AZ
06.2008 - 11.2013
Administrative Assistant
MDJ Mortgage Corporation
Tempe, AZ
01.2007 - 03.2008
- Earlier experience includes legal client intake and case support, healthcare authorization and records management, confidential documentation, mortgage escrow holdback processing, HUD statement review, loan file setup, appraisals, credit reports, invoice reconciliation, and administrative operations.
Education
General Studies
Mesa Community College
High School Diploma -
Gilbert High School
Skills
- Mortgage Loan Closing & Funding Closing Disclosure Preparation TRID Compliance Loan Document Review Loan Balancing & Reconciliation Title & Escrow Coordination Funding Conditions FHA / VA / USDA FNMA / FHLMC Non-QM HELOCs Encompass Pipeline Management Compliance & Quality Control Wire Preparation Issue Resolution Customer Communication
- Encompass Microsoft Excel Microsoft Word Microsoft Outlook Microsoft PowerPoint
Timeline
Closer / Mortgage Loan Funder
MAJOR MORTGAGE, INC.
01.2026 - 10.2026
Mortgage Loan Closer
DIRECT MORTGAGE LOANS, LLC / V.I.P. MORTGAGE, INC.
07.2019 - 01.2026
Front Desk Coordinator
EAST RIVER MEDICAL IMAGING
05.2017 - 04.2019
Administrative Assistant III
ARIZONA STATE HOSPITAL
01.2016 - 05.2017
Front Desk Coordinator
East River Medical Imaging
10.2014 - 12.2015
Client Services Representative
Law Offices of Spar & Bernstein
11.2013 - 10.2014
Clinical Support Representative
Magellan Health Services / NIA
06.2008 - 11.2013
Administrative Assistant
MDJ Mortgage Corporation
01.2007 - 03.2008
General Studies
Mesa Community College
High School Diploma -
Gilbert High School