---
title: 'Payoff & Servicing Specialist at Easy Street Capital'
canonical: 'https://feeny.ai/job/payoff-servicing-specialist-easy-street-capital-irvine-1a1e261krsyt'
type: 'job'
last_seen: '2026-09-07'
---

# Payoff & Servicing Specialist at Easy Street Capital

- **Company:** Easy Street Capital
- **Location:** Irvine, CA
- **Compensation:** $65k–$85k
- **Work type:** onsite
- **Posted:** 2026-08-29
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.lever.co/easystreetcap/3b0d08d6-5a9d-4b29-a1a3-adef15bdd71d

## Job description

Easy Street Capital is a private real estate lender serving real estate investors around the country. Defined by an experienced team and innovative loan programs, Easy Street Capital is the ideal financing partner for real estate investors of all experience levels and specialties. Whether an investor is fixing and flipping, financing a cash-flowing rental, or building ground-up, we have a solution to fit those needs.

Job Description:

Easy Street Capital is seeking a Payoff & Servicing Specialist to manage payoff, reinstatement, and Verification of Mortgage (VOM) requests across our growing residential mortgage portfolio.

This is a hands-on role for someone who understands the logic behind loan-level calculations and can identify when something does not look right. The right person will take ownership of requests from receipt through completion.

Responsibilities:

- Generate, review, and distribute payoff statements for loans serviced in-house
- Review and approve payoff statements for sold loans serviced by FCI
- Generate, review, and distribute reinstatement quotes and Verifications of Mortgage (VOMs)
- Validate principal, interest accruals, default interest, fees, extensions, advances, and applicable credits
- Research and resolve discrepancies using loan history, servicing data, and supporting documentation
- Maintain the active payoff and reinstatement tracker for Operations and Accounting to monitor outstanding quotes and incoming wires
- Provide the frontline Servicing team with status updates and support related to active requests
- Maintain accurate supporting documentation for exceptions
- Support additional servicing functions and process improvements as business needs evolve

Qualifications:

Required

- Bachelor’s degree

- 2+ years of mortgage servicing, asset management, private lending, loan operations, or related experience

- Strong numerical and problem-solving skills

- Highly organized with exceptional attention to detail

- Ability to manage competing priorities and time-sensitive deadlines

- Strong written and verbal communication skills

- Proactive, resourceful, and comfortable taking ownership

## Preferred

- Experience with business-purpose, hard money, bridge, fix-and-flip, or Residential Transition Loans (RTL)

- Knowledge of Dutch and non-Dutch interest accrual methodologies

- Knowledge of construction/rehab holdbacks, draw activity, rehab suspense, and interest reserves

Benefits:

- Company sponsored health insurance
- Company sponosred 401(k)
- Paid vacation time
- Paid sick leave

We are looking for the right team member to join our team. If you feel you are that person, please apply!

## About Easy Street Capital

## Company Overview
- **One-liner**: Easy Street Capital is a private real estate lender providing fix-and-flip, DSCR rental, and new construction loans to real estate investors nationwide.
- **Entity Type**: Private (Debt-financed; total funding $175M)
- **Headquarters**: Austin, Texas, United States
- **Founded**: 2016
- **Founders**: Stephen Hagerman (President & Founder)

## Core Business
- **Primary industry**: Financial Services – Private Real Estate Lending
- **Target customers**: Real estate investors (B2B), including fix-and-flippers, rental property owners, and ground-up builders.
- **Mission or purpose**: To be a relationship-based lender that customizes loans for investment property projects, offering fast closings and flexible terms regardless of borrower experience or credit.

## Products & Services
- **EasyFix (Fix & Flip)**: Short-term bridge loans for purchasing and renovating residential properties. Rates from 8.90% (interest-only), terms 6–18 months, up to 93% LTC, minimum FICO 600, and 48-hour closings.
- **EasyRent (DSCR)**: Debt-service-coverage-ratio loans for rental properties. Rates from 5.75%, no minimum DSCR, 640 FICO floor, available in 48 states.
- **EasyBuild (New Construction)**: Ground-up construction loans for residential projects. Rates from 9.90%, up to 90% LTC.

## Market Standing
- **Valuation/Market Cap**: Not publicly available (private company)
- **Key Metric**: Total funding of **$175M** (debt financing, July 2025); cumulative lifetime originations exceeded **$2 billion** as of May 2026.
- **Notable Investors/Partners**: Securitization investors in two $175M RTL transactions (June and November 2025). Partners include Casey Denton, Robin Simon, Scott Townes, Gray Cato, and Collin Duffy.
- **Growth Signals**: Originated a record $1.2B in 2024 (+20% YoY); became the third unrated issuer to debut an RTL securitization in 2025; second RTL deal priced at I+205 bps (tightest unrated A1 spread in RTL history); expanded per-unit limits to $5M+ in August 2025.

## Competitive Advantages
- **Speed**: 24-hour term sheets, 48-hour closings (no appraisal required on most files), and a 48-hour draw process.
- **Flexibility**: Low FICO minimum (600 for fix-and-flip), high LTV/LTC (up to 93%), and customizable loan structures.
- **Nationwide reach**: Lends in 48 states (excluding ND, SD, and some metro carve-outs) through a wholesale/broker channel and TPO team.

## Strategic Focus
- **Current priorities**: Expanding securitization capacity (two RTL deals closed in 2025), increasing loan size limits, and scaling the wholesale broker channel (Signature Broker program). Continued investment in technology and processing to maintain fast turnaround.

## Why Work Here
- **Culture**: Rated 4.6/5 for culture and 4.4/5 for work-life balance on employer reviews (8 reviews overall: 4.5/5).
- **Work environment**: Mix of on-site (Austin, TX and Irvine, CA) and remote roles (e.g., Senior Account Executive is remote).
- **Growth**: 125 employees (51–200 range); recent job postings include Senior Loan Processor, Full Stack Developer, and Credit Analyst. Yearly headcount growth was -2.1% (slight reduction), but active job postings increased 150% YoY.
- **Perks**: Fast-paced, growing company in the private lending space; opportunities in sales, finance, and technology.

## Sources
1. [LinkedIn](https://linkedin.com/company/easy-street-capital)
2. [easystreetcap.com Careers](https://easystreetcap.com/careers/)
3. [Lever Careers](https://jobs.lever.co/easystreetcap)
4. [Built In](https://builtin.com/company/easy-street-capital)
5. [CrowdfundedWealth Review](https://www.crowdfundedwealth.com/reviews/easy-street-capital-review)

## Other roles at Easy Street Capital

- [Senior Operations Analyst](https://feeny.ai/job/senior-operations-analyst-easy-street-capital-austin-fw8nps0y3dbz) — Austin, TX
- [Mortgage Documentation Manager](https://feeny.ai/job/mortgage-documentation-manager-easy-street-capital-austin-rc3ymxb0rzzy) — Austin, TX
- [Full Stack Developer](https://feeny.ai/job/full-stack-developer-easy-street-capital-irvine-984f35sehgab) — Irvine, CA
- [Senior Account Executive | Remote](https://feeny.ai/job/senior-account-executive-remote-easy-street-capital-remote-89tfb2q6d3fh)
- [Account Executive | Austin](https://feeny.ai/job/account-executive-austin-easy-street-capital-austin-qz4hqjpk017z) — Austin, TX
- [Senior Credit Analyst](https://feeny.ai/job/senior-credit-analyst-easy-street-capital-austin-a07hfyzh8rh5) — Austin, TX