Maria Garcia & Carlos Garcia
Purchase · Conventional · $425,000
Key Dates
Intro Date
Apr 10, 2026
TRID Start
Apr 14, 2026
Closing Date
May 30, 2026
In 34 days
Contract Expiration
May 30, 2026
In 34 days
Team & Contacts
Status Tracker
Disclosures
Processor · Apr 14, 2026
Intent to Proceed
Borrower · Apr 14, 2026
Appraisal
Processor
Title
Processor · Apr 15, 2026
Insurance
Borrower · Apr 14, 2026
Underwriting
Processor
Closing Disclosure
Processor
Conditions
4 open · 4 totalSigned disclosures / Intent to Proceed
pendingNeeded from: Borrower · Owner: Processor · Due: Apr 28, 2026
Proof of homeowner's insurance binder
pendingNeeded from: Borrower · Owner: Processor · Due: May 1, 2026
Letter of explanation — recent credit inquiry (Apr 2026)
pendingNeeded from: Borrower · Owner: Processor · Due: Apr 29, 2026
Inquiry from auto dealership — needs 1-paragraph LOE
Copy of earnest money check / wire confirmation
receivedNeeded from: Borrower · Owner: Processor
Communication Log
Called Maria re: outstanding ITP and disclosures. She confirmed she will review tonight and sign tomorrow morning.
↻Follow-up: Check for signed ITP first thing 4/26
Ordered title from Austin Title Partners. Sarah Webb assigned as closer.
Disclosures sent via Encompass. Income docs collected from borrowers — W-2s, 2023 and 2024 tax returns, 2 months bank statements.
Initial consult with Maria and Carlos Garcia. Pre-approval issued. Purchase price $530,000, down payment 20%. Strong file.
Notes
Carlos is a 1099 contractor — will need 2 years of Schedule C / tax returns + YTD P&L. Maria is W-2 (RN at St. David's). Strong income overall. Watch the credit inquiry LOE — needs to be airtight.