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📝 End of Day Recap for Julie · Monday, May 11, 2026

6 active files · Cheryl's daily summary for Julie's review · Cross-referenced against Thursday 5/7 EOD recap

File-level status: 🟢 ON SCHEDULE · 🟠 NEEDS ATTENTION · 🔴 BLOCKED · 🟡 SUSPENDED · ✅ CLOSED/FUNDED

Section icons (📍): ✅ Complete · ☐ Not started · 🟡 Has issue · 🟠 Urgent · ❓ Awaiting Julie · ⛔️ Blocked · (no icon) = in progress, normal

Sub-milestone icons: ✅ Done · ☐ Not started · ⏳ Waiting on 3rd party · 🟡 Issue · ❓ Awaiting Julie · ⛔️ Blocked

⏰ Closing Watch

File	Closing	Days to Close	Status
OFS017153, Francisco, Mora	Wed 5/20	9 MORE DAYS TO CLOSE	🟢 IN UNDERWRITING
OFS017192, Wilder, Gomez	Tue 6/2	22 MORE DAYS TO CLOSE	🟠 NEEDS ATTENTION
OFS017214, Jose, Ramirez	Tue 6/2	22 MORE DAYS TO CLOSE	🟠 NEEDS ATTENTION
OFS017328, Fernando, Magana	TBD	TBD — pending contract	🟠 NEW FILE · PENDING
OFS017255, Gordon, Stout	TBD	PRIORITY	🟠 BLOCKED on KCB access
OFS016788, Robert, Shields	TBD	PRIORITY	🟠 BLOCKED on borrower credit card

🔥 Priority for TOMORROW · Tuesday, May 12, 2026

MORA — closing Wed 5/20. Review last 2 mortgage statements with Julie before submitting to UW (Cheryl emailed Julie 5/11 2:57pm — subject '👀‼️ ---Francisco's Last Two MTG STMETS --- Plz...'). Discuss with Julie: mortgage chain (Flagstar → Mr Cooper), HUD Partial Claim ($20,595.80), and Figure HELOC ($1,229.89/mo, 3rd lien). Finish remaining credit conditions (target: EOD Tuesday). Waiting on appraisal.
MAGANA — closing TBD. Cheryl emailed Julie 5/11 6:36pm (subject '👀‼️ Fernando A Magana | New Purchase — Req...') flagging LP $4,950 cap warning + asking for contract from Ethel. Pending Julie's review.
STOUT — Meet with Julie at a specific time so KCB can send credentials to Julie; Julie reads the code so Cheryl can access KCB and pull tri-merge. Send disclosures and submit loan as soon as possible.
SHIELDS — Awaiting callback from Emma for credit card + authorization form. Once received, pull tri-merge via KCB (same Julie-to-Cheryl code flow), register + submit.
GOMEZ — Appointment with Julie Tuesday morning to discuss lender choice + credentials (file did not get submitted Monday).
RAMIREZ — Waiting on VOE, appraisal, and SFR vs. multi-family resolution from Thallissa / county.

⏳ AWAITING JULIE — Each item: what Cheryl needs · where to find the source · decision required

MAGANA — Seller Credit Cap + Contract from Ethel
- What Cheryl needs: Decision on the $3,050 seller credit gap. LP caps Conv > 90% LTV at 3% of $165K = $4,950; contract has $8,000.
- Where to find it: Cheryl's email to Julie 5/11 6:36pm (subject: '👀‼️ Fernando A Magana | New Purchase — Req...') with preCD-2 attached.
- Decision needed: Cap at $4,950? Increase down payment to drop LTV ≤ 90%? Restructure contract? + Send contract from Ethel + confirm closing date.
GOMEZ — Lender Selection + Credentials
- What Cheryl needs: Confirmed NON DEL lender choice + login credentials (or Julie registers the file herself).
- Where to find it: File did not get submitted Monday. Tuesday AM meeting between Julie and Cheryl to walk through.
- Decision needed: Which lender + how to register.
MORA — Mortgage Statement Review (VOM)
- What Cheryl needs: Julie's go-ahead on using last 2 Mr Cooper statements as the 12-month VOM before submitting to UW.
- Where to find it: Cheryl's email to Julie 5/11 2:57pm (subject: '👀‼️ ---Francisco's Last Two MTG STMETS --- Plz...').
- Decision needed: Approve mortgage statements as VOM, or send back through KCB for a credit supplement.
STOUT — KCB Access
- What Cheryl needs: KCB credentials so she can pull tri-merge for Stout (and Shields).
- Where to find it: Cheryl emailed Travis Fawcett (KCB owner) 5/11 7:30pm; Travis emailed Cheryl 5/11 5:07pm (cc Julie, Elisha) asking soft vs hard.
- Decision needed: Schedule a time today for KCB to send credentials to Julie, Julie reads the code to Cheryl.
SHIELDS — Same KCB access flow once Emma returns the credit card
- What Cheryl needs: Same KCB access path as Stout, then pull tri-merge.
- Where to find it: Awaiting Emma's callback with credit card # + authorization form.
- Decision needed: Possibly Julie starts a group text with Robert + Emma to speed contact.

📂 Individual File Pipelines · Below

Each card below is one active file — the per-file detail behind the priorities and pending items above.
Click "✉️ Email Cheryl" at the bottom of any card to ask a question. Reference items by their line number (e.g., "1.2.3") so we can move quickly.

1 OFS017328, Fernando, Magana — NEW FILE TODAY

🟠 PENDING · NEEDS ATTENTION ⏰ Closing date TBD — pending contract

Loan Type: Conventional · 30Y Fixed · Purchase · Primary Residence

Mid Score: Soft credit only — tri-merge pending

LTV: 95.00%

Loan Amount: $156,750

Note Rate: 7.125%

Down Payment: 5% / $8,250

Property: 1261 Gresham Road, Columbus OH 43204 (Franklin County) · Sale Price $165,000

Closing: TBD — waiting on contract from Ethel

Lender: A&D Mortgage

Title: Associates Title — Ryan Phillips

Buyer Agent: Ethel Figueroa

Co-Applicant: TBD — pending contract

Current Stage: APPLICATION

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍1.1File Intake✅ Started in LP

1.1.1✅5/11 — File received from Julie at 1:58pm — $165K purchase, $156,750 loan amount, 5% down, 7.125 rate, A&D Mortgage

1.1.2✅5/11 — Soft credit + Franklin County property taxes received from Julie

1.1.3✅5/11 — Borrower started in LendingPad

📍1.2Title — preCD-1 from Associates Title✅ Received

1.2.1✅5/11 — preCD-1 received from Ryan Phillips @ Associates Title

📍1.3LP preCD-2 Build⏳ Sections A–J reconciled

1.3.1✅5/11 — LP Cost Details populated — Sections A–J reconcile to J = $11,267.88

1.3.2✅5/11 — Loan App fixed: Total LA $156,750 / LTV 95%

📍1.4Seller Credit — LP Warning BR-0090🟡 Pending Julie

1.4.1🟡Seller Credit entry UNSUCCESSFUL. Attempted $8,000 per contract; LP warning BR-0090 caps Conv > 90% LTV at 3% of sale price = $4,950. Over by $3,050.

1.4.2✅5/11 6:36pm — Cheryl emailed Julie (subject: '👀‼️ Fernando A Magana | New Purchase — Req...') verifying the $4,950 LP cap + asking for contract from Ethel + closing date. preCD-2 attached.

1.4.3❓Pending Julie's review on the $3,050 discrepancy

✉️ Email Cheryl about Fernando Reference items by line number (e.g., 1.2.1) for fastest reply

2 OFS017153, Francisco, Mora

🟢 MOVING FORWARD · IN UNDERWRITING · CLEARING CONDITIONS ⏰ 9 MORE DAYS TO CLOSE

Loan Type: Non-QM Bank Statement Program · 30Y Fixed · Purchase · Primary Residence

Mid Score: 659

LTV / CLTV / HCLTV: 80.00% / 80.00% / 80.00%

Total Loan Amount: $665,600.00

Note Rate: 7.75%

DTI (front / back): 12.89% / 25.70%

Property: 5706 Gale Road SW, Pataskala OH 43062 (Fairfield County) · Sale Price $832,000 · 20-acre scope

Closing: Wed 5/20/2026

Lender: theLender (broker — AE: Marilyn Mains)

Title: Safe Hands Title (Tara Dulal · Jesse Coppel)

Buyer Agent: Ethel Figueroa

Listing Agent: Madhu Parajuli (Howard Hanna)

Co-Applicant on Title: Erika Jazmín Medina Barrera (spouse, title only)

Vesting: Survivorship Deed — A Husband and Wife

HOI: Maria Hayden (Goosehead) — 760-453-6875 · maria.hayden@goosehead.com

Current Stage: UNDERWRITING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍2.1LOEs✅ Submitted to UW

2.1.1✅5/11 — 6 LOEs returned from borrower and submitted to Underwriting

📍2.2KCB Dispute Letter⏳ In Progress

2.2.1⏳Working on KCB dispute letter

📍2.3Mortgage Chain❓ Want to discuss with Julie

2.3.1❓Mortgage chain decoded: Flagstar → Mr Cooper (subservicer for Lakeview Loan Servicing LLC) — Loan #751392382. Want to discuss with Julie.

📍2.4HUD Partial Claim (Cond #25)❓ Want to discuss with Julie

2.4.1❓HUD Partial Claim verified at $20,595.80 (recorded 1/25/2022) → satisfies Cond #25. Want to discuss with Julie.

📍2.5Figure HELOC — Third Lien❓ Want to discuss with Julie

2.5.1❓Figure HELOC discovered — $120,342.54 credit limit, $1,229.89/mo, 3rd lien on Fisher Rd → DTI impact. Want to discuss with Julie.

📍2.6Verification of Mortgage (VOM)❓ Awaiting Julie review

2.6.1✅5/11 2:57pm — Cheryl emailed Julie (subject: '👀‼️ ---Francisco's Last Two MTG STMETS --- Plz...') with VOM (last 2 Mr Cooper statements showing 12 months paid)

2.6.2❓Awaiting Julie's review before submitting to UW — UW wants to see he's paid mortgage for 12 months; using last 2 mortgage statements as VOM

📍2.7HOI✅ Cleared

2.7.1✅5/11 — Maria cleared and confirmed fixed

📍2.8Title — Safe Hands Title✅ Confirmed

2.8.1✅Vesting confirmed by Julie: Survivorship Deed

2.8.2✅Endorsements confirmed by Julie: Survey, EPA, Comp (no Mechanics)

📍2.9CPA Letters — JP Tax✅ With UW

2.9.1✅CPA letters from JP Tax returned — all submitted to Underwriting

📍2.10Anti-Steering☐ Cheryl's to-do

2.10.1☐Anti-Steering — on Cheryl's to-do list (DocuSign to Julie)

📍2.11Appraisal⏳ Waiting

2.11.1⏳Waiting on appraisal

📍2.12Remaining Credit Conditions⏳ In Progress

2.12.1⏳Still working on a few credit conditions — target: end of day Tuesday

✉️ Email Cheryl about Francisco Reference items by line number (e.g., 2.3.1) for fastest reply

3 OFS017214, Jose, Ramirez

🟠 NEEDS ATTENTION ⏰ 22 MORE DAYS TO CLOSE

Loan Type: FHA Purchase

Mid Score: 638

LTV / CLTV / HCLTV: 96.50% / 96.50% / 96.50%

Loan Amount: $274,928

Note Rate: 6.75%

Property: 2822 South High St, Columbus OH 43207 · Contract states SFR — appraiser flagged 2-unit / mixed-use zoning

Closing: Tue 6/2/2026 — 22 MORE DAYS TO CLOSE (per addendum)

Lender: OFS

Title: Talon Title (Michelle Ohler — MOhler@Talontitle.net)

Buyer Agent: Ethel Figueroa (figethel@gmail.com)

Seller Agent: Thallissa Bowman (thallissabowman@yahoo.com)

Co-Applicant: none

Current Stage: PROCESSING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍3.1Appraisal — SFR vs. Multi-Family🟡 Unresolved

3.1.1🟡Appraiser flagged SFR vs. multi-family — MLS shows 2-unit, photos show 2-unit, county shows SFR, zoning is mixed-use

3.1.2✅5/11 — Julie emailed realtors + Thallissa for clarification from county/zoning

3.1.3⏳Appraisal due date pushed 5/14 → 5/15 — still waiting

📍3.2FHA Amendatory Clause⏳ Sending today

3.2.1✅5/11 — Kind Reminder sent to Thallissa Bowman (seller's agent)

3.2.2✅5/11 10:07am — Thallissa replied: seller out of town, meeting today, she will send by EOD today

📍3.3Closing Date📅 Updated

3.3.1✅Closing extension addendum to 6/2 received

📍3.4VOE⏳ Awaiting

3.4.1⏳Still waiting on VOE (or access to KCB if it's already there)

📍3.5Borrower Reimbursement + Checklist☐ Pending

3.5.1☐$90 reimbursement to Jose — still pending

3.5.2☐WhatsApp checklist update (incl. VOE) — still pending

✉️ Email Cheryl about Jose Reference items by line number (e.g., 3.1.2) for fastest reply

4 OFS017192, Wilder, Gomez

🟠 NEEDS ATTENTION — did not get submitted Monday ⏰ 22 MORE DAYS TO CLOSE

Loan Type: FHA · 30Y Fixed · FastTrax · Purchase · Primary Residence

Mid Score: 609 (EQ 609 / TU 605 / EX 611)

LTV / CLTV / HCLTV: 96.50% / 96.50% / 96.50%

Total Loan Amount: $319,113.00

Note Rate: 6.875%

DTI (front / back): 27.54% / 47.93%

Property: 70 Riverside Drive, Galloway OH 43119 (Franklin County)

Closing: On or before Tue 6/2/2026 (per addendum)

Lender: NON DEL — pending Julie's selection

Title: NW Title (Trent Dues — trent.dues@nwtitle.com / 614-504-0667)

Buyer Agent: Ethel Figueroa

Seller Agent: Brandon Collins (Red 1 Realty)

Co-Applicant: none

Current Stage: PROCESSING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍4.1HOI✅ In LendingPad

4.1.1✅5/11 — HOI Dec Page imported to LendingPad

📍4.2Appraisal⏳ Need to upload to LP

4.2.1✅5/6 — Appraisal completed (AV-0206162)

4.2.2☐Cheryl's to-do — put appraisal in LendingPad

📍4.3Assets / Bank Statements⏳ Verify

4.3.1⏳April bank statement (Heartland x0896, 3/21–4/20) received from team — verify personal vs. business

📍4.4Closing Date📅 To upload

4.4.1☐Closing extension addendum to 6/2 — to upload in LP

📍4.5VOE⏳ Awaiting

4.5.1⏳Lizette@KCB re-emailed Michael Ramos — VOE still pending

📍4.6Lender Submission🟠 Did not submit Monday

4.6.1🟠Did not get submitted Monday — appointment with Julie Tuesday AM to discuss lender choice + credentials

✉️ Email Cheryl about Wilder Reference items by line number (e.g., 4.2.2) for fastest reply

5 OFS017255, Gordon, Stout — PRIORITY

🟠 ON SCHEDULE · BLOCKED on KCB access ⏰ Priority — submit Tuesday

Loan Type: FHA Streamline (Cash Out Refi)

Mid Score: 790

LTV / CLTV / HCLTV: 75.86% / 75.86% / 75.86%

Loan Amount: $223,850

Note Rate: 5.75% (borrower-paid · EPM $595/file)

Property: 1190 Toboso Road, Newark OH 43055 (Licking County) · Manufactured Double Wide

Lender: EPM (Carlo Smith)

Title: Associates Title — Ryan Phillips (614-419-2418 · ryan@associatestitleinc.com)

Co-Applicant: Helen E. Stout (wife, title only)

Existing Servicer: Village Capital & Investment LLC

Current Stage: DISCLOSURES

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍5.1Pricing / Rate✅ Confirmed verbally

5.1.1✅Rate confirmed verbally with Julie: 5.75% borrower-paid · EPM charges $595/file

📍5.2Title✅ Selected

5.2.1✅Title moved to Associates Title (Ryan Phillips) — Safe Hands no longer used

📍5.3KCB Tri-Merge — Access Blocked🟠 Need appt with Julie

5.3.1🟠Need to meet with Julie at a specific time so KCB can send credentials to Julie; Julie reads the code to Cheryl so Cheryl can access KCB and pull credit

📍5.4Disclosures + Submission🔥 Priority

5.4.1🔥Send disclosures as soon as credit report is pulled. Get loan submitted as soon as possible.

✉️ Email Cheryl about Gordon Reference items by line number (e.g., 5.3.1) for fastest reply

6 OFS016788, Robert, Shields — PRIORITY

🟠 ON SCHEDULE · BLOCKED on borrower credit card ⏰ Priority — submit when card received

Loan Type: FHA Streamline & Non Credit Qualify (Refi)

Mid Score: 680

LTV / CLTV: ~95.6% ($349,002 / $365,000 appraisal)

Loan Amount: $349,002 ($348,570 per Julie's title quote)

Note Rate: 6.125% (lender-paid · EPM $595/file)

Payoff: $345,500

Property: 8575 99th Ave, Vero Beach FL 32967 (Indian River County)

Lender: EPM (Carlo Smith)

Title: Associates Title — Ryan Phillips (614-419-2418 · ryan@associatestitleinc.com)

Co-Applicant: Emma Shields (wife)

Current Stage: DISCLOSURES

Intro

App

Disclosures

Processing

CTC

Closing

Funded

📍6.1Pricing / Rate✅ Confirmed verbally

6.1.1✅Rate confirmed verbally with Julie: 6.125% lender-paid · EPM charges $595/file

📍6.2Title✅ Selected

6.2.1✅Title via Associates Title (Ryan Phillips) — FL refi, $348,570 loan / $345,500 payoff

📍6.3KCB Tri-Merge — Awaiting Borrower Credit Card⏳ Awaiting Emma

6.3.1⏳No callback from Emma yet for credit card number + credit card authorization form

6.3.2☐Once card received → pull tri-merge via KCB (same Julie-to-Cheryl code access flow), register + submit

6.3.3❓Possible help from Julie: start group text with Robert + Emma to speed up communication

✉️ Email Cheryl about Robert Reference items by line number (e.g., 6.3.1) for fastest reply

Monday EOD recap · Hierarchical numbering (Category.Subcategory.Task per borrower) · Cross-referenced against 5/7 EOD recap · No journaling — work output only