📋 Tuesday 5/12 — Cheryl's To Do List 📝 Tuesday 5/12 EOD Recap (for Julie)
👀 See something missing? Anything not captured here that should be — please reach out.
✉️ EMAIL CHERYL

📝 End of Day Recap for Julie · Tuesday, May 12, 2026

6 active files · Cheryl's daily summary for Julie's review · Cross-referenced against Monday 5/11 EOD recap

🎉 BIG WINS TODAY
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

FileClosingDays to CloseStatus
OFS017153, Francisco, MoraWed 5/208 MORE DAYS TO CLOSE🟢 MOVING FORWARD · UW REVIEWING 14 ITEMS
OFS017192, Wilder, GomezTue 6/221 MORE DAYS TO CLOSE🟠 NEEDS ATTENTION · awaiting lender confirmation
OFS017214, Jose, RamirezTue 6/221 MORE DAYS TO CLOSE🟠 NEEDS ATTENTION · SFR vs Multi unresolved
OFS017328, Fernando, MaganaTBDTBD — pending contract🟠 PENDING JULIE + EXECUTED CONTRACTS
OFS017255, Gordon, StoutTBDPRIORITY🟢 UNBLOCKED · KCB access restored
OFS016788, Robert, ShieldsTBDPRIORITY🟠 Emma callback after 5pm tonight

🔥 Priority for TOMORROW · Wednesday, May 13, 2026

  1. MORA — closing Wed 5/20. Push remaining open conditions to UW: send mortgage stmts + HUD Partial Claim docs (pending Julie's go-ahead), upload RCE when Maria sends, follow up on KCB dispute supplement (24-72 hr clock running from 5/12).
  2. STOUT — KCB access restored 5/12. Pull tri-merge, send disclosures, submit ASAP (Julie wanted this out 5/12 — pushed to 5/13 due to KCB timing).
  3. MAGANA — Pull HARD tri-merge via KCB → upload to A&D Mortgage (Julie's #1 ordered task from 5/12 10am call). Then check Drive for whether borrower's auth / cc auth / clean app / DL came back through WhatsApp group.
  4. SHIELDS — Emma confirmed callback after 5pm tonight (5/12). Once cc + authorization received, pull tri-merge via KCB, register, submit.
  5. RAMIREZ — Send formal recap email to Thallissa (drafted 5/12, pending Julie review · CC Ethel) re: SFR vs. Multi-Family roles per Ohio guidelines. Also follow up on new employer email address via WhatsApp.
  6. GOMEZ — Awaiting Julie reply on lender choice (Hiram update?). Once known, pull VOE from KCB (now accessible), upload appraisal + 6/2 closing addendum to LP.
⏳ AWAITING JULIE  —  Each item: what Cheryl needs · where to find the source · decision required

📂 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
UW
CTC
Closing
Funded
📍1.0Two Properties Confirmed by Julie📋 5/12 10am call
1.0.1📋Property A — 1261 Gresham Rd · $165K · Conv 5% down · A&D Mortgage — the house Fernando lives in. 🔥 PRIORITY · doing first.
1.0.2📋Property B — 2057-2059 Bridlewood Blvd · $310K — investment property · contract in Drive is buyer-signed only · deferred until Property A is in UW.
📍1.1Pull HARD CREDIT (tri-merge) via KCB → A&D🟢 KCB access restored
1.1.1✅Julie already pulled soft credit. Hard pull needed for A&D upload.
1.1.2🎉5/12 — KCB access RESTORED via Travis Fawcett · Julie's files added to Cheryl's account. Hard pull can happen 5/13 morning.
📍1.2Drive Inventory — Magana File⏳ Checklist sent to Julie
1.2.1✅5/12 ~11:30am — Cheryl sent Magana checklist to Julie (✅/❌ Drive inventory) for Julie to forward to Ethel or correct WhatsApp group.
1.2.2❌Still needed in Drive: Borrower's Auth · CC Auth · Clean app under Fernando A Magana (current shows Susana Judith Vargas Diaz) · DL front + back · Fully executed contracts for BOTH properties (Bridlewood is buyer-signed only)
1.2.3✅Already in Drive: Tax returns 2024 + 2025 · CPA Details · Zillow Gresham · Social Security card · Julie's Obsidian lender letter (Bridlewood)
📍1.4Seller Credit — Julie's Reply Ambiguous🟡 Needs clarification
1.4.1✅5/11 6:36pm — Cheryl emailed Julie verifying LP $4,950 cap + asked for contract from Ethel.
1.4.2🟡5/11 7:04pm — Julie replied: "Ok ... change to that" (Verizon Samsung). Ambiguous — needs clarification on whether to cap at $4,950 or restructure. Will pin down at next reconnect.
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
UW
CTC
Closing
Funded
📍2.0🎉 LUCY UPDATE 5/12 — 14 conditions submitted to UW + 20-acre exception requested✅ MAJOR PROGRESS
2.0.1✅Lucy submitted to UW 5/11 (sent to Cheryl 5/12): Assets-Access to Funds · Credit-Address Explanation · Credit-Derogatory Letter · Credit-Inquiries · Credit-LOE · Credit-Permanent Resident Alien · Credit-Primary Residence · Income-LOE · Income-Percentage of Ownership · Property-Purchase Contract · Property-SSR Report · Assets-Earnest Money Verification · Property-Appraisal (with 20-acre exception requested) · Title-Prelim Title Commitment
2.0.2🎯Lucy asked UW to grant the 20-acre appraisal exception — material milestone for the file.
📍2.11Appraisal — ✅ Back at $930K · Julie Approved✅ Complete
2.11.1✅5/12 — Appraisal back at $930,000 (came in $100K ABOVE $832K sale price). Appraiser Joseph Moerman / JMM Appraisals. 20-acre scope verified per hypothetical condition.
2.11.2✅5/12 10am call — Julie reviewed + approved upload to LP. Julie: "That'll help us get the exception."
2.11.3✅5/12 — Appraisal uploaded to LP · auto-flowed to lender portal (brokered file).
📍2.16Rate Lock⏳ Julie locking afternoon 5/12
2.16.1⏳Julie locking rate afternoon of 5/12 per the 10am call. Confirmation pending.
📍2.13CPL Condition · ✅ Complete✅ Verified
2.13.1✅CPL verified complete — has loan # 110100029822, mortgagee clause, all required elements. Uploaded to TPO 5/11 1:08pm. Awaiting UW review.
📍2.14Hazard Insurance · 🟡 NEW Condition 5/12 — Need RCE from Maria🟡 RCE pending
2.14.1🟡UW added 5/12: "PROVIDE RCE FOR COVERAGE" — Replacement Cost Estimator document needed beyond what's already in file.
2.14.2✅5/12 2:03pm — Cheryl emailed Maria @ Goosehead requesting RCE + flagging coverage gap (Coverage A $511K vs loan $665K · 125% endorsement gives ~$639K · still below loan). Asked Maria to either bump Coverage A or confirm endorsement = Guaranteed Replacement Cost.
2.14.3✅5/12 2:03pm — Cheryl texted Julie about the coverage gap so she's aware.
📍2.5aEMD Verification · ✅ Cleared 4/22/2026✅ Complete
2.5a.1✅5/12 — EMD check #1068 verified cleared 4/22/2026 for $2,500.00 on Chase Personal x9307 statement (April 2026).
2.5a.2✅5/12 — April 2026 Chase x9307 statement uploaded to TPO as proof of clearance.
📍2.15Figure HELOC + Down Payment Docs🔥 Today's big work
2.15.1📋Figure HELOC = 3rd lien on Fisher Rd · $120,342 limit · $1,229.89/mo. Julie on 5/12 10am call: "because you make so much, that $1,000 a month payment, whatever it is to figure loan, it's not going to matter."
2.15.2✅5/12 4:00pm — Cheryl call with Francisco · walked him through gathering Figure HELOC docs + down payment proof. Captured: HELOC Agreement (forwarded copy, no name visible on signature) · screenshots of both accounts ($120K personal x9307 + $57K joint with wife) · $118,436 Figure deposit confirmation · bank notification.
2.15.3✅5/12 2:54pm — Cheryl emailed Francisco requesting Figure docs + down payment source (forgot to CC Julie at first · forwarded to her as FYI shortly after).
2.15.4❓Awaiting Julie: Down payment + Figure HELOC docs OK to send to UW? See AWAITING JULIE section above.
📍2.6Mortgage Statements (VOM)❓ Awaiting Julie
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✅Lucy confirmed on 5/11 call that mortgage statements satisfy the Mortgage Rating condition.
2.6.3❓Awaiting Julie's blessing to submit. Cheryl wants Julie informed before sending.
📍2.3Disputed Account(s) — KCB Processing⏳ Bureau clock 24-72 hr
2.3.1✅5/11 — Borrower signed dispute letter via DocuSign (LOE-7 envelope BAB95AE3...)
2.3.2🔄5/12 — KCB dispute processing initiated · bureaus removing dispute flags · supplement to be pulled once cleared (24-72 hr clock running).
📍2.4HUD Partial Claim / Forbearance❓ Awaiting Julie review
2.4.1📋HUD Partial Claim verified at $20,595.80 (recorded 1/25/2022) — Cheryl's research from 5/11. Awaiting Julie's review of the recorded mortgage + any Flagstar reinstatement docs.
📍2.10Anti-Steering☐ Cheryl to DocuSign
2.10.1☐Disclosures - Anti-Steering condition (Prior to Docs). Cheryl to DocuSign to all parties (Cheryl + Julie + borrower) prior to disclosures going out. Not urgent — closing 5/20.
📍2.17NON-QHEM Conditions (NEW VISIBILITY 5/12)🟡 Need clarification
2.17.1🟡NON-QHEM - Due Diligence Review (ordered by Lender) — standard NON-QHEM lender ordered review · likely auto-clears once UW finishes the 14 in review.
2.17.2🟡NON-QHEM - S/E Business Narrative — "#4 Must be completed" — borrower's self-employed business narrative section 4. Cheryl to ping Lucy 5/13 to clarify what specifically is missing.
📍2.18Misc - CD/Doc Order⏳ Prior to funding
2.18.1⏳Include all invoices · Request CD via theSPOT (prior to funding step).
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
UW
CTC
Closing
Funded
📍3.1🟠 SFR vs. Multi-Family · Still Unresolved · Email to Thallissa Drafted⏳ Pending Julie review
3.1.1📋3 sources confirm SFR: Franklin County Auditor records · Michelle Ohler @ Talon Title · Julie's calls to the Auditor's office (5/11 + 5/12, including a 30+ min call). Auditor told Julie the change must be initiated from the City of Columbus zoning department.
3.1.2🟡Conflicting from Thallissa 5/12 4:22pm email: seller reportedly spoke with John at the Auditor's office · John verbally said he would make changes in the system. This contradicts what Julie was told.
3.1.3✅5/12 afternoon — Cheryl drafted formal recap email to Thallissa Bowman (with Ethel CC'd) · defines roles per Ohio guidelines · asks Thallissa to take lead on zoning + put John's commitment in writing.
3.1.4❓Awaiting Julie's review of the draft before send. See Awaiting Julie section above.
📍3.2FHA Amendatory Clause✅ Confirmed
3.2.1✅5/11 7:07pm — Julie/Ethel thread confirms FHA Amendatory received. In file.
📍3.4VOE — New Employer Info Received🔄 In progress
3.4.1📋5/12 — New employer info received via WhatsApp (name + phone only). Cheryl called and left voicemail.
3.4.2✅5/12 — Cheryl asked WhatsApp group for employer's email address for faster outreach. Awaiting reply.
3.4.3⏳Per 5/12 KCB update: earlier VOE #168636 (Jose Carmona Ramirez, Wayne Construction) shows CANCELLED in KCB · two earlier attempts also showed ERROR. Will need to reorder under correct employer once email confirmed.
📍3.5Loan Processing WhatsApp Group — Status⏳ Awaiting items
3.5.1✅5/12 7:55am — Cheryl posted updated status checklist to Loan Processing group (response to Ethel's 5/11 12:47pm bump).
3.5.2❌Still needed: Personal Savings statements (March + April 2026) · HOI Agent name/phone/email · Signed VOE from new employer · Source of down payment
📍3.3Closing Date📅 Tue 6/2
3.3.1✅Closing extension addendum to 6/2 received and acknowledged.
📍3.6Borrower Reimbursement☐ Pending
3.6.1☐$90 reimbursement to Jose — still pending
4 OFS017192, Wilder, Gomez
🟠 NEEDS ATTENTION — awaiting lender confirmation ⏰ 21 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
UW
CTC
Closing
Funded
📍4.5VOE — ✅ COMPLETED✅ 5/11 2:22pm
4.5.1✅5/11 2:22pm — VOE #168355 COMPLETED via MeridianLink (Michael Ramos / MDA Construction).
4.5.2🎉5/12 — KCB access restored. Cheryl can now pull the completed VOE herself (was previously asking Julie to pull).
📍4.6Lender Submission❓ Awaiting Julie
4.6.1📧5/12 — Cheryl emailed Julie asking about lender / submission status. Julie mentioned yesterday she was waiting on Hiram.
4.6.2❓Awaiting Julie's confirmation on which lender Gomez is going to. Once known, Cheryl uploads appraisal + 6/2 addendum to LP and preps for submission.
📍4.1HOI✅ In LendingPad
4.1.1✅5/11 — HOI Dec Page imported to LendingPad
📍4.2Appraisal — In Cheryl's Queue☐ Once lender confirmed
4.2.1✅5/6 — Appraisal completed (AV-0206162) · $330K (above $325K sale price).
4.2.2☐Upload to LP once Julie confirms which lender Gomez is going to.
📍4.3Assets / Bank Statements⏳ Verify
4.3.1⏳April bank statement (Heartland x0896, 3/21–4/20) received from team — verify personal vs. business when reviewing the file for submission.
📍4.4Closing Date📅 To upload
4.4.1☐Closing extension addendum to 6/2 — upload to LP once lender confirmed.
5 OFS017255, Gordon, Stout — PRIORITY
🟢 ON SCHEDULE · KCB ACCESS RESTORED 5/12 ⏰ 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
UW
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 — 🎉 UNBLOCKED✅ Access restored 5/12
5.3.1✅5/12 — Travis Fawcett @ KCB added Julie's files to Cheryl's account. Cheryl can now pull tri-merge directly.
5.3.2🔥Pull tri-merge 5/13 morning · register file with EPM.
📍5.4Disclosures + Submission🔥 Priority 5/13
5.4.1🔥Send disclosures as soon as credit pulled · submit loan ASAP. Julie wanted this out 5/12 — pushed to 5/13 morning due to KCB access timing.
6 OFS016788, Robert, Shields — PRIORITY
🟠 ON SCHEDULE · Emma callback after 5pm 5/12 ⏰ 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
UW
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 — Emma Callback After 5pm Tonight⏳ Emma callback after 5pm 5/12
6.3.1✅5/12 — Cheryl emailed Emma asking her to call back.
6.3.2📞Emma confirmed callback after 5pm tonight (5/12).
6.3.3🎉KCB access restored 5/12 — once Emma sends cc + auth, Cheryl pulls tri-merge directly and registers/submits.
6.3.4📋Julie's stance locked (5/12 10am call): "I'm not going to pay $190 in credit reports. They need to do it."
📍6.4Possible NEW Shields Refi Scope❓ Awaiting Julie clarification
6.4.1🟡Julie mentioned on 5/12 10am call a possible NEW Shields refinance on the house Robert actually lives in (separate from current FL Vero Beach refi). Cheryl to clarify with Julie at next reconnect.

Tuesday EOD recap · Hierarchical numbering (Category.Subcategory.Task per borrower) · Cross-referenced against 5/11 EOD recap · No journaling — work output only