👀 See something missing? Anything not captured here that should be — please reach out.

📅 Rhythm: AM outline locked daily at 6:30am ET · EOD recap posted ~7pm ET · For mid-day questions, email Cheryl with the line number (e.g., "3.4.2")

💬 Open question for Julie — CC / Email Expectations
I would like to set expectations on CC'ing you on emails — do you want to be CC'd on everything, or only on items that need your oversight and review? Happy to chat whenever you have a few minutes.

✏️ Cheryl's To Do List

Tuesday, May 12, 2026

📋 Tuesday, May 12, 2026 — What Cheryl is working on today

Cheryl's working list · Hierarchical numbering matches Monday 5/11 EOD recap

Task icons: ⛔ critical/blocking · 🔥 today · ⏳ awaiting 3rd party · ☐ to do · ✅ done · ❓ awaiting Julie

🔥 Priority Order from Julie · 10am call 5/12

MAGANA — Pull HARD CREDIT (tri-merge) via KCB → upload to A&D Mortgage. "This one we get on, like, fast and get this one done before we were working on the other one." ⛔️ Blocked on Travis @ KCB granting access (you got in twice today via Julie's texted codes but timed out).
STOUT — Get OUT TODAY. Julie: "We got this one. I've got to get this one out today for stout."
MORA — Julie locks rate this afternoon. Brokered to theLender · closing 5/20. Cheryl stands by.
SHIELDS — Emma must provide credit card. Julie: "I'm not going to pay $190 in credit reports. They need to do it."
Reconnect with Julie ~12:00–12:30pm ET to walk through more items.

1 OFS017153, Francisco, Mora

🟢 IN UNDERWRITING · closing Wed 5/20 ⏰ Wed 5/20

Current Stage: UNDERWRITING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

2.13🟢 CPL Condition — ✅ COMPLETE · Awaiting UW Review

2.13.0📜UW CONDITION (from theLender · TPO):
Type: Title · Status: Added · Published: 04/30/2026
"Title to provide a CPL w/in 90 days of closing to include the following: Loan amount, Loan Number, and Mortgagee Clause: Hometown Equity Mortgage, LLC dba theLender ISAOA, 25531 Commercentre Dr #250, Lake Forest, Ca. 92630"

2.13.1✅5/12 — CPL verified COMPLETE. CPL in file (Closing Protection Letter 006199310.pdf · dated 5/7/2026 · Stewart Title Guaranty Serial# 0000006199310) contains all required elements: Loan # 110100029822 ✓ · Mortgagee clause "Hometown Equity Mortgage, LLC dba theLender ISAOA" ✓ · Address 25531 Commercentre Dr #250, Lake Forest CA 92630 ✓ · Buyer/Borrower Francisco Hernandez Mora + Erika Jazmín Medina Barrera ✓ · Premises 5706 Gale Road Southwest, Pataskala OH 43062 ✓ · Licensed Agent Safe Hands Title LLC ✓

2.13.2✅CPL uploaded to TPO 5/11 1:08pm (88.15 KB)

2.13.3⏳Awaiting UW condition update from lender — if still flagged on next condition pull, Cheryl will ping Lucy to confirm what's needed.

2.14🟡 Property - Hazard Insurance — NEW condition 5/12 · Need RCE from Maria

2.14.0📜UW CONDITION — REVISED 5/12/2026 (from theLender · TPO):
Type: Property · Status: Added
"PROVIDE RCE FOR COVERAGE — Must verify sufficient coverage for the greater of the new mortgage loan amount or the cost of the improvements per an insurance company cost estimator. A policy that indicates 'Guaranteed' Replacement Cost is acceptable. Include Loss Payee: Hometown Equity Mortgage, LLC, dba theLender, ISAOA, 25531 Commercentre Dr #250, Lake Forest, CA 92630 & Loan Number. Must include Bill or Paid Receipt."

2.14.1🔥NEW ASK today — RCE (Replacement Cost Estimator) document needed. Lender wants AAA's cost estimator output showing how the $511,177 replacement cost was calculated for the dwelling. This is separate from the dec page, invoice, EOI, and binder already in file.

2.14.2☐Action — email Maria Hayden @ Goosehead requesting the RCE for AAA Policy # OHH3243029360. Draft prepared.

2.14.3✅All other HOI docs already uploaded to TPO 5/11 12:58–12:59pm: MoraDEC.pdf · Invoice (= the Bill) · EOI · Binder. Coverage A $511,177 + 125% endorsement (~$1.15M effective). Loan # + Loss Payable endorsement + mortgagee clause all present.

2.14.4✅HOI Carrier vs. Agent clarification for Lucy: Carrier = AAA Insurance (CSAA General Ins). Agent = Maria Hayden @ Goosehead Insurance Agency. Lucy emailed 5/11 6:40pm; Cheryl replied 5/11 6:42pm. Both answers correct (Goosehead sources the AAA policy).

2.6Mortgage Statements (VOM)

2.6.1❓5/11 2:57pm — Cheryl emailed Julie (subject: '👀‼️ ---Francisco's Last Two MTG STMETS --- Plz...') with VOM (last 2 mortgage statements showing 12 months paid). Awaiting Julie's go-ahead before submitting to UW.

2.3🔴 Credit - Disputed Account(s) — Borrower Signed · Need Julie on Fee + Form

2.3.0📜UW CONDITION (from theLender · TPO):
Type: Credit · Status: Added · Published: 04/30/2026
"Provide a credit supplement to support the disputed tradeline with Nationstar #2382 and Lockhart, Morris & Mont #3421 has been resolved."

2.3.1✅5/11 — Borrower SIGNED the dispute letter via DocuSign (envelope BAB95AE3-2936-4532-A816-FDEF83049FA6). File: LOE's/LOE-7— DISPUTE TRADELINE.pdf

2.3.2❓Awaiting Julie · Question 1 — Borrower Fee Notification
• What Cheryl needs: Julie's call on whether to notify Francisco of the ~$240 KCB processing fee (2 tradelines × 3 bureaus × $40) before charging
• Where to find it: Julie told Cheryl last week to "take care of it" but did not address the fee. KCB pricing per Cheryl's notes 5/11.
• Decision needed: Notify borrower? Eat the cost? Pass through at closing?

2.3.3❓Awaiting Julie · Question 2 — Doc Format for KCB
• What Cheryl needs: Julie's blessing to send Francisco's DocuSigned letter to Lizette @ KCB as-is, OR confirm we need to redo on KCB's exact template.
• Where to find it: KCB template at CREDIT REPORT_ KCB Dispute letter (003) (2).doc (from Lizette Tellez). Signed version at LOE's/LOE-7— DISPUTE TRADELINE.pdf. Content is substantively identical — only cosmetic differences (greeting/sign-off).
• Decision needed: Send DocuSigned version, or redo on KCB form?

2.4🔴 Credit - Loan Modification / Forbearance — Need Julie's Eyes

2.4.0📜UW CONDITION (from theLender · TPO):
Type: Credit · Status: Added · Published: 04/30/2026
"Provide forbearance with reinstatement agreement." (Credit - Loan Modification Agreement)

2.4.1❓Awaiting Julie · Question — Review Forbearance Docs
• What Cheryl needs: Julie's review of the forbearance/modification documents Francisco provided + the recorded HUD Partial Claim Mortgage ($20,595.80, recorded 1/25/2022, Flagstar).
• Where to find it: MORA-Francisco_017153/ client folder (HUD Partial Claim recorded mortgage + any Flagstar paperwork from borrower).
• Decision needed: Does theLender accept what we have, or do we need additional Flagstar forbearance + reinstatement docs before submitting?

2.5🟢 Credit - Mortgage Rating — Lucy CONFIRMED · FYI Julie

2.5.0📜UW CONDITION (from theLender · TPO):
Type: Credit · Status: Added · Published: 04/30/2026
"Provide a credit supplement or mortgage statement to verify the following: Nationstar #2382 need to verify 4/1/26 pmt."

2.5.1✅Lucy CONFIRMED on 5/11 call: "You could either do a credit supplement OR upload mortgage statements... you need to get an updated mortgage statement for wherever he made his April payment to."

2.5.2✅Mr Cooper April + May 2026 mortgage statements in file (VOM/ folder) — show April payment posted 4/17/2026 ($1,280.74). These satisfy the condition.

2.5.3❓FYI Julie · Keeping her informed
• What Cheryl needs: Julie's visibility before Cheryl submits the 2 statements to theLender.
• Where to find it: Cheryl's email to Julie 5/11 2:57pm (subject: '👀‼️ ---Francisco's Last Two MTG STMETS --- Plz...') with the 2 statements attached.
• Decision needed: None — just visibility. Lucy already confirmed. Cheryl will submit after Julie has seen them.

2.5a🟢 Assets - Earnest Money Verification — ✅ CHECK CLEARED · Uploading Bank Stmt Now

2.5a.0📜UW CONDITION (from theLender · TPO):
Type: Assets · Status: Received · Published: 04/30/2026
"Provide copy of EMD check in the amount [of the earnest money]."

2.5a.1✅EMD CHECK #1068 CLEARED 4/22/2026 for $2,500.00 on Francisco's Chase Personal x9307 account. Confirmed on April 2026 statement — appears in "Checks Paid" section AND Transaction Detail (04/22 · Check #1068 · -$2,500.00 · balance $415.81).

2.5a.2✅Receipt from escrow (Safe Hands Title) + copy of EMD check #1068 — already in file at SALES CONTRACT & EMD/

2.5a.3🔥5/12 — Cheryl uploading Chase x9307 April 2026 bank statement now as proof the EMD cleared the account. File at ASSET_CKG.../MORA-ASSET_CKG PER - CHASE x9307 _/MORA-ASSET_CKG PERSONAL - CHASE x9307 _ 202604 APRIL 2026.pdf

2.5a.4✅Per Lucy 5/11 call requirements: EMD copy ✓ · Escrow receipt ✓ · Cleared on account ✓ — all three present.

2.12Credit Conditions

2.12.1🔥Finish remaining credit conditions — target EOD Tuesday

2.2KCB Dispute Letter

2.2.1☐Working on KCB dispute letter

2.10Anti-Steering

2.10.1☐DocuSign Anti-Steering to Julie

2.11Appraisal — ✅ Back at $930K · APPROVED by Julie

2.11.1✅5/12 — Appraisal back at $930,000 (came in $100K ABOVE the $832K sale price). Appraiser Joseph Moerman / JMM Appraisals. 20-acre scope verified per hypothetical condition (legal parcel 20.965 ac).

2.11.2✅5/12 10am call — Julie reviewed + approved upload to LP. Julie's reaction: "That'll help us get the exception."

2.11.3🔥Cheryl uploading to LP this morning · brokered files also auto-flow to theLender's portal.

2.15Figure HELOC — 3rd lien on Fisher Rd

2.15.1📋Figure HELOC discovered as 3rd lien on current primary (3250 Fisher Rd) · $120,342.54 credit limit · $1,229.89/mo · 10.85% APR.

2.15.2✅5/12 10am call — Julie taking the lead on reaching out to Francisco today for the Figure documentation (note, balance, payment schedule). Julie: "We just got to figure out the money, which that's not the problem... because you make so much, that $1,000 a month payment, whatever it is to figure loan, it's not going to matter."

2.15.3⏳DTI impact = minimal given income. Awaiting Julie's outreach result.

2.16Rate Lock

2.16.1🔥5/12 afternoon — Julie locking rate today. Julie: "This afternoon, I'll get it locked." Closing 5/20.

2 OFS017328, Fernando, Magana — NEW FILE

🟠 PENDING JULIE · PENDING CONTRACT ⏰ Closing TBD

Current Stage: APPLICATION

Intro

App

Disclosures

Processing

CTC

Closing

Funded

1.0📋 TWO PROPERTIES Confirmed by Julie · 5/12 10am call

1.0.1📋Property A — 1261 Gresham Rd · $165K · CONVENTIONAL · 5% down · A&D Mortgage — the house Fernando lives in. 🔥 PRIORITY · DO THIS ONE FIRST. Julie: "This one we get on, like, fast and get this one done before we were working on the other one."

1.0.2📋Property B — 2057-2059 Bridlewood Blvd · $310K · INVESTMENT/SECOND — contract from Drive, seller has NOT signed yet. Deferred until Property A is out of UW.

1.1🔥 PRIORITY #1 — Pull HARD CREDIT (tri-merge) via KCB → A&D

1.1.1🔥Julie ordered the soft pull already · Cheryl needs to pull the HARD tri-merge via KCB so it can be uploaded to A&D Mortgage. Julie: "yeah, just get the so we can pull the hard pull, because we need the hard pull to upload it over to A and B [A&D]."

1.1.2⛔️BLOCKED on Travis @ KCB access. Cheryl got in twice today via Julie's texted codes but both timed out. Travis is in CA — no reply yet. Need BOTH hard pull AND soft pull access granted.

1.2Drive Inventory — Magana File Status

1.2.1❌Borrower's Authorization Form — signed by Fernando · not in Drive

1.2.2❌Credit Card Authorization Form (for KCB tri-merge fee) · not in Drive

1.2.3❌Application with Fernando's info — app in Drive still shows Susana Judith Vargas Diaz. Julie on 5/12 call thought she'd swapped ("I went into the drive and I changed it out. I took her name off that") but Cheryl still seeing Susana. Need clean app under Fernando A Magana.

1.2.4❌Driver's License / ID — not in Drive (need front + back)

1.2.5❌FULLY EXECUTED Contract — Property A · 1261 Gresham Rd · $165K — not in Drive (need buyer + seller signed)

1.2.6🟡FULLY EXECUTED Contract — Property B · 2057-2059 Bridlewood Blvd · $310K — Counter Offer + Disclosure Form + Rent Roll + Purchase Contract all in Drive, but BUYER-SIGNED ONLY · need seller signature

1.2.7✅Already in Drive: Tax returns 2024 + 2025 · CPA Details · Zillow listing for 1261 Gresham · Social Security card (clear) · Julie's Obsidian lender letter for Bridlewood

1.2.8⏳Will pull DOB + full SSN from Julie's soft pull in KCB once Travis restores access.

1.3Checklist Sent to Julie · 5/12 ~11:30am

1.3.1✅5/12 ~11:30am — Cheryl sent Julie the Magana checklist (with ✅/❌ Drive inventory) so Julie can forward to Ethel or post to the appropriate WhatsApp group.

1.3.2❓Awaiting Julie · Noon reconnect — Which WhatsApp group for Magana?

What Cheryl needs: Confirmation of which WhatsApp group to use for Magana communications going forward (Loan Processing? Sam + Ethel + Julie? New Magana-specific group?)
Where to find it: Open question for noon 5/12 call with Julie.
Decision needed: Group name + who else to include so Cheryl can post directly next time.

1.4Seller Credit — LP Warning · Julie REPLIED (Bridlewood file only)

1.4.1✅5/11 6:36pm — Cheryl emailed Julie (subject: '👀‼️ Fernando A Magana | New Purchase — Req...') explaining LP capped seller credit at $4,950 (3% rule, LTV > 90% Conv); $3,050 short of $8K on contract. Attached the closing disclosure (preCD-2). Asked if Julie has the contract from Ethel yet.

1.4.2🟡5/11 7:04pm — Julie replied: "Ok ... change to that" (sent from Verizon Samsung). Reply is ambiguous — likely cut off or autocorrected. Need to clarify with Julie today before changing the seller credit in LP from $8,000 → $4,950.

1.5Contract Received — 🟠 MULTIPLE MISMATCHES vs. LP · NEEDS JULIE REVIEW

1.5.1❓Contract is in DRIVE (folder: Fernando Magana → "Contract — 2057 Bridlewood Boulevard.pdf"). LP and the contract do NOT match. Need Julie to review both and advise on next steps.

1.5.2📋 Side-by-side gap:

Item	LP / preCD-1 (per Julie's email 5/11 3:47pm to Cheryl + Ryan)	Contract in Drive
Sales Price	$165,000	$310,000
Loan Amount	$156,750	TBD (depends on resolved sales price)
Subject Property	1261 Gresham Rd, Columbus OH 43204	2057-2059 Bridlewood Blvd, Columbus OH 43207
Title Company	Associates Title (Ryan Phillips)	Talon Title — Dublin
Seller	(not in LP)	Grow2Give, LLC (agent: Brett Ludwig, member of selling entity)
Seller Credit	$8,000 (LP capped at $4,950 per 3% rule)	$8,000 ✓ consistent

1.5.3⏳Contract status: Counter Offer #1 dated 5/11/2026. Not fully executed — seller signatures still missing in required places.

1.5.4📁WHERE TO LOOK:

Drive: Fernando Magana folder → contract PDF (Bridlewood)
Julie's lender letter in same Drive folder ("Fernando lend ltr.pdf") dated 5/11 — references 2057-2059 Bridlewood Blvd, so the address may already be known on Julie's side; the open question is the sales price
Julie's email to Cheryl + Ryan @ 5/11 3:47pm: "New purchase price will be 165,000 · Loan amount will be: 156,750"
LP: currently entered using 1261 Gresham / $165K / $156,750 — matches Julie's email, not the contract

3 OFS017255, Gordon, Stout — PRIORITY

🟠 BLOCKED on KCB access ⏰ Submit ASAP

Current Stage: DISCLOSURES

Intro

App

Disclosures

Processing

CTC

Closing

Funded

5.0🔥 JULIE WANTS THIS OUT TODAY · 5/12 10am call

5.0.1🔥Julie: "We got this one. I've got to get this one out today for stout." Push to clear and submit today.

5.3KCB Access — Travis at KCB engaged

5.3.1✅5/11 5:07pm — Travis Fawcett (owner, KCB Credit LLC) emailed Cheryl (cc: Julie, Elisha): "I got a message that you are looking to get access to Julie's credit pulls through your user account. Did you need access to Julie's soft pulls OR just hard pull credit reports?"

5.3.2✅5/11 7:30pm — Cheryl replied "BOTH" (hard pulls AND soft pulls).

5.3.3🟡5/12 — Got in twice today via Julie's texted codes — both timed out fast. Travis is in CA, no reply yet today. Need BOTH hard + soft pull access granted.

5.4Disclosures + Submit

5.4.1🔥Send disclosures as soon as credit pulled · submit loan ASAP (Julie's directive: TODAY)

4 OFS016788, Robert, Shields — PRIORITY

🟠 BLOCKED on borrower credit card ⏰ Submit when card received

Current Stage: DISCLOSURES

Intro

App

Disclosures

Processing

CTC

Closing

Funded

6.0Borrower Contact Info

6.0.1📋Robert S Shields · SSN ***-**-2573 · Home Phone (908) 343-4546 · Email shieldsliz1976@gmail.com

6.0.2📋Emma N Shields · SSN ***-**-7233 · Home Phone (908) 343-4546 · Email emmashields322@gmail.com

6.0.A❓ Verify Emma's Phone Number — Awaiting Julie

6.0.A.1🟡What Cheryl needs: Confirmation of Emma N Shields' phone number. File lists same home phone as Robert: (908) 343-4546.

6.0.A.2🟡Where to find it: Cheryl called 5/12 — voicemail answered with a woman's voice saying "Hi, this is Janice, leave a message." Not Emma.

6.0.A.3❓Decision needed: Confirm Emma's correct cell/phone so Cheryl can reach her for the credit card authorization form.

6.3Credit Card + Tri-Merge — Julie's Stance Locked

6.3.1🔥5/12 10am call — Julie's position: "I'm not going to pay like $190 in credit reports. They need to do it." Emma must provide her credit card; OFS/Julie will not absorb the cost.

6.3.2✅5/12 — Cheryl emailed Emma asking her to call back (no callback yet from voicemail attempts)

6.3.3☐Once card received → pull tri-merge via KCB (same Julie code flow) · register + submit

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

6.4Possible NEW Shields Refi Scope · Awaiting Julie clarification

6.4.1🟡5/12 10am call — Julie referenced a potential NEW Shields refinance on the house Robert actually lives in (separate from current FL Vero Beach refi). Cheryl to clarify with Julie at noon reconnect: which file is which, and whether this is a new lead vs. our current file.

5 OFS017192, Wilder, Gomez

🟠 NEEDS ATTENTION — did not submit Monday ⏰ Tue 6/2

Current Stage: PROCESSING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

4.6Lender Submission

4.6.1🔥Tuesday AM appt with Julie to discuss lender choice + credentials

4.2Appraisal

4.2.2☐Put appraisal in LendingPad

4.3Bank Statement

4.3.1⏳Verify Heartland x0896 April stmt is personal vs business

4.4Closing Extension

4.4.1☐Upload 6/2 closing addendum to LP

4.5VOE — ✅ COMPLETED · Awaiting Julie to Pull from KCB

4.5.1✅5/11 2:22pm — VOE #168355 for Wilder Gomez COMPLETED via MeridianLink (Michael Ramos / MDA Construction · no-reply notification email).

4.5.2❓5/12 — Asked Julie to pull the completed VOE from KCB and send to Cheryl. Completed VOE is sitting in Julie's KCB account. Cheryl is still locked out until Travis grants access (which is also why she can't pull it herself).

6 OFS017214, Jose, Ramirez

🟠 NEEDS ATTENTION ⏰ Tue 6/2

Current Stage: PROCESSING

Intro

App

Disclosures

Processing

CTC

Closing

Funded

3.1SFR vs. Multi-Family

3.1.1⏳Waiting on Thallissa / county clarification — appraisal due 5/15

3.2FHA Amendatory — ✅ Confirmed

3.2.1✅5/11 7:07pm — Julie Couts + Ethel Figueroa thread on "Ramirez | 2822 South High St | FHA Amendat..." — Cheryl reacted 👍 (Amendatory received per the thread). Pull the executed Amendatory into the file.

3.4VOE

3.4.1✅Employer figured out — Wayne Construction (Bruce Wayne · 4160 Anson Dr, Hilliard OH 43026 · 614-670-8979 · mail@wayneconstruction.biz)

3.4.2⏳Signed VOE not yet returned from employer — being chased through Lizette @ KCB

3.5Loan Processing WhatsApp Group — Status

3.5.1✅5/12 7:55am — Posted updated status checklist to Loan Processing group (replied to Ethel's 5/11 12:47pm "Plz @Cheryl can you give me updates on this list")

3.5.2✅Received in Drive: J Luis Construction Business statements (CKG-BIZ Chase x0331) — March 2026 + April 2026

3.5.3❌Still needed: Personal Savings account statements — March 2026 + April 2026 (NOT in Drive)

3.5.4❌Still needed: Homeowners Insurance Agent — Name, Phone, Email

3.5.5❓New question to Ethel's team: Where is the money for the down payment coming from? How is he paying that?

3.6Borrower Reimbursement

3.6.1☐$90 reimbursement to Jose