📝 Tue 5/12 EOD Recap 📋 Friday 5/15 — Cheryl's To Do List
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✉️ EMAIL CHERYL
📅 Rhythm: AM outline locked daily at 6:30am ET · EOD recap posted ~7pm ET. Built mid-day 5/15 at 10:00am.

✏️ Cheryl's To Do List

Friday, May 15, 2026

📋 Friday, May 15, 2026 — What Cheryl is working on today

🔥 TOP PRIORITY — KNOCK OUT FIRST

  1. MORA — Update CD/Doc Order with $18,304 Lender Paid Broker Compensation + $125 Reimbursement for Credit Report → resubmit to Lucy today
  2. RAMIREZ — Send firm reply to Thallissa with Jerry Holden (broker) CC'd · drafted and ready
  3. MAGANA-Gresham — Email Ethel: contract concession must be $4,950 (3% of $165K) NOT $8,000
  4. GOMEZ + RAMIREZ — Verify VOEs in TPO (today's task)
  5. ARITA — Wait for Julie intake, then start file in LP + send disclosures
File-level status: 🟢 MOVING FORWARD · 🟠 NEEDS ATTENTION · 🔴 BLOCKED · 🟡 SUSPENDED · ✅ CLOSED/FUNDED
Sub-milestone icons: ✅ Done · ☐ Not started · ⏳ Waiting on 3rd party · 🟡 Issue · ❓ Awaiting Julie · ⛔️ Blocked

⏰ Closing Watch

FileClosingDays to CloseStatus
OFS017153 · Francisco MoraWed 5/205 MORE DAYS🟢 MOVING FORWARD · 9 conditions in UW review
OFS017192 · Wilder GomezTue 6/218 MORE DAYS🟠 NEEDS ATTENTION · Waiting on seller agent (septic)
OFS017214 · Jose RamirezPending extensionBLOCKED🔴 BLOCKED · Listing-side items outstanding
OFS017255 · Gordon StoutTBDPRIORITY🟠 EPM registration paused (Loan Purpose fix)
OFS016788 · Robert ShieldsTBDPRIORITY🟠 Awaiting Emma callback
OFS017328 · Fernando MaganaTBD (×2 files)PRIORITY🟠 NEEDS ATTENTION · 2 properties to file
NEW · Yerin AritaTBDNEW🟠 Awaiting Julie intake
NEW · Ana Mireya AlonsoTBDNEW🟠 Awaiting Julie intake
NEW · Kristen HernandezTBDNEW🟠 Awaiting Julie intake
⏳ AWAITING JULIE — TOP-LEVEL DECISIONS NEEDED
1OFS017153 · Francisco Mora · 5706 Gale Road SW, Pataskala OH
🟢 MOVING FORWARD · CD REQUESTED BY LUCY ⏰ 5 DAYS TO CLOSE · Wed 5/20
📩 From Lucy 5/15 10:15 AM: "I went ahead and requested the cd for you. rush the correct doc order in." Lucy noted broker fee = $18,304 missing from doc order. Anti-steering + Business Narrative attached.
1.1 — CD/Doc Order (TOP PRIORITY)
1.1.1🔥TODAYUpdate CD/Doc Order: add Lender Paid Broker Compensation $18,304 + Reimbursement for Credit Report $125 → TOTAL CHECK TO BROKER $18,429
1.1.2🔥TODAYResubmit corrected CD/Doc Order to Lucy via TPO + email confirmation
1.2 — Anti-Steering + Business Narrative (Lucy provided forms)
1.2.1🟢TODAYUse Lucy's attached Anti-Steering form → get Julie's signature → upload to TPO
1.2.2🟢TODAYUse Lucy's attached Business Narrative form → complete #4 line → upload to TPO
1.3 — Cash to Close Gap (AWAITING JULIE)
1.3.1❓$47,788 short ($149,859 verified vs $196,398 required) — Julie to advise on joint $50K account or backup lever
📜 Condition (5/13): "Provide most recent 1 months Bank Statement to support cash to close in the amount of $180399.11. In addition to reserves required in the amount of $17248.05. Total required funds $196398.87. Verified assets $149,859.03 short $47,788.58"
1.4 — Conditions In UW Review (submitted, awaiting lender)
1.4.1⏳Credit - Loan Modification Agreement (HUD docs submitted 5/14 — 6-doc packet)
1.4.2⏳Credit - Non-Permanent Resident Alien (EAD uploaded 5/14 — current card 10/04/24 to 10/03/26)
1.4.3⏳Credit - Primary Residence (Figure HELOC + HOA LOE)
1.4.4⏳NON-QHEM Due Diligence Re Review
1.4.5⏳Property - Purchase Contract
1.4.6⏳Property - Purchase Contract Extension
1.4.7⏳Credit - Disputed Account(s) (no rescore needed — lender accepted)
1.4.8⏳Assets - Bank Statements (NON-QHEM) — cash to close gap
1.4.9⏳Title - Prelim Title Commitment (CAUV item #19 removal)
1.5 — Still Pending Third Parties
1.5.1⏳Property - Hazard Insurance / RCE — Maria @ Goosehead (emailed 5/12)
1.5.2⏳Property - Appraisal ADD'L Info (6 items) — AmeriMac (emailed 5/14)
1.5.3⏳Assets - QC VOD Chase #9307 — lender secured link to borrower (monitor)
1.5.4⏳Acres exception (20-acre) — Lucy asking management, will get back to us
1.6 — Cleared This Week ✅
1.6.1✅Misc - CD/Doc Order required prior to ordering CD — CLEARED 5/15
1.6.2✅Assets - Earnest Money Verification — CLEARED
1.6.3✅Property - Purchase Contract Counter Offer #1 — RECEIVED by lender
1.6.4📊20 of 32 total conditions SATISFIED · 12 open · 9 currently in UW review
2OFS017214 · Jose Ramirez · 2822 S High St, Columbus OH
🔴 BLOCKED · LISTING-SIDE ITEMS ⏰ PENDING EXTENSION
2.1 — Today's Action
2.1.1🔥TODAYSend firm reply to Thallissa with Jerry Holden (broker @ jerry@theholdenagencyre.com) CC'd · drafted and ready
2.1.2🔥TODAYVerify Ramirez VOE in TPO
2.2 — Outstanding from Listing Side
2.2.1⏳FHA Amendatory Clause signed (per Thallissa 5/15 — needs to be forwarded)
2.2.2⏳Signed addendum with seller's conditions (per Thallissa 5/15 — needs to be forwarded)
2.2.3⏳Extension addendum (NOT yet signed by seller)
2.2.4⏳Rick Mardis letter from Columbus Zoning (referenced 5/13, never forwarded)
2.2.5⏳Written follow-up from John @ Franklin County Auditor's office
📝 Note: Julie won't speak to Thallissa anymore. Ethel has filed a complaint. Cheryl looping in Holden Agency broker (Jerry Holden) on next email.
3OFS017192 · Wilder Gomez · 70 Riverside Dr, Galloway OH
🟠 NEEDS ATTENTION · BORROWER IN CHINA ⏰ 18 DAYS · Tue 6/2
3.1 — Today's Action
3.1.1🔥TODAYVerify Gomez VOE in TPO
3.2 — Open
3.2.1⏳Septic vs City Sewer confirmation — emailed Brandon Collins @ Red 1 Realty 5/14
3.2.2⏳Easement docs for leach field (per appraiser note: leach field may be on neighbor's land)
3.2.3⏳3rd party septic inspection (appraiser made report subject to)
3.2.4✅Appraisal returned, value fine — only condition is septic inspection
3.2.5⛔️Borrower traveling in China — unreachable for several days
4OFS017255 · Gordon Stout · 1190 Toboso Rd, Newark OH
🟠 EPM REG PAUSED · AWAITING AE ⏰ PRIORITY
4.1 — EPM Wholesale Registration
4.1.1🟠Loan Purpose set wrong: shows "Cash-Out Refinance" but should be "Streamline Refinance" — awaiting AE callback to fix
4.1.2⏳Once corrected → select FHA Streamline (Credit Qualifying) 30 Year Fixed
4.1.3⏳Then continue Pricing → Fees → AUS → Disclosures → Submit
4.2 — In File
4.2.1✅Credit pulled by Julie 5/13 9:48am · 792 mid-score · in LP
4.2.2✅preCD1 · Mortgage Stmt · Title Work Order Confirmation in folder
📋 Key facts: EPM Wholesale · FHA Streamline · $223,850 · 5.75% borrower-paid · LTV 75.86% · Title: Associate Title (Ryan Phillips, NOT Safe Hands) · Non-borrowing co-applicant: Helen E. Stout (wife) · NB spouse email: mydogbusiness@yahoo.com
5OFS016788 · Robert Shields
🟠 AWAITING EMMA CALLBACK ⏰ PRIORITY
5.1 — Open
5.1.1⏳Emma to send CC Authorization + Borrower Authorization (Cheryl left voicemail 5/14 at 908-343-4546)
5.1.2⏳Once received → pull tri-merge via KCB
5.1.3⏳Then register with EPM Wholesale
6OFS017328 · Fernando Magana · TWO FILES NEEDED
🟠 SPLIT INTO 2 LP FILES ⏰ PRIORITY
6.A — FILE 1: 1261 Gresham Rd (Owner-Occupied · Primary)
6.A.1🔥TODAYEmail Ethel: Contract concession must be $4,950 (3% of $165K cap @ 95% LTV conventional) — NOT $8,000
6.A.2❓Confirm Gresham price with Julie ($135K per 5/11 email vs $165K current)
6.A.3🔥TODAYRequest Borrower Authorization + CC Authorization from Magana
6.A.4⏳Pull hard tri-merge via KCB once auths received
6.A.5⏳Ask Gabby for the $165K contract
📋 Per Julie's 5/11 email: Conventional · 5% down · 7.125% rate · A&D Mortgage · Seller credit $8K (currently — needs correction to $4,950)
6.B — FILE 2: 2057-2059 Bridlewood Blvd (Investment Duplex)
6.B.1🔥TODAYOrder preCD from title for $310K duplex
6.B.2🔥TODAYVerify page 16 of contract — confirm "offer has been viewed" signature is correct; if not, send to seller agent for fix
6.B.3✅Counter offer seller-signed in folder
6.B.4❓Confirm with Julie: Bridlewood loan terms (lender, rate, down %)
6.B.5❓Confirm with Julie: Susana Judith Vargas Diaz role on file(s)
📁 Drive Triage: Ethel's Drive folder for Magana is a hot mess — multiple WhatsApp screenshots, duplicate lender letters, ID images mixed. Recommend 30-min cleanup block.
7NEW FILE · Yerin Arita · 1040 Greeley Drive, Galloway OH
🟠 NEW FILE · AWAITING JULIE INTAKE ⏰ NEW
7.1 — Today's Action
7.1.1❓Need from Julie: loan amount, rate, lender, terms
7.1.2⏳Once intake received → start file in LP
7.1.3⏳Send disclosures
📋 Confirmed: Property: 1040 Greeley Drive, Galloway OH · Title: Jillian McGuire @ World-Class Title · Listing Agent: Peter @ Red One Realty
8NEW FILE · Ana Mireya Alonso
🟠 NEW FILE · PENDING INTAKE ⏰ NEW
8.1 — Today's Action
8.1.1❓Need from Julie: property address, loan amount, rate, lender, terms, contract status
8.1.2⏳Folder exists in Drive (Mireya Alonso) — review intake docs
8.1.3⏳Once intake received → start file in LP + send disclosures
9NEW FILE · Kristen Hernandez
🟠 NEW FILE · PENDING INTAKE ⏰ NEW
9.1 — Today's Action
9.1.1❓Need from Julie: property address, loan amount, rate, lender, terms, contract status
9.1.2⏳Folder exists in Drive (Kristen Hernandez) — review intake docs
9.1.3⏳Once intake received → start file in LP + send disclosures

✅ Today's Checklist · Order of Operations

  1. Fire Ramirez email (Thallissa + Jerry Holden) — already drafted
  2. Update Mora CD/Doc Order with $18,304 LPC + resubmit to Lucy
  3. Use Lucy's Anti-Steering form (get Julie sig) + Business Narrative form
  4. Email Ethel about Magana Gresham $4,950 concession fix
  5. Email Gabby for $165K contract
  6. Verify Gomez VOE in TPO
  7. Verify Ramirez VOE in TPO
  8. Send Magana the Borrower Auth + CC Auth requests
  9. Magana — order preCD on Bridlewood + verify page 16 signature
  10. Mora — wait for Julie reply on cash to close gap + $395 RE Fee + LPC % confirmation
  11. Arita — wait for Julie intake, then start LP file + send disclosures
  12. Stout — wait for AE callback, complete EPM registration
  13. Reply to Lucy at theLender — acknowledge CD request + plan to resubmit doc order
Generated 5/15/2026 · 10:00 AM
Cheryl Falkner · NMLS# 1959125 · Proudly partnering with Julie Couts Lending Team