Mortgage clause · for insurance binderFrom lender record
First National Bank, ISAOA/ATIMA P.O. Box 48821, Charlotte, NC 28201
MB
Marcus Bell
Account Executive · First National Bank
m.bell@fnb.com · (305) 555-0610
Email + Text
Deal data verification
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Lot 17, Block 4, of CORAL WAY ESTATES, according to the Plat thereof, as recorded in Plat Book 42, Page 18, of the Public Records of Miami-Dade County, Florida.
Loan details
Loan amount
$388,000
Loan type
Conventional
Loan term
30-yr fixed
Interest rate
6.875%
Locked
APR
7.042%
AUS findings
DU · Approve/Eligible
Run Apr 2 · from LO intake
Rate lock expires
May 13, 2026
4 days remaining
Financial summary
Purchase price
$485,000
Loan amount
$388,000
Down payment
$97,000
20% of purchase
LTV
80%
Seller concessions
$4,850
Funding sources
AssetsGift FundsSeller Concessions
From LO at intake
Est. closing costs
$9,700
Earnest money
$9,700
Cash to close
$92,150
Due at closing
Asset detail
✓ Verified Apr 5
Checking AI
Bank of America · ending 4218
$28,450
Savings AI
Bank of America · ending 7791
$42,300
401(k) AI
Fidelity · Carlos Martinez
$76,200
Gift Funds
From Maria Hernandez (mother) · Letter on file
$20,000
Key dates
Application date
Mar 28, 2026
Contract date
Apr 1, 2026
Inspection deadline
Apr 11 ✓
Completed Apr 5
Appraisal deadline
Apr 18 ✓
Completed Apr 6
Closing date
May 2, 2026
24 days away
Rate lock through
May 13, 2026
Loan numbers & references
LoanBuddies deal ID
LB-MTZ-48821
MERS MIN
100-4821-0000-48821-3
Filter:All activitySystemAILPLOBorrower
3 new since you last opened this deal (Apr 5, 2:15pm)
Appraisal received — $491,000 · above purchase price
Apr 6 · 11:20 AMLO Sarah KimGood news
Pay stubs — 30-day — uploaded by Carlos Martinez
Apr 6 · 9:02 AMBorrowerCondition received
Insurance binder received · mortgagee clause verified · condition cleared
Apr 5 · 4:48 PMLP James Torres
Inspection completed — report and paid receipt uploaded
Deal created — Martinez purchase contract uploaded by Sarah Kim
Apr 1 · 9:14 AMLO Sarah Kim
Loan Estimate issued — initial LE within TRID window · View in Docs →
Mar 31 · 4:40 PMLO Sarah KimIssued
Add a note · internal to LP + LO only
SK
Sarah KimApr 1 · 9:24 AMFrom LO at intakeBriefing
LoanConventional · 30-yrDown20% · $97,000AUSDU · Approve/EligibleFundingAssets + Gift + ConcessionsDocs in LOSPartial
Borrowers are pre-approved and motivated — Ana's been ready to close since March. Gift letter from Carlos's mother coming this week ($20k). Carlos travels Apr 15–22 for work in Puerto Rico, please plan UW timing around that. Still need updated pay stubs from Carlos — he's promised them by Friday. Diana is solid — she'll keep both sides moving. Aiming for May 2 close.
JT
James TorresApr 8 · 7:14 AMPinned
Carlos travels Apr 15–22 for work (Puerto Rico). Expect lag on any borrower-side conditions during that window. Ana has authority to sign on everything if needed.
JT
James TorresApr 7 · 4:22 PMRe: 30-day pay stubs
Called Carlos — he's on PTO until Thursday. Ana said she'll send hers from work tomorrow. Flagging so @Sarah knows not to nudge UW until Fri.
SK
Sarah KimApr 6 · 11:45 AM
Appraisal came in at $491K — $6K above purchase. Good spot. Carlos & Ana are thrilled. Shared the news on our call this morning.
JT
James TorresApr 5 · 2:10 PMRe: HOA estoppel
Sandra at Coral Way HOA is notoriously slow. Last Martinez deal (different property) took 12 business days. Sending follow-up email today and will call Monday if no response.
SK
Sarah KimApr 1 · 10:02 AM
Martinez's are second-time buyers — refinanced their Kendall condo with us in '23. Carlos knows the drill, easy client. Strong W-2 income both sides.
Document hub
All deal documents · 4821 Coral Way · 7 received · 1 pending · 4 awaiting milestone
Contract & Setup
Purchase contract
Uploaded Apr 1 · Sarah Kim · 18 pages
Reviewed ✓
Share: Purchase contract
Hi Angela — I just emailed you the Purchase Contract for 4821 Coral Way. Check your inbox and let me know if you have questions. — James Torres (305) 555-0101
Prelim CD / Title commitment
Uploaded Apr 9 · Angela Rivera · 12 pages
Reviewed ✓
Share: Prelim CD / Title commitment
Hi James — I just emailed you the Prelim CD for 4821 Coral Way. Check your inbox and flag the LP fee line. — Sarah Kim (305) 555-0100
Rates & Estimates
Rate lock confirmation
Uploaded Apr 3 · 2:15pm · Sarah Kim · 6.875% through May 13, 2026
Active
Share: Rate lock confirmation
Hi Carlos & Ana — I just emailed you your rate lock confirmation for 6.875% through May 13. Check your inbox. — James (305) 555-0101
Rate lock extension
Not requested yet
Not requested
Loan Estimate — initial
Uploaded Mar 31 · 4:40pm · Sarah Kim · issued within TRID window
Issued ✓
Share: Initial Loan Estimate
Hi Carlos & Ana — I just emailed you your Loan Estimate. Check your inbox. — James (305) 555-0101
Loan Estimate — revised
Not applicable — no material changes
Not needed
Inspection & Insurance
Home inspection report
Uploaded Apr 5 · Ray Okonkwo · 34 pages
Reviewed ✓
Share: Home inspection report
Hi Diana — I just emailed you the Home Inspection Report for 4821 Coral Way. Check your inbox. — James Torres (305) 555-0101
Hi Linda — I just emailed you the Insurance Binder for 4821 Coral Way (Martinez, Loan #48821). Check your inbox. — James Torres (305) 555-0101
HOA & Appraisal
HOA estoppel letter
Requested Apr 1 · Awaiting from Sandra Vega
Pending
Appraisal report
Uploaded Apr 6 · Sarah Kim · $491,000 appraised value
Reviewed ✓
Share: Appraisal report
Hi Linda — I just emailed you the Appraisal Report for 4821 Coral Way — came in at $491K, above purchase price. Check your inbox. — James Torres (305) 555-0101
Underwriting & Approval
Approval letter & conditions
Waiting on file submission to underwriter
Not yetUpload
Closing documents
Final closing disclosure (CD)
Not yet available — issued at clear to close
Pending CTC
Upload
Signed closing package
Available after closing day — May 2, 2026
Post-close
Upload
7 documents received
1 pending
4 awaiting milestone
Package all for UW →
Add a note
Quick note to the Martinez deal file · internal to LP + LO only