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Martinez, Carlos & Ana
Stage 4 · Underwriting
4821 Coral Way, Miami FL 33146  ·  LO: Sarah Kim  ·  LP: James Torres  ·  Agent: Diana Sousa  ·  Loan #FNB-2026-48821
Lock: 4 days ✓ AI pre-filled
May 2
Closing date
4
Lock days left
Extend today
7/16
Checklist done
24
Days to closing
6.875% locked
Through May 13, 2026 · 30-yr fixed · Conventional
4 days to extend rate
Rate details →
Deal progress
7 of 16 complete · 44%
⚠ Next step — action needed today
Submit final conditions package to underwriter · First National Bank
Waiting on
Carlos & Ana 2 James (LP) 1 Linda Park (UW) 1
Checklist
Notes
Docs
Activity3
Deal info
Contacts
Show:
Contract & setup
4 of 4 complete
Contract uploaded & AI contract review completed
LO Complete Done Apr 1 · 9:28am by Sarah Kim AI
LP notes
HOA welcome form pre-filled & sent
TC Complete Done Apr 1 · 9:30am by Auto to Sandra Vega AI
LP notes
Title welcome sent — Sunshine Title
TC Complete Done Apr 1 · 9:31am by Auto to Angela Rivera AI
LP notes
Contact collection links sent — buyer, buyer agent, seller agent
LP Complete Done Apr 1 · 9:32am by James Torres
LP notes
Inspection & insurance
3 of 3 complete
All 8-party contacts collected
LP Complete Done Apr 2 · 11:30am by James Torres
LP notes
Inspection completed — report & receipt received
Borrower Complete Done Apr 5 · 10:15am by Ray Okonkwo (inspector)
LP notes
Appraisal received — $491,000 ✓ above purchase price
LO Complete Done Apr 6 · 11:20am by Sarah Kim
LP notes
Underwriting & conditions
3 of 12 complete
Claude read UW conditions Apr 7 · 8 conditions · 2 cleared · 6 open
Package due: Apr 14
Underwriter: Linda Park · First National Bank l.park@fnb.com (305) 555-0600
8
Total
3
Needed
2
Received
1
Submitted
2
Cleared
Upload to:
encompass.elliemae.com/loan/FNB-2026-48821
Inherited from LO Sarah Kim
Submit package to LOS →
File submitted to underwriting
LP In progress Due today Lock in 4 days
Submit in LOS →
LP notes
UW Conditions — 8 items
From Linda Park @ First National Bank
1 condition received — ready to submit for review at FNB
30-day pay stubs — both borrowers
Borrower Needed Due Apr 10 · OVERDUE Income
● Needed
○ Received
○ Submitted
○ Cleared
Upload to LOS →
LP note
60-day bank statements — all accounts
Borrower Received Due Apr 11 · 3 days Assets
✓ Received Apr 7 · 11:05am
● Submitting
○ Cleared
Upload to LOS →
LP note
Homeowners insurance — 12-month prepaid receipt
Insurance Needed Due Apr 12 · 4 days Property
● Needed
○ Received
○ Submitted
○ Cleared
Upload to LOS →
LP note
HOA estoppel letter — current dues, assessments, balance
HOA Needed Due Apr 12 · 4 days Title
● Needed
○ Received
○ Submitted
○ Cleared
Upload to LOS →
LP note
VOE — verification of employment, both borrowers
LP Submitted Submitted Apr 7 Income
✓ Received Apr 6 · 4:30pm
✓ Submitted Apr 7 · 9:02am
● Awaiting UW clear
View in LOS →
LP note
Letter of explanation — $18,400 deposit Mar 14
Borrower Needed Due Apr 10 · OVERDUE Assets
● Needed
○ Received
○ Submitted
○ Cleared
Upload to LOS →
LP note
Clear title search — no liens or encumbrances
Title Cleared Cleared Apr 8 · 9:15am by Linda Park (UW)
✓ Received Apr 6 · 4:30pm
✓ Submitted Apr 6 · 4:32pm
✓ Cleared Apr 8 · 9:15am
Insurance binder · mortgagee clause verified
Insurance Cleared Cleared Apr 8 · 2:45pm by Linda Park (UW)
✓ Received Apr 8 · 1:20pm
✓ Submitted Apr 8 · 1:22pm
✓ Cleared Apr 8 · 2:45pm
Conditional approval received
UW Not started Due Apr 21
LP notes
Clear to close & closing
0 of 3 complete
Clear to close issued
UW Not started Due Apr 25
LP notes
Title closing confirmation received · GPS link scheduled
Title Not started Due Apr 30 · Angela Rivera
LP notes
Deal closed · post-closing sequence starts automatically
LP Not started Due May 2
LP notes
Lending team
SK
Sarah Kim
Loan Officer · Prime Mortgage
s.kim@primemortgage.com · (305) 555-0100
Default LOS: Encompass
Email + Text
JT
James Torres
Loan Processor · Prime Mortgage
j.torres@primemortgage.com · (305) 555-0101
Text + Email
Buyers
CM
Carlos Martinez
Buyer
c.martinez@gmail.com · (305) 555-0144
Text + Email
Agents
DS
Diana Sousa
Buyer Agent · Premier Realty Group
diana@premierrealty.com · (786) 555-0231
Text + Email
TW
Thomas Webb
Seller Agent · Coastal Properties LLC
twebb@coastal.com · (305) 555-0177
Email
Title & HOA
AR
Angela Rivera
Title Officer · Sunshine Title Group
a.rivera@sunshinetitle.com · (305) 555-0192
Email + Call
SV
Sandra Vega
HOA Manager · Coral Way HOA
svega@coralwayhoa.com
Email
Underwriter
LP
Linda Park
Underwriter · First National Bank
l.park@fnb.com · (305) 555-0600
Email
Property
Property address
4821 Coral Way
Miami, FL 33146
Property type
Single Family
Primary residence
Purchase price
$485,000
Appraised value
$491,000
+$6,000 over purchase
Tax ID / Folio
01-4121-003-0010
Flood zone
Zone X
No flood insurance required
Loan details
Loan amount
$388,000
Loan type
Conventional
Loan term
30-yr fixed
Interest rate
6.875%
Locked
APR
7.042%
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
Est. closing costs
$9,700
Earnest money
$9,700
Cash to close
$92,150
Due at closing
Key parties
LO
Sarah Kim
(305) 555-0100
LP
James Torres
(305) 555-0101
UW
Linda Park · First National Bank
(305) 555-0600
TC
Auto TC · LoanBuddies
Automated workflow
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
Lender loan number
FNB-2026-48821
MLS number
A11234567
MERS MIN
100-4821-0000-48821-3
Filter: All activity System AI LP LO Borrower
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
Apr 5 · 10:15 AMLP James TorresSystem
Rate lock confirmed — 6.875% through May 13, 2026 · Confirmation PDF uploaded →
Apr 3 · 2:15 PMLO Sarah KimConfirmed
Appraisal ordered — Patterson Appraisal Group assigned
Apr 3 · 9:40 AMLO Sarah Kim
Introduction email fired to all 9 parties · Martinez deal kickoff
Apr 2 · 2:10 PMSystemAI
TC contact form submitted by Diana Sousa · buyer agent info collected
Apr 2 · 11:30 AMDiana Sousa
TC contact form sent to 8 parties · buyer, agents, title, HOA, insurance
Apr 1 · 9:32 AMSystem
HOA estoppel request sent to Sandra Vega — Coral Way HOA
Apr 1 · 9:30 AMSystemAIAuto from contract
AI contract review completed — 28 fields extracted, 5 flags raised
Apr 1 · 9:28 AMClaude AIAI review
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
JT
James Torres Apr 8 · 7:14 AM Pinned
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 Torres Apr 7 · 4:22 PM Re: 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 Kim Apr 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 Torres Apr 5 · 2:10 PM Re: 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 Kim Apr 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 ✓
Prelim CD / Title commitment
Uploaded Apr 9 · Angela Rivera · 12 pages
Reviewed ✓
Rates & Estimates
Rate lock confirmation
Uploaded Apr 3 · 2:15pm · Sarah Kim · 6.875% through May 13, 2026
Active
Rate lock extension
Not requested yet
Not requested
Loan Estimate — initial
Uploaded Mar 31 · 4:40pm · Sarah Kim · issued within TRID window
Issued ✓
Loan Estimate — revised
Not applicable — no material changes
Not needed
Inspection & Insurance
Home inspection report
Uploaded Apr 5 · Ray Okonkwo · 34 pages
Reviewed ✓
Insurance binder / declarations page
Uploaded Apr 8 · Carlos Martinez · 4 pages · Condition cleared
Cleared ✓
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 ✓
Underwriting & Approval
Approval letter & conditions
Waiting on file submission to underwriter
Not yet Upload
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
Attach to:
SK
Sarah Kim
Loan Officer · Prime Mortgage
LOSEncompass
Emails.kim@primemortgage.com
Phone(305) 555-0100
PrefEmail + Text · after 6pm OK
Deals12 active · 3 in UW
Call Text Email
JT
James Torres
Loan Processor · Prime Mortgage
Emailj.torres@primemortgage.com
Phone(305) 555-0101
PrefText + Email · after 6pm OK
Deals18 active · 6 in UW · 2 at CTC
Call Text Email
DS
Diana Sousa
Buyer Agent · Premier Realty Group
Emaildiana@premierrealty.com
Phone(786) 555-0231
PrefText + Email · after 6pm OK
Deals3 active with Prime
Call Text Email