Welcome to Your Contract-to-Close Dashboard,
JOSEPH-CINEUS FAMILY.
Congratulations — you're under contract! This is your dedicated contract-to-close dashboard, designed to guide you through every step from signed contract to closing day.
Here you will find real-time updates, important milestones, key documents, and everything you need to stay informed and prepared as we work toward handing you the keys to your new home.
Damoris and the team are with you every step of the way. Let's get you to the closing table.
Contract to Close Roadmap
Questions? Click here to schedule an appointment with your Loan Officer
Your detailed guide from accepted offer to receiving the keys to your new home.

You Are Here → Step 2 – Processing & File Setup
1
Offer Accepted / Under Contract
Congratulations. Your offer has been accepted and the home is now officially under contract. The closing process begins.
2
Processing & File Setup
Your loan file moves to processing, where documentation is organized, information is verified, and the file is prepared for underwriting review.
3
Initial Loan Disclosures
Your loan disclosures are prepared and sent for electronic signature, outlining your loan terms, estimated costs, and important legal disclosures.
4
Appraisal & Title Work Ordered
We order the property appraisal and initiate the title search to confirm ownership history and ensure a clear transfer of the property to you.
5
Underwriting Review
Your file undergoes a thorough review by underwriting to confirm that the loan meets all lending guidelines and program requirements.
6
Conditional Approval
Underwriting issues a conditional approval. This means your loan is approved pending a few final documents or updates.
7
Clear Conditions
We collect and submit any remaining documents requested by underwriting to satisfy all outstanding approval conditions.
8
Clear to Close
Your loan receives final approval! Closing documents are prepared and scheduled with the closing attorney or title company.
9
Closing Day
You sign your final documents, the loan funds, and ownership of your new home is officially transferred to you. Welcome home!

What to Expect During This Stage
Our team will guide you through each step, keeping you informed as your loan moves from contract to closing.
You will receive updates whenever your loan progresses to the next milestone.
This roadmap simplifies the journey, guiding you through each critical step to ensure a confident and celebrated closing day.
Your Homebuying Dream Team
Your Realtor®
Yma Alusma
📱678-386-8789
Your Loan Officer
Damoris Williams
📱470-526-4988.​

Your Loan Processor
Meshia McFadden
📱336-290-133
Your Loan Officer Assistant
Ann Buna
📱470-470-5060
Your Loan Closing Attorney
Kham Law, LLC
☎678-999-4252
Homeowners Insurance: Trusted Partners
As you approach closing, securing homeowners insurance is a crucial step to protect your new home. This policy safeguards your property and provides financial security against unforeseen events.
We've partnered with trusted agents who can offer complimentary quotes and guide you through the process:

⚠️ Start This Process Now — It is imperative that your Homeowners Insurance (HOI) is secured well before closing. Do not wait, lenders require proof of insurance during the underwriting process.
Nicole Owens
Savannah Insurance Advisors
PO Box 7148
Savannah GA 31418
Off: 912-925-6916
Cell: 912-665-5185
Trusted Choice Agency
Keiona Stewart
Allstate
3836 Lawrenceville Highway
Tucker, GA 30084
Off: 770-322-6682
Exclusive Agent/Personal Financial Representative
JoAnn Lane
Turbo Insurance Group
Insurance Agent
CA Lic 6603998
p: (602) 610-7954
e: jlane@turboinsurance.com

You are in no way obligated to use any of these agents. These are simply trusted partners who offer complimentary quotes as a courtesy to you. If you like what they offer, great — go with them! If not, please feel free to shop for a homeowners insurance company of your own preference. You can contact them directly for a quote, or if you prefer, your loan officer, Damoris, can reach out on your behalf. Please let them know Damoris is your loan officer so they can send the quote and request any additional information needed.
Your Lender & Communication
Now that you are under contract, additional members of your lending team will begin working on your loan behind the scenes.
As a mortgage broker, I partner with a lender who will underwrite your loan. You may receive emails from this lender and from my processing team. These emails are important and may look different from my usual communication, so please be sure to check your inbox regularly.
Watch for Important Emails
You will begin receiving time-sensitive emails related to your loan. These may include document requests, disclosures, and important updates. Please review and respond as soon as possible to help keep your loan moving forward without delays.
Your Lender (Underwriting & Loan Documents)
This is the lender that will review and underwrite your loan and assist with preparing your loan documents. You may receive emails from this lender requesting documents, sending disclosures, or providing updates. These emails are part of your loan process and may come from a different email address than mine.
Please check your inbox (and spam folder) for emails from:
  • TLS | The Loan Store
  • noreply-MortgageTech@ice.com will be the email address you will see so make sure to check your spam
Your Loan Processing Team
Your processor works closely with me to organize your file, request documents, and move your loan through underwriting. You may receive emails requesting additional documents or clarification. Prompt responses help keep your loan moving on schedule.
You may hear from:
  • Meshia McFadden
Important Tip
If you ever receive an email and are unsure if it is related to your loan, feel free to reach out to me directly before responding. I am always here to guide you.
Your Borrower Portal: Stay on Track
Your dedicated Borrower NEXA Application Portal is your hub for a smooth loan process. Here, you can securely upload required documents, and review important updates.
Stay informed and ensure no task goes overlooked. Click the link below to check for any outstanding items and keep your journey to homeownership on schedule.
The Appraisal Process: Understanding Its Importance
The appraisal is a critical step in your home purchase journey. This independent evaluation determines if the property is worth what you've agreed to pay.
For you, the appraisal serves two purposes:
  1. Valuation: Ensures the home is worth at least the purchase price
  1. Condition assessment: Verifies the property meets FHA's minimum property standards for safety and habitability

What to Expect:
  • The appraiser will visit the property
  • They'll take measurements and photos
  • They'll compare to similar recently sold homes
  • The report typically takes 5-7 business days
  • Your lender will share the results with you
The appraisal contingency date is 6/15/2026. If the property appraises below the purchase price, you have options to negotiate, cover the difference, or potentially exit the contract.
This will be an upfront out of pocket expense that will be due upon order. You will be sent a payment link by Meshia. The cost ranges between $650-$800+
Upfront Cost
Paid at time of order
Payment Link
Sent by Meshia
Amount Range
$650–$800+ estimated
Out-of-Pocket
Customer covers initial fee
Important Dates & Deadlines
Staying on track with these key dates is crucial for a smooth and timely closing. Mark your calendars!
May 25, 2026
Contract Date
The purchase contract is signed, officially beginning the transaction.
May 27, 2026
Binding Agreement Date
The contract becomes binding for all parties.
June 3, 2026
Due Diligence Ends
Deadline for all property inspections and repair negotiations with the seller.
June 11, 2026
Financing Contingency Date
Financing contingency deadline — loan approval must be secured.
June 11, 2026
Schedule Final Walkthrough
Final walkthrough of the property should be scheduled.
June 15, 2026
Closing Day! 🎉
Sign final documents, loan funds, and keys are received. Possession on closing.
We'll send reminders as these dates approach to ensure you're always prepared.
What to Expect: Your Contract-to-Close Journey
Damoris and your team are with you every step of the way — from signed contract to closing day. Here's a simplified look at how the process unfolds.
Most loans move from contract to closing in 30–45 days. Damoris makes sure you're never left wondering what comes next.
Critical: What NOT to Do Under Contract
To avoid delays or loan denial, please avoid these actions during the contract period:
Employment Changes
Don't change jobs, quit your job, or alter your employment status
New Credit
Don't open new credit accounts or apply for any loans
Large Purchases
Avoid buying cars, furniture, appliances, or making other major purchases
Financial Changes
Don't transfer large amounts between accounts or let balances fall below closing funds
Additional Important Reminders
Stay Current on Payments
Continue making all current loan and credit card payments on time
Respond Promptly
Don't ignore document requests from your loan team - respond quickly
Avoid Co-signing
Don't co-sign loans for anyone during this period
Ask First
When in doubt, always ask your loan officer before making any financial decisions

All approvals are subject to underwriting guidelines. This is not a commitment to make a loan. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice.

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