Welcome to Your Contract-to-Close Dashboard

CALHOUN 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.

1

Offer Accepted / Under Contract

Congratulations. Your offer has been accepted and the home is now officially under contract. The closing process begins.

2

Initial Loan Disclosures

Your loan disclosures are prepared and sent for electronic signature, outlining your loan terms, estimated costs, and important legal disclosures.

3

Processing & File Setup

Your loan file moves to processing, where documentation is organized, information is verified, and the file is prepared for underwriting review.

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!

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®

Yamilsa Roebuck
📱678-485-1121

yamilsa.roebuck@gmail.com

Your Loan Officer

Damoris Williams
📱470-526-4988.​

damoriswilliams@nexamortgage.com


Your Loan Processor

Meshia McFadden
📱336-290-133

tmmcfadden@securedmp.com

Your Transaction Coordinator

Shonica Swain
📱470-781-2181

contracts@cinchts.com

Your Loan Officer Assistant

Ann Buna
📱470-470-5060

abuna@nexalending.com

Your Loan Closing Attorney

Jeanna Crayton
☎(404) 710-0779

close@cookandjames.com

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:

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

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:

  • UWM | United Wholesale Mortgage

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.

Access Your Portal Here

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

The appraisal contingency date is 6/12/2026. If the property appraises below the purchase price, you have options to negotiate, cover the difference, or potentially exit the contract. FHA appraisal contingency goes through the contract closing date.*

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 12, 2026

Contract Date
The purchase contract is signed, officially beginning the transaction.

May 13, 2026

Binding Agreement Date
The contract becomes binding for all parties.

May 18, 2026

Due Diligence Ends
Deadline for all property inspections and repair negotiations with the seller.

May 28, 2026

Financing Contingency Date
Financing contingency deadline — loan approval must be secured.

June 9, 2026

Schedule Final Walkthrough
Final walkthrough of the property should be scheduled.

June 12, 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