Week 2 Escrow Update Savella Buyer File
95-145 Wailawa Place, Mililani, HI 96789 · Report Date: April 4, 2026 · Prepared by Team Taparra
Week 2 of Escrow
Day 9 of 40
22% Complete
Aloha, Matthew & Hedwyne!
What a week! Your home inspection credit request was submitted, the seller responded with a counter-proposal, your loan was officially submitted to underwriting, and two more disclosure milestones were signed off. There's a lot of positive momentum here, and we're working through every detail to make sure you're in the best position possible heading into next week.
This report covers everything that happened from March 31 through April 4, what's coming up in the next seven days, and where you stand right now on every open item. As always, your team is just a text or call away if you have questions about anything you see here.
📅 Accepted
March 26, 2026
📍 Today
April 4, 2026 — Day 9
🏡 Closing
May 5, 2026 — Day 40
⚡ Progress
22% Complete
🏆 Team Taparra — Serviced at the HIGHEST Level Brokered by eXp Realty. Questions? Reply to this email or reach out on your group text anytime.
Closing Progress
You're 22% of the way to closing day — Day 9 of a 40-day escrow. There's strong forward momentum with milestones completed right on schedule. Here's a visual snapshot of where you stand on your journey to homeownership.
9
Days Elapsed
Since offer acceptance on March 26
31
Days Remaining
Until your scheduled closing date
11
Milestones Done
Out of 35 total transaction milestones
22%
Complete
Strong start — right on track
This Week's Activity Log
Here's a detailed breakdown of everything your team completed this week, day by day. Every item below represents real progress toward your closing.
Completed
Monday, March 31
✅ Earnest Money Deposit Confirmed — $5,000
Your earnest money deposit of $5,000 was confirmed received by Old Republic Title & Escrow. Deposited via Zoccam (mobile deposit), escrow file number confirmed, and deposit receipt forwarded to your lender. This is a major early milestone — your file is officially open and funded.
✅ Inspection Credit Request Finalized — $15,000
Based on findings from the home inspection, a site visit with the seller, and an independent drainage assessment, your credit request was finalized at $15,000. This was carefully calculated to reflect the true scope of work identified and to put you in the strongest negotiating position.
📘 What is an Earnest Money Deposit? Your earnest money deposit (also called "good faith money") is a deposit that shows the seller you're serious about purchasing their home. It's held by the escrow company and is applied toward your closing costs at the end of the transaction. It is not an extra fee — it's simply part of your purchase price paid early.
Completed
Tuesday, April 1
✅ Inspection Credit Request Signed by Both Buyers
Both Hedwyne and Matthew signed the formal inspection credit request via DocuSign. This officially authorized the team to submit your position to the listing side. Quick turnaround — signed and ready to go within 24 hours of finalization.
Completed
Wednesday, April 2
✅ Inspection Credit Request Submitted to Listing Team
Your formal credit request was officially delivered to the listing team. The negotiation clock is now running, with your inspection contingency deadline set for April 7.
✅ Seller Disclosure Approval Signed & Sent
Your seller disclosure approval was signed and sent to the listing team. Justin and the team reviewed the disclosure documents prior to approval — no red flags or concerns were identified beyond items already discussed with you. This disclosure milestone is now complete.
✅ Solar / PV Document Approval Signed & Sent
The solar and photovoltaic system disclosure was reviewed and approved. Signed and delivered to the listing team. This covers the existing PV system on the property and confirms you've reviewed all related disclosures.
✅ Loan Submitted to Underwriting
Your lender, Aloha Lending Services, officially submitted your loan file to underwriting on April 2. A loan decision and conditions list is expected by Wednesday or Thursday, April 8–9. This is excellent progress — underwriting is one of the most important milestones in the entire transaction.
📘 What is the Seller's Real Property Disclosure Statement? Hawaii law requires sellers to disclose known facts about the property's condition. This document covers everything from structural history and renovations to drainage, plumbing, roofing, and any known defects. Signing the approval means you've reviewed it and are satisfied with what was disclosed. Your right to cancel based on this document has now passed.
Completed
Friday, April 4 — Seller's Counter-Proposal Received
The seller responded to your $32,550 credit request with a counter-proposal, and after reviewing it with Justin, the buyers agreed to the seller's terms. A revised credit/repair request was then built, signed by both buyers, and submitted to the listing team the same day.
Foundation Slab Sealing
A licensed professional will complete the foundation slab sealing out of pocket. Seller already has a foundation company scheduled for Monday to get an estimate. An invoice and warranty will be provided before the final walkthrough.
Full AC Replacement — Living Room
Seller has already paid for a full replacement of both the indoor and outdoor units. Installation is scheduled for next week, and the invoice will be provided before the final walkthrough.
Primary Bedroom AC Serviced
The primary bedroom air conditioning unit has already been professionally serviced by the seller at their cost. Invoice will be provided before the final walkthrough.
$15,000 Closing Cost Credit
In addition to the repairs, the seller is providing a $15,000 credit toward closing costs as part of the agreement.
Justin sent you a detailed email breaking all of this down, and he will be walking through it with you directly. The seller is committed to moving forward — this response reflects a motivated seller who wants this transaction to close.
📘 What is the Inspection Contingency? After the home inspection, you have the right to request credits or repairs from the seller based on what the inspector found. This is a negotiation process, and it's completely normal for the seller to come back with a counter-proposal. Your inspection contingency period runs through April 7, which means any agreement needs to be finalized before that date. Once both sides agree, we'll put the terms in a formal amendment to the purchase contract.
Lender Aloha Lending Services has been notified that inspection negotiations are wrapping up, and the appraisal has been approved to move forward. Your credit card was already on file with the lender, so the appraisal should be ordered shortly.
Transaction Status Snapshot
A quick-reference overview of every open item in your file. Here's where everything stands right now as of April 4, 2026.
What's Coming Up The Next 7 Days
Here's what your team is focused on for the week ahead. One hard deadline stands out — the rest are important milestones we're actively tracking and coordinating on your behalf.
Hard Deadline
Monday, April 7 — Inspection Contingency Deadline
This is the most important date of the next seven days. The credit agreement has already been reached — $15,000 credit plus 3 seller repairs. Now it’s about formalizing that agreement, getting the amendment signed, and removing the inspection contingency.
1
Watch for the Amendment
Watch for the formal amendment to the purchase contract via DocuSign, which will confirm the $15,000 credit and the seller's repair commitments. Sign promptly when it arrives.
2
Sign a Formal Amendment
The agreed-upon terms get memorialized in a written amendment to your purchase contract, signed by all parties.
3
Remove the Contingency
Once the amendment is signed, the inspection contingency is formally removed and the transaction moves forward.
Upcoming
Wednesday–Thursday, April 8–9 — Loan Decision Expected
Your lender expects to issue a loan decision and conditions list by April 8 or 9. Once received, you'll know exactly what documents or items are needed to finalize your loan. Your lender has advised holding off on insurance shopping and any debt payoff decisions until these conditions are in hand — this is important guidance to follow.
Upcoming
After Inspection Contingency — Additional Earnest Money ($5,000)
Per your purchase contract, a second earnest money deposit of $5,000 is due within 2 business days after the inspection period concludes. The exact date depends on when negotiations wrap up — your team will give you advance notice as soon as the timeline is confirmed.
Upcoming
After Inspection Contingency — Appraisal Ordered
The appraisal has already been approved to move forward, and the lender has been notified. Since your credit card is already on file, the appraisal should be ordered shortly.
Upcoming
Friday, April 10 — Survey / Staking Deadline
The seller is responsible for having the property surveyed and staked per your purchase contract. This confirms the exact legal boundaries of your lot. You do not need to be present — this is entirely handled on the seller's side.
Upcoming
Next Week — Escrow Opening Packet from Old Republic Title
You'll be receiving an escrow opening packet that needs to be completed and returned. This typically includes personal information forms, identity verification, and preliminary settlement details. Your team will walk you through everything when it arrives.
📘 What is the Escrow Opening Packet? The escrow opening packet is a set of documents from the escrow company (Old Republic Title) that they need you to complete in order to process the transaction. It usually includes personal information forms, wire transfer instructions, and preliminary settlement details. Think of it as the "intake paperwork" for the closing process. We'll make sure you have everything you need and can answer any questions when it arrives.
🗓️ Your Scheduled Closing Date: May 5, 2026 This date remains tentative until we receive final loan approval from your lender. This is completely normal at this stage of the transaction, and we will keep you updated every step of the way. Your team is actively working to keep everything on track toward May 5.
What Team Taparra Is Working On
Drafting the formal amendment to the purchase contract reflecting the $15,000 credit and the seller's repair commitments
Coordinating with the lender to get the appraisal ordered now that inspection negotiations are resolved
Coordinating with your lender on the underwriting timeline and upcoming conditions list
Tracking the escrow opening packet from Old Republic Title
Monitoring the title report, which we expect from escrow soon
Scheduling the termite inspection with Pest Tech Hawaii once inspection negotiations conclude
Following up with the listing team on the survey and staking timeline
Tracking the seller's foundation repair progress and AC installation
Your Action Items
1
Review the Counter-Proposal Email
Justin sent a detailed breakdown of the seller's response. Read it over and share your thoughts with him — your input is essential before we respond.
2
Watch for the Escrow Opening Packet
Old Republic Title will be sending paperwork soon. Complete and return it promptly when it arrives — your team will be here to help.
3
Hold Off on Insurance & Debt Decisions
Do not shop for homeowner's insurance or make any debt payoff decisions until your lender provides the conditions list, expected April 8–9.
Full Transaction Timeline
12 of 35 Milestones Completed
Your complete journey from acceptance to closing and beyond. Green = completed · Gold = active right now · Gray = ahead on your path. "T" indicates a tentative date not yet confirmed.
Mar 26 — ✅ Offer Accepted & Escrow Opened
Purchase contract executed, escrow opened with Old Republic Title & Escrow.
Mar 26 — ✅ Portal Access & Welcome Email
Transaction portal set up, support team introduced to both buyers.
Mar 26 — ✅ Seller Disclosures Received & Reviewed
Property disclosure documents received and reviewed by the team.
Mar 27 — ✅ Transaction Contacts Created
All key contacts for your transaction compiled and organized.
Mar 28 — ✅ Home Inspection Completed
Full inspection completed by Coastal Home Solutions.
Mar 29 — ✅ Home Inspection Report Received
Full report and summary delivered and forwarded to buyers.
Mar 31 — ✅ Earnest Money Deposit ($5,000)
Deposited and confirmed received by Old Republic Title & Escrow.
Apr 2 — ✅ Seller Disclosure Approval
Signed by buyers and sent to the listing team. No red flags identified.
Apr 2 — ✅ Solar / PV Document Approval
PV system disclosure reviewed and approved by buyers.
Apr 2 — ✅ Credit Request Submitted
Formal $32,550 credit request delivered to the listing team.
Apr 3 — ✅ Inspection Credit Agreement Reached
Seller performing 3 repairs out of pocket plus $15,000 credit toward closing costs. Revised request signed and submitted.
Apr 7 — 🔆 Inspection Contingency Removal (ACTIVE)
Formal amendment and contingency removal in progress.
T — Escrow Opening Packet
Paperwork from Old Republic Title for buyers to complete and return.
T — Additional Earnest Money Deposit ($5,000)
Due within 2 business days after the inspection period concludes.
T — Termite Inspection
Inspector: Sean Chaves, Pest Tech Hawaii. Scheduling after inspection negotiations conclude.
Apr 10 — Survey / Staking Completed
Seller arranges property boundary survey at seller's expense.
T — Survey Report Received
Boundary survey results reviewed for any encroachments or issues.
T — Title Report Received
Preliminary title report from escrow delivered for your review.
T — Title Report Approved
7-day review period after receipt. Your team will guide you through this.
T — Lock Interest Rate
Lender will advise on the optimal timing within the 30-day lock window.
T — Appraisal Ordered
Will be ordered immediately after the inspection contingency is resolved.
T — Appraisal Report Received
Appraiser evaluates the property's market value for the lender.
T — Termite Inspection Report Received
Due by April 20 per contract terms.
Apr 23 — Conditional Loan Approval
Lender issues conditional approval after reviewing all submitted documents.
T — Final Walkthrough
Walk the property one last time before closing to confirm condition and agreed repairs.
Apr 29 — Seller Removes Personal Belongings
Per contract, seller vacates 6 days before closing.
Apr 29 — Cleaning Credit Confirmed ($700)
Credit applied toward closing costs in lieu of professional cleaning.
T — Final Loan Approval
Lender issues clear to close — the green light for closing day.
T — Final Signing
Sign all closing documents at escrow. The finish line is in sight.
T — Cash to Close
Wire remaining funds to escrow per the final closing disclosure.
May 1 — Utility Setup
Contact HECO, Board of Water Supply, Spectrum, and Hawaii Gas to set up accounts.
May 1 — Key Arrangements
Coordinate key handoff logistics for closing day.
May 2 — Confirm Utilities Set Up
Verify all utility accounts are active in your name before closing.
May 5 — 🏡 CLOSING DAY
This is the day the home becomes yours. Congratulations, Savella family!
After Closing — Property Tax Exemption Filed
One-time filing to reduce your annual property tax as owner-occupants.
After Closing — Your Documents on Google Drive
All transaction documents saved and organized for your permanent records.
Your Transaction Team
Every person on this list is working on your behalf. Don't hesitate to reach out — we're here for every question, big or small.
Justin K. Taparra
Your Agent Team Taparra 📞 808-349-6499
Sam Palompo
Agent Success Team Taparra ✉️ agent.care@teamtaparra.com
Julie Deguair
Escrow Officer Old Republic Title 📞 808-693-7250
Shannon Taparra
Lender Aloha Lending Services 📞 808-342-0554
Team Taparra
Serviced at the HIGHEST Level · Brokered by eXp Realty
Questions? Reply to this email or reach out on your group text anytime. We're with you every step of the way, Hedwyne & Matthew. 🌺