Commitment uploaded · Analyzed June 20, 2026
9 issues · 3 require immediate action
Open deed of trust — Suncoast Federal Credit Union ($312,500)
Obtain payoff statement good through closing. Coordinate wire and record satisfaction of mortgage at or before closing. Confirm per diem rate and any prepayment penalty.
Claim of lien — Gulf Coast Renovations LLC ($28,750)
Obtain lienor's waiver and release of lien, or pay lien amount at closing and confirm lienor will record a satisfaction. Verify lien is timely filed within 90 days of last furnishing.
HOA assessment lien — Palmetto Bay Homeowners Association
Request estoppel certificate from HOA. Confirm outstanding assessments, any acceleration of future dues, and whether lien has been recorded. Pay all amounts at closing.
Survey requirement — Schedule B-I Item 3
Obtain current survey or submit existing survey for review. If waiving, obtain underwriter approval. Confirm no encroachments or easements added since last survey.
LLC vesting — Palmetto Drive Holdings LLC (seller)
Obtain operating agreement confirming manager authority, current certificate of good standing from Florida Division of Corporations, and manager resolution authorizing this sale.
Homestead — potential homestead property
Confirm whether property is seller's homestead. If yes, both spouses must execute deed regardless of how title is vested. Obtain joinder and consent of non-titled spouse if applicable.
Prior mortgage — satisfaction not of record (2018 Wells Fargo)
Contact Wells Fargo to confirm satisfaction was recorded. If not, obtain duplicate satisfaction or affidavit of lost satisfaction with underwriter approval.
Gap period — commitment effective date 14 days ago
Re-date commitment or obtain gap indemnity from seller prior to closing.
Name variation — seller vested as "Palmetto Drive Holdings, LLC" (with comma) vs. "Palmetto Drive Holdings LLC" (without) in operating agreement.
Obtain name affidavit from manager confirming both refer to the same entity. Confirm correct legal name with Division of Corporations.
Phone: (941) 555-0143 · payoffs@suncoastfcu.org
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Phone: (941) 555-0287 · accounting@gulfcoastreno.com
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Phone: (941) 555-0312 · estoppels@suncoastpm.com
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Phone: (941) 861-7400 · recording@sarasotaclerk.com
2000 Main St, Sarasota FL 34237
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Sign up to start →Sample draft email — P1 Issue 1
Subject: [Action Required] — Payoff Request | 142 Palmetto Drive, Sarasota FL 34236 | File #2026-SAR-0142 To: Payoff Department — Suncoast Federal Credit Union Please provide a full payoff statement for the Deed of Trust recorded in OR Book 5821, Page 1432, Sarasota County, Florida, in the original principal amount of $312,500.00, encumbering the property at 142 Palmetto Drive, Sarasota FL 34236 (Parcel ID: 0082-14-0003). We require the payoff good through [closing date], including per diem interest, recording fees for the satisfaction, and any prepayment penalty. Please confirm wire instructions and the correct payoff mailing address. [YOUR NAME] [COMPANY NAME] [PHONE] [EMAIL] curativeassist.com
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