He just showed up for me this morning. I only paid for the down payment for the house and paid off the loan. Didn't expand yet. However, I did get 100% approval at the same time Tortimer showed up. I thought that was the trigger.I've added everyone currently in the spreadsheet, man that took awhile. Tortimer didn't show up for me until I paid of my second mortgage, I don't know if that is what triggers it though.