UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G
ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:

☐      Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to _______.

Date of Report (Date of earliest event reported): _____________
Commission File Number of securitizer: _____________
Central Index Key Number of securitizer: _____________

 

 

Name and telephone number, including area code, of the person to contact in connection with this filing.

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒      Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0000807641

GS Mortgage-Backed Securities Trust 2021-GR2

(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity:

 

Manju Madhavan, (212) 902-5268

Name and telephone number, including area code, of the person to
contact in connection with this filing.

 

 

INFORMATION TO BE INCLUDED IN THE REPORT

Item 2.01.Findings and Conclusions of a Third Party Due Diligence Report Obtained By the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: August 5, 2021

GS Mortgage Securities Corp.
(Depositor)

By:

/s/ Manju Madhavan
Name: Manju Madhavan
Title: President

 

 

 

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EXHIBIT INDEX

Exhibit Number

99.1       Disclosures required by Rule 15Ga-2 for Evolve Mortgage Services

 

Schedule 1 - Executive Summary

Schedule 2 - Rating Agency Report

Schedule 3 - Exception Detail Report

Schedule 4 - Valuation Report

Schedule 5 - QM ATR Data Report

Schedule 6 - Data Compare Report

Schedule 7 - ASF Report

Schedule 8 - ASF Additional Data Report

 

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GS Mortgage-Backed Securities Trust 2021-GR2 ABS-15G

Exhibit 99.1 - Schedule 1

 

 

 

 

 

 

 

 

 

 

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Executive Summary

GSMBS 2021-GR2

Dated: August 4, 2021

 

 

 

 

 

6136 Frisco Square Blvd. | Suite 350 | Frisco, TX 75034

 

P: 888.892.1843 | evolvemortgageservices.com

 

 

 

 

 
 

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EXECUTIVE SUMMARY

 

Overview

Evolve Mortgage Services (“Evolve”) performed certain due diligence services (the “Review”) described below on 435 loans backed by residential properties (the “Loans”) originated by Guaranteed Rate, Inc. and Guaranteed Rate Affinity LLC. The Review was conducted between the dates of June 2021 – July 2021 via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

 

Sample size of the assets reviewed.

The initial 438 sample was derived using a randomly selected 25% of the original population of 1,746. The final population of the review covered 435 residential loans as 3 loans were dropped from the transaction.

 

Determination of the sample size and computation.

The Review was conducted consistent with the criteria for Moody’s Investors Service, Inc. and Kroll Bond Rating Agency, LLC, the NRSROs identified in Item 3 of the ABS Due Diligence-15E.

 

Quality or integrity of information or data about the assets: review and methodology.

Evolve compared data provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

 

Amortization Type Maturity Date Property City
Appraised Value Note Date Property State
Doc Type Occupancy Property Street Address
DSCR Original CLTV Property Type
First Payment Date Original Interest Rate Property Zip
Index Type Original Loan Amount QM Status
Interest Only Original LTV Borrower Fico
Lien Position Original P&I Qualifying DTI
Loan Purpose Original Term Sales Price
Margin Prepayment Penalty Self-Employment Flag

 

Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

 

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Credit Scope

 

Credit Application: For the Credit Application, Evolve verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower’s employment history.

 

Credit Report: Evolve’s review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower’s credit profile adhered to the guidelines. In order to make this determination, Evolve: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

 

Employment and Income: Evolve determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

 

Asset Review: Evolve assessed whether the asset documentation required by the guidelines and, as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, Evolve completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit (“VOD(s)”), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

 

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by Evolve. During the course of this review, Evolve (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender’s name and “its successors and assigns,”, (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a “Life of Loan” certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

 

DU/LP Review: When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

 

Occupancy Review: Evolve confirmed the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

 

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Guideline Review: During the course of the review, Evolve confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

 

Fraud Review: Evolve reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan.

 

If a report was present, Evolve reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower’s address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower’s profile. If any findings were noted, Evolve confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

 

Title Review: Evolve’s review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

 

Additional Review of Mortgage Loan File: Evolve also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

 

Additionally, Evolve verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio (“DTI(s)”) and/or loan-to-value ratios (“LTV(s)”) were used in the assessment of conformity guidelines.

 

Regulatory Compliance Review

 

Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination, as applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association (“SFA”) published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

 

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Valuation Scope

 

Evolve’s review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve’s review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an “as is” basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities. 

 

With regard to the use of comparable properties, Evolve’s review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

 

Third Party Valuation Review

 

Loans with a CU Score in excess of 2.5 or where a CU Score is not available, require a third-party valuation report (such as a Desk Review) unless there are two appraisals in file. The third-party valuation report is reviewed for accuracy (address, property type, characteristics etc.) and the review value should be within 10% of the appraised value to allow the appraised value to be used to determine LTV/CLTV. In the event that the review value does not support the appraisal value, the Client may provide an additional review value (such as an Exterior Appraisal 2055 in order to support the value.

 

Loans with a Property Inspection Waiver (“PIW”) require a third-party valuation product such as an Exterior Appraisal 2055 to support the stated value within 10%.

 

Evolve reviewed the values provided and grade the loan in accordance with the Rating Agency criteria.

 

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SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW

 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in the Form ABS Due Diligence-15E.

 

Compliance Results Summary

NRSRO Grade (Moody’s and KBRA) # Loans % of Loans %
Compliance
Reviewed
Loans
A 427 98.16% 98.16%
B 8 1.84% 1.84%
Total 435 100.00% 100.00%

 

Credit Results Summary

NRSRO Grade (Moody’s and KBRA) # Loans % of Loans
A 433 99.54%
B 2 0.46%
Total 435 100.00%

 

Property Valuation Results Summary

NRSRO Grade (Moody’s and KBRA) # Loans % of Loans
A 434 99.77%
B 1 0.23%
Total 435 100.00%

 

Overall Results Summary

NRSRO Grade (Moody’s and KBRA) # Loans % of Loans
A 424 97.47%
B 11 2.53%
Total 435 100.00%

 

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Data Results Summary

Field Label # Loans with
Discrepancy
Total Times
Compared
% Variance
Borrower Fico 434                  435 99.77%
City 1                  435 0.23%
Investor: Qualifying Total Debt Ratio 140                  435 32.18%
Loan Purpose 1                  435 0.23%
Note Date 5                  435 1.15%
PITI 433                  435 99.54%
Property Type 111                  435 25.52%
QM_Status 432                  435 99.31%
Self Employment Flag 432                  435 99.31%

 

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APPENDIX A

 

Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

 

Please be advised that Evolve did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Evolve are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Evolve is relying in reaching such findings.

 

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loan’s collateral that has been reviewed by Evolve.

 

Evolve reviewed each mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

 

FOR APPLICATION DATES BEFORE JANUARY 10, 2014

(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

 

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  a) Rescission (§1026.23):
  i) failure to provide the right of rescission notice;
  ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);
  iii) errors in the right of rescission notice;
  iv) failure to provide the correct form of right of rescission notice;
  v) failure to provide the three (3) business day rescission period; and
vi)any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;
b)TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

  i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);
  ii) proper execution by all required parties;
  iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and
  iv) timing of initial and re-disclosed TIL(s);
  c) Tolerances (§§1026.18, 22 and 23):
  i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and
  ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge;
  d) High-cost Mortgage (§§1026.31, 32 and 33):
  i) points and fees threshold test;
  ii) APR threshold test;
  iii) prepayment penalty test; and
  iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage;
  e) Higher-priced Mortgage Loan (§1026.35):
  i) APR threshold test; and
  ii) compliance with the escrow account and appraisal requirements;

 

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

  a) Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
  i) confirm the presence of the current GFE form in effect at the time of origination;
  ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

 

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  iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;
  iv) determine whether a valid and properly documented changed circumstance accompanies any changes to loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and
  v) confirm the presence of a settlement service provider list, as applicable.
  b) Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:
  i) confirm current applicable HUD form was provided;
  ii) determination that the loan file contains the final HUD;
  iii) escrow deposit on the final HUD matches the initial escrow statement amount; and
  iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.
  c) GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:
  i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;
  ii) confirm loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and loan documents; and
  iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.
  d) Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
  i) confirm the presence of the Servicing Disclosure Statement form in the loan file;
  ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;
  iii) confirm the presence of the Special Information Booklet in the loan file or that the loan file contains documentary evidence that the disclosure was provided to the borrower;
  iv) confirm the Special Information Booklet was provided within three (3) business days of application;
  v) confirm the presence of the Affiliated Business Arrangement Disclosure in the loan file in the event the lender has affiliated business arrangements;
  vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;
  vii) confirm the Affiliated Business Arrangement Disclosure is executed; and
  viii) confirm the presence of the Initial Escrow Disclosure Statement in the loan file and proper timing.

 

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(III) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

 

(IV) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” loans, “covered” loans, “higher-priced” loans, “home” loans or any other similarly designated loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

 

(V) Federal and state specific late charge and prepayment penalty provisions;

 

(VI) Document Review

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, for the Review scope in question at the time of review, were included in the file and if the data on these documents was consistent:

  Initial application (1003);
  Final application (1003);
  Note;
  Appraisal;
  Sales contract;
  Title/Preliminary Title;
  Initial TIL;
  Final TIL;
  Final HUD-1;
  Initial and final GFE’s;
  Right of Rescission Disclosure;
  Mortgage/Deed of Trust;
  Mortgage Insurance;
  Tangible Net Benefit Disclosure;
  FACTA disclosures; and
  Certain other disclosures related to the enumerated tests set forth herein.

 

FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014

For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 section above plus:

 

(VII) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026 testing included:

  a) With respect to brokered loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

 

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  i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;
  ii) review relevant document to determine if there was dual compensation; and
  iii) review the presence of the loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.
  (1) Note: Where available, Evolve reviewed the relevant documents in the loan file and, as necessary, attempted to obtain the loan originator compensation agreement and/or governing policies and procedures of the loan originator. In the absence of the loan originator compensation agreement and/or governing policies and procedures, Evolve’s review was limited to formal general statements of entity compliance provided by the loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

  b) Homeownership counseling (§1026.36):
i)determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first time homebuyer that contains a negative amortization feature;

c)Mandatory Arbitration Clauses (§1026.36):

  i) determine if the terms of the loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction;
  d) Prohibition on Financing Credit Insurance (§1026.36):
  i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance; and
  e) Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):
  i) review for presence of loan originator organization and individual loan originator name and NMLSR ID, as applicable, on the credit application, note or loan contract, security instrument, Loan Estimate and Closing Disclosure; and
  ii) verify the data against the NMLSR database, as available.

 

(VIII) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

  a) Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):
  i) confirm that the creditor provided the borrower a list of homeownership counseling organizations within three (3) business days of application; and
  ii) confirm that the list of homeownership counseling organizations was obtained no earlier than 30 days prior to when the list was provided to the loan applicant.

 

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(IX) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

  a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));
  b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));
  c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and
  d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

 

Evolve reviews applicable loans for compliance with the ATR and QM rule requirements based upon each loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Evolve determines the loan’s status under the ATR or QM rule requirements and assigns a due diligence loan designation. Generally, Evolve notes as a material exception if the due diligence findings do not confirm the originator’s loan designation. Additionally, Evolve notes if an originator loan designation was not provided.

 

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated loans, Evolve reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

 

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Evolve reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

 

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

 

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The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

 

For each QM designated loan that does not satisfy the applicable requirements enumerated above, Evolve then determines whether the loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

General Ability to Repay

Evolve reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer’s current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer’s employment in determining repayment ability, the consumer’s current employment status; (iii) the consumer’s monthly payment; (iv) the consumer’s monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer’s monthly payment for mortgage-related obligations; (vi) the consumer’s current debt obligations, alimony, and child support; (vii) the consumer’s monthly debt-to-income ratio or residual income; and (viii) the consumer’s credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.

 

Note: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

 

Evolve reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities (“Authorities”). Evolve does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Evolve’s review is based on information contained in the loan file at the time it is provided to Evolve to review, and only reflects information as of that point in time.

 

(X) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

  a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):
  i) timing and content of the right to receive copy of appraisal disclosure;
  ii) charging of a fee for a copy of the appraisal or other written valuation;

 

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  iii) timing of creditor providing a copy of each appraisal or other written valuation;
  iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

 

(XI) FIRREA Review

Evolve confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, Evolve reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate. 

 

FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 sections above plus:

 

With regard to TILA-RESPA Integrated Disclosure (“TRID”) testing, Evolve implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the “SFIG Compliance Review Scope”) and (ii) outside counsel’s interpretations of the published regulations as of the date of review of each mortgage loan. Evolve worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau (“CFPB”) which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While Evolve continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. Evolve has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per Evolve’s suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that Evolve has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by Evolve will result in the potential level of risk indicated by an Event Level or NRSRO grade.

 

Please be further advised that Evolve does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Evolve do not constitute legal advice or opinions. They are recommendations or conclusions based on

 

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information provided to Evolve. Information contained in any Evolve report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Evolve to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Evolve are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Evolve does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Evolve.

 

Evolve reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

 

(XII) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

  a) Loan Estimate (LE) (§§1026.19 and 37):
  i) confirm the presence of LE for applications on or after October 3, 2015;
  ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;
  iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;
  iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;
  v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;
  vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;
  vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

 

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  viii) confirm borrower received LE not later than four (4) business days prior to consummation; and
  ix) confirm LE was not provided to the borrower on or after the date of the CD.
  b) Closing Disclosure (CD) (§§1026.19 and 38):
  i) confirm the presence of CD for applications on or after October 3, 2015;
  ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;
  iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;
  iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;
  v) identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;
  vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and
  vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group (“SFIG”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)
  c) Your Home Loan Toolkit (§1026.19):
  i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and
  ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

 

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(XIII) Document Review

Evolve reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

  Loan Estimates;
  Closing Disclosures; and
  Certain other disclosures related to the enumerated tests set forth herein.

 

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GS Mortgage-Backed Securities Trust 2021-GR2 ABS-15G

Exhibit 99.1 - Schedule 2

 

 

 

Rating Agency Grades

Run Date - 08/02/2021 3:40:44 PM

LOAN INFORMATION INITIAL CREDIT LOAN GRADES INITIAL COMPLIANCE LOAN GRADES INITIAL PROPERTY LOAN GRADES INITIAL OVERALL LOAN GRADES FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
Evolve Loan ID Customer Loan ID Seller Loan ID Original Loan Amount DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX B B B B B B B B B B A A A A A B B B B B A A A A A B B B B B A A A A A B B B B B
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX B B B B B A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C B B B B B A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A B B B B B A A A A A B B B B B
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX D D D D D C C C C C C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX B B B B B C C C C C C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
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XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX A A A A A C C C C C C C C C C C C C C C A A A A A B B B B B A A A A A B B B B B
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GS Mortgage-Backed Securities Trust 2021-GR2 ABS-15G

Exhibit 99.1 - Schedule 3

 

 

Exception Detail

Run Date - 08/02/2021 3:40:44 PM

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance AUS AUS - Other: 1008 is missing project classification needed for data delivery purposes. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW - Title Commitment is missing or requires correction. an updated title report to reflect the full address XXXXX (missing unit #) Endorsement updating address received. Client 07/16/2021 11:40 AM; title endorsemetn with unit number added was provided, please clear.

 Reviewer 07/20/2021 10:37 AM; condition cleared.
07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID LE- Other Please provide an initial 4/29 LE that shows section E and F fees. Information Provided Reviewer 07/15/2021 09:59 AM; Fees on the 4/29 LE provided are still cut off. Condition remains open.
07/16/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Deed of Trust/Mortgage Deed of Trust/Mortgage - is missing. Final signed copy of DoT/Mortgage not in bundle. Please upload for review. Thank you. Provided.  Reviewer 07/20/2021 09:47 AM; Documentation provided not signed. Provide fully executed DOT/Mortgage.
07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Debt clarification - Provide explanation for ommission of debt from AUS DU approval shows XXXXX/XXXXX loan ending xx9718 was omitted and no documentation provided showing reason for omission Updated AUS provided with debt included in DTI 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. Information Provided 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID- Fee Tolerance Violation Tolerance exceeded by $1100.45 due to the increase in appraisal and various title fees, the CD cured $601, still need the remaining $499.45 along with proof of refund, LOX and PCCD reflecting the full cure Provided.  07/21/2021 B 2 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Income Other P&L 2021 missing borrower's signature received 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Application Application - Completed, signed, final application for all applicant not in file Application is incomplete. Missing occupation and business phone number. Also missing years employed in line of profession. Ages of dependents is missing. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only-No action required by Correspondent). CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Calculation Discrepancy rental income Missing mortgage statement/final closing disclosure for XXXXXX and lease agreement to support rental income Documentation provided. Client 07/16/2021 11:44 AM; final CD for XXXXX. was provided Also I have attached appraisal report for the same property as rental income was verified by market rent provided in appraisal report.

 Reviewer 07/19/2021 02:31 PM; Closing disclosure received. Lease not provided

 Client 07/20/2021 12:06 PM; Appraisal uploaded 7/16 shows rental schedule, please clear, this should suffice in lieu of lease agreement.

 Reviewer 07/20/2021 12:49 PM; Documentation provided.

 Reviewer 07/20/2021 12:49 PM; Documentation provided.
07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. UW Collateral TPR UW - Second collateral evaluation is required. COMMENT: No CU Score: UW - Second collateral evaluation is required. COMMENT: No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Income - AUS Validation Calculated and verified income of $7078.40 is below income used of $8327.39 per the LP Findings Documentation provided. Client 07/21/2021 05:27 PM; Can you please provide a breakdown of how you arrived at your income calculation?

 Reviewer 07/22/2021 12:15 PM; Income recalculated to base using 2 yr. avg. + ytd of $6233.82, OT $224.69 and bonus $975.77.
07/23/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Employment - Inconsistent/Misrepresent Per the Initial 1003, Borrower #1 (XXXXX) works at XXXXX, and there is a WVOE dated 5/12/2021 showing current employment. However, the Final 1003 shows current employment with XXXXXX as of 6/21/2021 start date and employment with XXXXXX ended on 5/25/2021 (after the prior WVOE). A new WVOE on 6/11/2021 for XXXXX with XXXXX shows inactive employment. There is no income in file with the new employment at Adobe. received/income not needed 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Employment gap not properly addressed Per the Initial 1003, Borrower #1 (XXXXX) works at XXXXX, and there is a WVOE dated 5/12/2021 showing current employment. However, the Final 1003 shows current employment with XXXXXX as of 6/21/2021 start date and employment with XXXXXX ended on 5/25/2021 (after the prior WVOE). A new WVOE on 6/11/2021 for XXXXX with XXXXX shows inactive employment. There is no explanation of why the borrower changed jobs to take affect after closing, and no income docs to validate an income level received/income not needed 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Missing/Incomplete VOE Per the Initial 1003, Borrower #1 (XXXXX) works at XXXXX, and there is a WVOE dated 5/12/2021 showing current employment. However, the Final 1003 shows current employment with XXXXXX as of 6/21/2021 start date and employment with XXXXXX ended on 5/25/2021 (after the prior WVOE). A new WVOE on 6/11/2021 for XXXXX with XXXXX shows inactive employment. There is no income in file with the new employment at Adobe. received/income not needed 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Qualifications UW Qualifications - UW - DTI exceeds maximum limit DTI exceeds 3% variance. received Client 07/14/2021 04:36 PM; Please provide your calculations. AUS and 1008 both show XXXXX%/XXXXX% DTI.

 Reviewer 07/20/2021 01:25 PM; Discrepancy cleared.
07/20/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score UW - Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Assets UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing Two months consecutive bank statements required. 02/2021 Safe 1 bank statement is missing. received 07/24/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU score exceeds 2.5 UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID-Missing Final CD Missing Final CD Sign date and closer date. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW - Lease Agreements Lease agreements are missing for the property located at XXXXX supporting rental income of $2,900. rental income of $XXXXX came from the appraisal form 216. This is a purchase transaction Client 07/15/2021 01:46 PM; This loan closed on the same day as the XXXXX purchase of XXXXX. Our loan # for XXXXX is XXXXX. I have attached a copy of the closing disclosure as well as a copy of the appraisal with an operating income statement and rent schedule to support the rent of $XXXXX. Please waive this condition.

 Reviewer 07/20/2021 09:20 AM; Condition waived.
07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. Pending receipt of final CD signed by borrower. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID-Missing Final CD Missing final CD signed by borrower. Information Provided Reviewer 07/15/2021 09:15 AM; CD provided is not for subject property XXXXX.
07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent). CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. Pending receipt of final CD signed by borrower. Information Provided 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID-Missing Final CD Missing final CD signed by borrower. Provided. 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Appraisal Other UW Collateral UW - Appraisal Other COMMENT: Second collateral evaluation is required. COMMENT: CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent.) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. Freddie CU no score; Fannie no score;(Hybrid) Missing CDA report. CDA received. Client 07/11/2021 11:43 PM; This is a Freddie conforming loan, so there is no reason for there to be a CDA report. Collateral Underwriter comments: 05/28/2021-AOT: Investor at time of review: Freddie Mac. Appraisal completed " as-is " with a value of $325,000 Subject is a multifamily four unit style home. Comps and subject are similar in design, utilities, and market appeal. Collectively comps bracketed the subject’s major value contributors. The appraisal provided sufficient analysis and commen

 Reviewer 07/13/2021 07:27 AM; CDA required for securitization review. Evolve has ordered and is awaiting return. No action required by lender.

 Reviewer 07/19/2021 03:23 PM; A CDA is required on every loan if the CU score is missing or greater than 2.5 - this has nothing to do with the EMD.
07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Assets UW Assets - UW - Asset Other Missing a copy of $6,000 earnest money Per URLA no earnest money was included in final figures. condition has been waived. Client 07/11/2021 11:42 PM; Earnest Money was not counted in funds to close. Please clear this condition

 Reviewer 07/13/2021 07:32 AM; Per URLA no earnest money was included in final figures. condition has been waived.
07/13/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU score exceeds 2.5. Missing a third-party valuation report or a second appraisal valuation. CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/11/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Missing CD Signed by borrower I couldn't locate the CD that was signed at closing. Information Provided 07/11/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Application Application - Completed, signed, final application for all applicant not in file Final Application is missing employers phone number and years employed in profession for borrower 2. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance UW Approval UW Approval - Signed underwriting approval not in the file: AUS submission (LP #XXXXX) showing Eligible Accept missing from file. Information Provided 07/14/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/12/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance Hazard Insurance - is missing. Information Provided Reviewer 07/12/2021 11:45 AM; Policy number is missing from document provided.

 Client 07/14/2021 05:22 PM; Policy number is on page 3 of the document uploaded on 7/12.

 Reviewer 07/15/2021 12:10 PM; Hi, 
I'm looking at page 3, but that is the flood insurance application and not the hazard policy. 
Thanks, 
Erica

 Reviewer 07/19/2021 03:22 PM; Information provided and updated.
07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. Information Provided 07/12/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID- Fee Tolerance Violation Tolerance exceeded by $1525.53 due to the addition of discount points, appraisal trip fee and rental schedule, the CD cured $160, still need the remaining $1365.53 along with proof of refund, LOX and PCCD reflecting the cure Information Provided Client 07/12/2021 10:08 AM; The CD that disclosed the $1365.53 discount point has been uploaded. the only cure that was needed was the $160 that was cured at closing. Please clear this condition.

 Reviewer 07/12/2021 11:21 AM; Hello, Docs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, XXXXXX

 Reviewer 07/13/2021 08:25 AM;
07/12/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID Other Revised Closing Disclosure Timing Requirements - 06/02/2021 This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii)) The revised closing disclosure delivery requires a new waiting period due to the APR increasing by more than 1/8 Information Provided Client 07/12/2021 10:09 AM; The CD that disclosed the $1365.53 discount point has been uploaded. the only cure that was needed was the $160 that was cured at closing. Please clear this condition.

 Reviewer 07/12/2021 11:23 AM; Hello, Docs uploaded will be reviewed within 24 hours from time of upload. Please only escalate if docs have not been reviewed within this time frame. Thank you, XXXXX

 Reviewer 07/13/2021 08:26 AM;
07/12/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Application Application - Completed, signed, final application for all applicant not in file Information Provided Reviewer 07/09/2021 10:50 AM; outstanding
07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Missing CD Signed by borrower Missing final signed CD Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. File missing CDA. CDA received 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available CDA received 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Correct/Corrected Credit Report 2 Borrowers on the loan. Per AUS/DU, there were 2 different individual credit reports used. Credit Report XXXXX dated 5/24/2021 is in the file for XXXXX, but report 721144195736741 dated 5/24/2021 for XXXXX is missing. document provided  07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent). CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio The Additional REO properties of "XXXXX" and "XXXXX" are shown to be Condos on the 1003 and the HOI statements. However, there is no evidence of the HOA/Condo dues that would typically be required. Property expenses for these two properties appear to be understated without those expenses. no HOA LOE provided  Client 07/15/2021 10:22 AM; Docs to cure all conditions have been uploaded since 7/13, please review.

 Reviewer 07/19/2021 03:52 PM; Documentation has been provided. 
07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW - Occupancy Discrepancy/Misrep Per the 1003, XXXXX resides at XXXXX, which he has rented for 2.2 years. However, documentation in file shows the borrower resides at XXXXX. There is no documentation to validate the discrepancy. document provided  07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW - Lease Agreements Lease Agreements missing from the file for the other rental properties for which rental income was considered. document provided  07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio Borrower #1 and Borrower #2 do not live at the same residences. Borrower #2 (XXXXX) owns XXXXX, and the PITIA was used as a primary residence. However, Borrower #1 (XXXXX) rents his primary residence; there is no VOR or lease or any other evidence of the rent amount he pays per month for his primary residence. LOE rent free letter provided  07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Debt Calculations Incorrect Per final DU, submission #9 dated 5/4/2021, total overall debt ratio is XXXXX%. This is based on total liabilities of $XXXXX and total income of $XXXXX. Included in the liabilities is the total housing payment for their primary residence in the amount of $XXXXX; however, this is the deferred payment reflected on the original credit report. The credit refresh and subsequent mortgage statement confirmed the actual payment for their primary residence is $XXXXX/mo. Using this payment, their total monthly debt increases to $XXXXX/mo, resulting in a debt ratio of XXXXX%. Please provide an updated AUS approval reflecting this update. Additional information and/or documentation may be required upon receipt and review. Documentation has been provided.  07/23/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance Hazard Insurance - Other: Missing, please provide Evidence of Insurance - Must have a Policy ID number. Policy ID number cannot be Blank or TBD. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance Hazard Insurance - If Condo, blanket coverage policy is missing  Blanket policy has not been provided Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance AUS AUS - Other: 1008 is missing project classification needed for data delivery purposes. Information Provided 07/14/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Calculation Discrepancy self-employed income LP income of $59,258.00 does not match the qualifying income used on the 1008. Received updated AUS reflecting qualifying income. 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. A second collateral evaluation is required due to the CU Score exceeds 2.5 CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. U Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance AUS AUS - is missing. Missing the LP for the loan document provided.  07/12/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Note Note - is missing - No Image of Note found in file Only page 3 of 3 of the Note is in the bundle. Please upload a copy of the full Note for review. Thank you. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Missing Missing CD Signed by borrower at Consummation date (05-14-2021). Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Payee Name missing or incorrect Payee name is missing for Rent Schedule Fee in section-B in CD dated 05/04/2021.Please Provide correct PCCD for the same. Information Provided 07/16/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD-Clerical error correction made more than 60 days post consummation Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2 Reviewer 07/19/2021 09:43 AM; Per SFA scope, remediation for non-numeric clerical error and post-consummation revised closing disclosure delivery date made more than 60 days post consummation but within 60 days of discovery by TPR firm, then RA final grade = EV2
07/19/2021 B 2 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Debt Calculations Incorrect Need an updated AUS to reflect the total Present Housing Expense as $1316, total income $11908.98 (base $9136.40 & subject positive cash flow $2772.58) Received. Reviewer 07/19/2021 12:58 PM; AUS received. Income corrected but Total Present Housing expense was not corrected.
07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW – Closing Disclosure to showing the following debts being paid off Need the closing disclosure to verify the PITI for XXXXX Received 07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Due to UCDP not reflecting a score. 2nd valuation CDA is required. CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Profit and Loss required The Profit & Loss statement in file is not signed by the Co-Borrower (the business owner). And the P&L has an illogical date of "December 31, 2020 to April 30, 2020." It should read through April 30, 2021. Received 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA Received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Appraisal Other Loan has original appraisal but no CU score. CDA is to be ordered. CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Other UW Other - UW - Insurance Missing (MI or Project) Provide insurance documentation for subject property. received 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event The earliest e-signature event is 2/22/2021 Information Provided 07/12/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - E-Consent- missing evidence of borrower’s e-consent prior to earliest e-signature event The earliest e-signature event is 02/17/2021 Information Provided 07/12/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Satisfactory 2nd Appraisal Report Second collateral evaluation is required. COMMENT No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 3 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance(Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Income/Employment UW Income/Employment - UW - Calculation Discrepancy rental income Investor Qualifying Housing Ratio XXXXX Audited Housing Ration XXXXX /Investor Qualifying Total Debt Ratio XXXXX Audited ratio XXXXX documentation provided Client 07/14/2021 02:24 PM; Could you please advise further regarding this condition? DTI Ratios are XXXXX/XXXXX, borrowers income from employment is $XXXXX/mo plus $XXXXX received from rental income, even w/o rental income, borrower's ratios would be well within allowable limits. All documents related borrower's various investment properties should have been provided, could you please be more clear on what's being requested here?

 Reviewer 07/20/2021 01:13 PM; Documentation provided.
07/20/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral UW Collateral - UW - Appraisal Other Provide FNMA & FHLMC UCDP/SSR Submissions for the appraisal CDA received. Reviewer 07/19/2021 03:46 PM; Appraisal provided. UCDP/SSR submissions missing from file.
07/21/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU score exceeds 2.5 UW - Second collateral evaluation is required. COMMENT CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/16/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio Evidence in file that the primary residence (XXXXX) is being refinanced concurrently. There is no CD or Loan Approval or any other documentation to show what the new PITIA for Primary Residence will be. Received 07/19/2021 A 1 XXXXXXXXXX XX I 13 Temporary QM Safe Harbor 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Credit Other 12 month VOR is missing to verify rental history for XXXXX. Documentation has been provided.  07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/21/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. No CU Score provided or available. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Credit UW Credit - UW - Credit Other Provide credit report for XXXXX credit report matching AUS in file. Reviewer 07/19/2021 10:34 PM; The credit report received must match the AUS reference number. AUS could not be located. Please provide
07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - TRID- Fee Tolerance Violation Zero tolerance violation due to increase in credit report fee with no valid coc. Need proof of $51.00 refund along with letter of explanation to borrower and PCCD reflecting cure. All must be issued within 60 days of consummation. There is a coc in file dated 04/29 for the increase in the first credit report, however no valid reason was given. Information Provided Client 07/15/2021 07:06 PM; Valid condition is that an additional borrower was added to the loan which would result in an additional credit report being needed, hence the increase in the fee.

 Reviewer 07/16/2021 10:30 AM; Hi XXXXX, 

Do you have a change of circumstance referencing this? 
Thanks, 
Erica

 Reviewer 07/20/2021 09:41 AM;
07/19/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only-No action required by Correspondent). CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Qualifications UW Qualifications - UW - Loan amount does not match on the final approval and AUS Purchase Price on AUS of $XXXXX dose not match the final CD or Sales Contract of $XXXXX. received 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit UW Qualifications UW Qualifications - UW - Loan amount does not match on the final approval and AUS Sales Price on the final approval of $XXXXX does not match the Sales Price of $XXXXX on the Sales Contract and Final CD. received 07/20/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Credit Hazard Insurance Hazard Insurance - is missing. Hazard Insurance missing from file Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Other Fees name is missing for Payee name "XXXXX for amount of $260.00 in Section-H in CD dated 06/15/2021. Please Provide correct PCCD for the same. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional conditions may apply. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Compliance Compliance - CD- Missing Borrower signed at closing CD is missing in file. Information Provided 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Valuation UW Collateral TPR UW Collateral TPR - UW - Second collateral evaluation is required. CU Score exceeds 2.5 tolerance. (Internal condition only - No action required by Correspondent) CDA received. 07/15/2021 A 1 XXXXXXXXXX XX I 1 Exempt 1
XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXXXXXXX Compliance Deed of Trust/Mortgage Deed of Trust/Mortgage - is incomplete. Deed of trust is missing the notary stamp/seal and signature. Need the corrected deed of trust along with a letter of intent to re-record Information Provided 07/16/2021