Exhibit 99.11
| Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | TILA Status Loan Designation | Application Date | TRID | GSE | HOEPA Fees | TILA Fees | Rate Lock Date | Calculated APR | Original P&I | Qualifying P&I | Qualifying Rate | Is Borrower Non Occupant | Is Co Borrower Non Occupant | Borrower Employment Indicator | Co Borrower Employment Indicator | Co Borrower 2 Employment Indicator | Co Borrower 3 Employment Indicator | Co Borrower2 Length of Employment | Co Borrower3 Length of Employment | Borrower Foreign National Indicator | Co Borrower Foreign National Indicator | Co Borrower 2 Foreign National Indicator | Co Borrower 3 Foreign National Indicator | Borrower Country Name | Co Borrower Country Name | Co Borrower2 Country Name | Co Borrower3 Country Name | Residual Income | Num Units | Annual Property Tax | Annual Insurance Costs | HOA Name | HOA Address State | Fee Amount | Next Due Date | HOA Payment Frequency | Investor DTI | QM DTI | Non QM DTI | Original Credit Report Date | Qualifying Credit Score | Third Wage Earner Original FICO Equifax | Third Wage Earner Original FICO Experian | Third Wage Earner Original FICO Transunion | Fourth Wage Earner Original FICO Equifax | Fourth Wage Earner Original FICO Experian | Fourth Wage Earner Original FICO Transunion | Most Recent Updated Credit Report Date | Primary Wage Earner Updated FICO Equifax | Primary Wage Earner Updated FICO Experian | Primary Wage Earner Updated FICO Transunion | Secondary Wage Earner Updated FICO Equifax | Secondary Wage Earner Updated FICO Experian | Secondary Wage Earner Updated FICO Transunion | Third Wage Earner Updated FICO Equifax | Third Wage Earner Updated FICO Experian | Third Wage Earner Updated FICO Transunion | Fourth Wage Earner Updated FICO Equifax | Fourth Wage Earner Updated FICO Experian | Fourth Wage Earner Updated FICO Transunion | Most Recent Updated Co Borrower 2 FICO | Most Recent Updated Co Borrower 3 FICO | Co Borrower 2 Asset Verification Level | Co Borrower 3 Asset Verification Level | Co Borrower 2 Income Verification Level | Co Borrower 3 Income Verification Level | Co Borrower 2 Employment Verification Level | Co Borrower 3 Employment Verification Level | Asset Depletion Flag | Bank Statements Flag | Number of Statements | Type of Statements | Percent of Income From Statements | Borrower Business Ownership % | CoBorrower Business Ownership % | P&L Type | Income Doc Detail | Tax Return Doc Details | Document Level | Most Recent Bankruptcy Type | Most Recent Bankruptcy Filing Date | Most Recent Bankruptcy Discharge Date | Number of Bankruptcy Events | Months Bankruptcy (7, 11) | Months Bankruptcy (13) | Most Recent Deed-in -Lieu Date | Number of Deed-in-Lieu Events | Months Deed-in-Lieu | Most Recent Short Sale Date | Number of Short Sale Events | Months Short Sale (or Pre FC) | Most Recent Foreclosure Date | Number of Foreclosure Events | Months Foreclosure | Prior Mortgage/Rent Late 30d in 24m | Prior Mortgage/Rent Late 60d in 24m | Prior Mortgage/Rent Late 90d in 24m | Has ACH | Guideline Name | UW Guideline Author | QM Regulation Failures | ATR QM Total Points and Fees Audit | Loan Regulation Benchmark Date | Benchmark Rate | HUD 1 Page 1 Credits Total | Collateral Underwriter Risk Score | AUS Decision System | Property Inspection Waiver (PIW) | Rating Result | Eligible For Rep and Warrant Relief Per Collateral Advisor | Is Equity Shared Loan | Investor Qualifying Rate | Borrower Years of W2s | CoBorrower Years of W2s | Years of Personal Tax Returns | Years of Business Tax Returns | Years of 4506T | Years of Tax Transcripts | Months of Personal Bank Statements | Months of Business Bank Statements | Months of Profit and Loss Statements | Expense Letter | DSCR | Inverse DSCR | Subordinate Lien Type | Is Shared Appreciation Mortgage | Duration of Payout Months | Seller VSH Indicator | Seller Indicated VSH Guideline | Validated VSH | IO Remaining Amortization Term at Recast | Maturity Date | Borrower Own Funds Cash Amount | Borrower Own Funds Percent | Is the Note an eNote |
| 438820775 | N/A | Yes | No | $19,856.88 | $12,288.29 | 6.066% | $2,078.98 | $2,078.98 | 5.750% | No | No | Self-Employed | US Citizen | $6,759.85 | 1 | $858.60 | 34.714% | 34.714% | 34.714% | 05/30/2021 | 780 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $19,856.88 | 2.830% | $0.00 | None | N/A | No | 5.750% | 0 | 2 | 0 | 0 | 0 | 17.00 | No | $120,220.72 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820777 | N/A | Yes | No | $12,318.00 | $6,541.56 | 6.571% | $1,200.65 | $1,200.65 | 6.250% | No | No | Self-Employed | Permanent Resident Alien | $4,623.52 | 2 | $1,467.00 | 9.334% | 9.334% | 9.334% | 06/28/2021 | 669 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2021 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2021 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,318.00 | 2.830% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 16.00 | No | $82,261.35 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820776 | N/A | Yes | No | $14,544.00 | $8,809.96 | 5.550% | $1,468.86 | $1,468.86 | 5.250% | No | No | Self-Employed | US Citizen | $14,540.69 | 1 | $243.00 | 27.458% | 27.458% | 27.458% | 05/26/2021 | 766 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,544.00 | 2.830% | $0.00 | None | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $150,936.85 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639114 | N/A | Yes | No | $7,893.75 | $5,298.45 | 6.800% | $725.25 | $725.25 | 6.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,452.58 | 1 | $780.00 | 32.126% | 32.126% | 32.126% | 03/23/2021 | 709 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2021 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; Other - 2021 [Borrower - | Primary Income - Sole Proprietor]; Other - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $7,893.75 | 2.990% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0 | 16.60 | No | $82,996.45 | 54.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639116 | N/A | Yes | No | $13,739.20 | $9,402.52 | 5.445% | $2,473.60 | $2,473.60 | 5.000% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | US Citizen | $23,700.07 | 1 | $609.36 | 20.417% | 20.417% | 20.417% | 04/20/2021 | 819 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $13,739.20 | 2.310% | $0.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $141,115.67 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639117 | N/A | Yes | No | $17,746.25 | $11,056.25 | 5.339% | $1,546.05 | $1,546.05 | 5.000% | No | No | Self-Employed | US Citizen | $5,842.12 | 2 | $1,289.04 | 34.234% | 34.234% | 34.234% | 04/30/2021 | 804 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,746.25 | 3.040% | $0.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 15.97 | No | $241,079.58 | 48.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639115 | N/A | Yes | No | $9,412.00 | $5,218.12 | 5.730% | $1,117.41 | $1,117.41 | 5.500% | No | No | Self-Employed | US Citizen | $22,301.42 | 1 | $888.00 | 7.606% | 7.606% | 7.606% | 03/30/2021 | 722 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,412.00 | 2.980% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | $11,373.81 | 4.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639125 | Non QM | Yes | No | $53,245.00 | $59,226.60 | 3.767% | $10,424.56 | $10,424.56 | 3.575% | No | No | Self-Employed | US Citizen | $16,122.77 | 1 | $6,345.00 | 48.804% | 48.804% | 48.804% | 08/23/2021 | 792 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities - Revolving Other Income - Not to be used for qualifying QM DTI |
$53,245.00 | 2.930% | $0.00 | 2.6 | None | No | No | 3.575% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639126 | Non QM | Yes | No | $42,369.97 | $45,660.15 | 4.165% | $7,096.52 | $7,096.52 | 3.925% | No | No | Employed | US Citizen | $33,241.79 | 1 | $23,996.40 | 37.222% | 37.222% | 37.222% | 08/25/2021 | 759 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; VVOE - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2019 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1040 - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | Capital Gains Assets Capital Gains Tax Returns |
$42,369.97 | 2.920% | $0.00 | 5.0 | None | No | No | 3.925% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | $91,438.14 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639141 | Non QM | Yes | No | $12,495.00 | $14,093.56 | 3.392% | $1,713.50 | $1,713.50 | 3.125% | No | No | Self-Employed | US Citizen | $95,743.61 | 1 | $1,098.60 | 10.468% | 10.468% | 10.468% | 09/28/2021 | 787 | No | Yes | 24 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$12,495.00 | 3.100% | $0.00 | 1.9 | DU | ApproveEligible | No | No | 3.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $250,735.84 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639142 | Safe Harbor QM (APOR) | Yes | No | $6,295.00 | $7,700.00 | 4.377% | $1,163.16 | $1,163.16 | 4.125% | No | No | Self-Employed | US Citizen | $15,573.48 | 1 | $1,674.00 | 9.504% | 9.504% | 9.504% | 09/15/2021 | 730 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,295.00 | 3.100% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $500.00 | 0.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639143 | Safe Harbor QM (APOR) | Yes | No | $12,393.44 | $14,304.58 | 3.690% | $2,610.07 | $2,610.07 | 3.500% | No | No | Self-Employed | US Citizen | $17,922.08 | 1 | $723.00 | 27.004% | 27.004% | 27.004% | 09/30/2021 | 809 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,393.44 | 3.100% | $0.00 | 1.0 | None | Yes | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $403,980.88 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639144 | Safe Harbor QM (APOR) | Yes | No | $9,895.00 | $11,152.18 | 3.653% | $2,514.65 | $2,514.65 | 3.500% | No | No | Self-Employed | US Citizen | $8,713.00 | 1 | $680.28 | 44.952% | 44.952% | 44.952% | 10/22/2021 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,895.00 | 3.200% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639145 | Safe Harbor QM (APOR) | Yes | No | $14,212.50 | $17,511.05 | 3.368% | $4,948.30 | $4,948.30 | 3.250% | No | No | Self-Employed | US Citizen | $13,919.94 | 1 | $2,181.00 | 32.267% | 32.267% | 32.267% | 09/28/2021 | 801 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,212.50 | 3.100% | $0.00 | 3.3 | DU | ApproveIneligible | N/A | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $67,397.88 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639147 | Non QM | Yes | No | $6,792.50 | $7,903.14 | 4.061% | $981.34 | $981.34 | 3.750% | No | No | Self-Employed | US Citizen | $39,041.92 | 1 | $1,092.00 | 9.684% | 9.684% | 9.684% | 10/06/2021 | 680 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,792.50 | 3.030% | $0.00 | 1.9 | DU | ApproveEligible | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $5,517.86 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639149 | Safe Harbor QM (APOR) | Yes | No | $11,732.50 | $11,080.85 | 4.037% | $13,033.44 | $13,033.44 | 4.000% | No | No | Self-Employed | US Citizen | $93,544.58 | 1 | $4,063.92 | 32.297% | 32.297% | 32.297% | 10/13/2021 | 720 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,732.50 | 3.200% | $0.00 | 4.1 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639150 | Safe Harbor QM (APOR) | Yes | No | $12,449.12 | $15,646.20 | 3.611% | $4,372.35 | $4,372.35 | 3.500% | No | No | Self-Employed | US Citizen | $14,069.40 | 1 | $2,245.44 | 43.999% | 43.999% | 43.999% | 10/12/2021 | 799 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,449.12 | 3.200% | $0.00 | 3.4 | DU | ApproveIneligible | No | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $776,223.48 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639151 | Safe Harbor QM (APOR) | Yes | No | $9,932.50 | $12,429.65 | 4.038% | $2,645.08 | $2,645.08 | 3.875% | No | No | Self-Employed | US Citizen | $57,577.69 | 1 | $4,068.00 | 6.384% | 6.384% | 6.384% | 11/01/2021 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,932.50 | 3.140% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639152 | Safe Harbor QM (APOR) | Yes | No | $7,095.00 | $7,551.85 | 3.702% | $1,257.33 | $1,257.33 | 3.500% | No | No | Self-Employed | US Citizen | $2,702.35 | 1 | $563.88 | 41.571% | 41.571% | 41.571% | 09/15/2021 | 721 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,095.00 | 3.030% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $311,572.94 | 56.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639153 | Safe Harbor QM (APOR) | Yes | No | $11,495.00 | $14,007.15 | 3.850% | $4,480.64 | $4,480.64 | 3.750% | No | No | Self-Employed | US Citizen | $7,766.31 | 1 | $492.00 | 43.357% | 43.357% | 43.357% | 11/08/2021 | 792 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,495.00 | 3.160% | $0.00 | DU | ApproveIneligible | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $300,561.57 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639157 | Non QM | Yes | No | $11,684.22 | $12,494.86 | 3.517% | $1,634.67 | $1,634.67 | 3.250% | No | No | Self-Employed | US Citizen | $50,862.99 | 1 | $2,565.00 | 18.389% | 18.389% | 18.389% | 11/03/2021 | 802 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,684.22 | 3.160% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $133,117.81 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639158 | Safe Harbor QM (APOR) | Yes | No | $4,466.41 | $4,905.61 | 3.407% | $1,074.96 | $1,074.96 | 3.250% | No | No | Self-Employed | US Citizen | $10,552.41 | 1 | $2,075.16 | 18.828% | 18.828% | 18.828% | 09/15/2021 | 790 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $4,466.41 | 3.100% | $0.00 | 2.6 | LP / LPA | Accept | No | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639128 | Safe Harbor QM (APOR) | Yes | No | $4,145.00 | $5,686.20 | 4.036% | $1,246.13 | $1,246.13 | 3.875% | No | No | Self-Employed | US Citizen | $2,937.36 | 1 | $1,191.00 | 49.247% | 49.247% | 49.247% | 08/24/2021 | 682 | No | Yes | 24 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $4,145.00 | 2.910% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | $227,860.98 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639127 | Safe Harbor QM (APOR) | Yes | No | $17,095.00 | $18,603.04 | 3.766% | $4,742.93 | $4,742.93 | 3.625% | No | No | Self-Employed | US Citizen | $9,358.43 | 1 | $6,081.96 | 39.883% | 39.883% | 39.883% | 08/30/2021 | 800 | No | Yes | 24 | Business | 86.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Non-Primary Income - Trust Income]; Account Statements - 2021 [Borrower - | Non-Primary Income - Trust Income]; Trust Agreement - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,095.00 | 2.930% | $13,500.00 | 1.0 | None | Yes | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $1,972,800.17 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639129 | Safe Harbor QM (APOR) | Yes | No | $10,195.00 | $11,757.81 | 3.466% | $1,893.15 | $1,893.15 | 3.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $19,767.56 | 1 | $7,170.00 | 27.512% | 27.512% | 27.512% | 09/19/2021 | 751 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,195.00 | 3.060% | $0.00 | 2.5 | DU | ApproveEligible | No | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $800,987.64 | 92.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639156 | N/A | Yes | No | $5,903.28 | $5,903.28 | 4.250% | No | No | US Citizen | 3 | $2,309.04 | 0.000% | 0.000% | 0.000% | 10/13/2021 | 777 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.35 | 0.74 | $248,231.12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639163 | Non QM | Yes | No | $4,390.00 | $6,414.62 | 4.149% | $907.56 | $907.56 | 3.875% | No | No | Self-Employed | US Citizen | $4,525.98 | 1 | $1,283.04 | 30.887% | 30.887% | 30.887% | 11/30/2021 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $4,390.00 | 3.160% | $0.00 | 1.0 | None | N/A | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639164 | N/A | Yes | No | $3,515.02 | $3,515.02 | 3.875% | No | No | Foreign National | 1 | $756.12 | 0.000% | 0.000% | 0.000% | 01/03/2022 | 790 | No | No | Other | 0 | 0 | 0 | Yes | $0.00 | 2.6 | N/A | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | $747,504.54 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639170 | Safe Harbor QM (APOR) | Yes | No | $15,078.00 | $18,558.54 | 4.614% | $6,692.30 | $6,692.30 | 4.500% | No | No | Employed | US Citizen | $18,883.42 | 1 | $6,377.04 | 49.479% | 49.479% | 49.479% | 12/09/2021 | 801 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $15,078.00 | 3.510% | $217,500.00 | 4.2 | None | Yes | No | 4.500% | 1 | 0 | 0 | 2 | 2 | 0.00 | No | Yes | FNMA (June 2020) | Yes | $327,132.38 | 20.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639172 | Non QM | Yes | No | $5,047.00 | $9,780.00 | 4.828% | $4,173.18 | $4,173.18 | 4.750% | No | No | Employed | Employed | Permanent Resident Alien | Non-Permanent Resident Alien | $12,775.37 | 1 | $1,009.20 | 30.287% | 30.287% | 30.287% | 11/29/2021 | 766 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2019 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $5,047.00 | 3.620% | $0.00 | 2.7 | None | No | No | 4.750% | 1 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | $362,788.15 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639174 | Non QM | Yes | No | $6,520.00 | $5,042.56 | 4.268% | $716.12 | $716.12 | 4.000% | No | No | Self-Employed | US Citizen | $14,288.76 | 1 | $1,248.96 | 10.077% | 10.077% | 10.077% | 12/16/2021 | 799 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,520.00 | 3.280% | $0.00 | 2.8 | None | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639159 | Safe Harbor QM (APOR) | Yes | No | $5,919.23 | $6,359.92 | 3.876% | $963.41 | $963.41 | 3.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,431.08 | 1 | $728.40 | 16.026% | 16.026% | 16.026% | 12/10/2021 | 757 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2011 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,919.23 | 3.160% | $0.00 | 1.0 | None | Yes | No | 3.625% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $16,468.97 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639160 | Safe Harbor QM (APOR) | Yes | No | $11,995.00 | $15,722.00 | 3.835% | $5,557.39 | $5,557.39 | 3.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $246,201.87 | 1 | $4,850.04 | 5.900% | 5.900% | 5.900% | 11/22/2021 | 776 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; 4506-C (for Business) - 2018 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $11,995.00 | 3.160% | $0.00 | 2.8 | None | No | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $407,196.32 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639177 | Safe Harbor QM (APOR) | Yes | No | $29,245.00 | $9,750.38 | 4.390% | $11,084.13 | $11,084.13 | 4.375% | No | No | Self-Employed | Employed | Employed | 3.94 | US Citizen | US Citizen | US Citizen | $37,403.15 | 1 | $1,584.00 | 41.644% | 41.644% | 41.644% | 12/12/2021 | 734 | 771 | 784 | 778 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 2-Stated/Not Verified | No | Yes | 24 | Business | 82.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $29,245.00 | 3.160% | $0.00 | 3.6 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $952,343.26 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639178 | Safe Harbor QM (APOR) | Yes | No | $3,495.00 | $6,238.86 | 3.404% | $4,863.06 | $4,863.06 | 3.375% | No | No | Self-Employed | US Citizen | $6,514.55 | 1 | $1,055.04 | 48.312% | 48.312% | 48.312% | 12/20/2021 | 736 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $3,495.00 | 3.170% | $0.00 | 1.4 | None | No | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $995,732.44 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639179 | Safe Harbor QM (APOR) | Yes | No | $20,495.00 | $26,055.50 | 3.529% | $5,552.73 | $5,552.73 | 3.375% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $18,941.06 | 1 | $852.00 | 33.717% | 33.717% | 33.717% | 12/14/2021 | 767 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $20,495.00 | 3.100% | $0.00 | 2.2 | None | Yes | No | 3.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $493,082.50 | 31.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639161 | Safe Harbor QM (APOR) | Yes | No | $5,011.00 | $7,256.16 | 3.659% | $1,578.84 | $1,578.84 | 3.500% | No | No | Self-Employed | US Citizen | $9,173.35 | 1 | $1,826.04 | 38.844% | 38.844% | 38.844% | 12/30/2021 | 729 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,011.00 | 3.160% | $0.00 | 2.6 | None | Yes | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $326,515.89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639162 | Safe Harbor QM (APOR) | Yes | No | $28,700.00 | $32,060.38 | 3.926% | $6,645.71 | $6,645.71 | 3.750% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $20,562.75 | 1 | $5,990.64 | 41.339% | 41.339% | 41.339% | 11/10/2021 | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $28,700.00 | 3.280% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $2,289,382.06 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639165 | Safe Harbor QM (APOR) | Yes | No | $7,686.25 | $8,529.81 | 3.412% | $1,796.31 | $1,796.31 | 3.250% | No | No | Self-Employed | US Citizen | $16,869.40 | 1 | $828.00 | 16.649% | 16.649% | 16.649% | 11/01/2021 | 801 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,686.25 | 3.170% | $5,000.00 | 5.0 | None | Yes | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $239,897.42 | 38.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639166 | Safe Harbor QM (APOR) | Yes | No | $25,821.88 | $27,661.88 | 3.908% | $6,557.72 | $6,557.72 | 3.750% | No | No | Self-Employed | US Citizen | $70,426.67 | 1 | $3,701.04 | 11.895% | 11.895% | 11.895% | 11/09/2021 | 753 | No | Yes | 25 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 24]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $25,821.88 | 3.170% | $0.00 | 3.2 | None | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 25 | 0.00 | No | Not Stated | $332,382.34 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639173 | Safe Harbor QM (APOR) | Yes | No | $1,534.03 | $3,422.74 | 3.921% | $2,482.86 | $2,482.86 | 3.875% | No | No | Self-Employed | US Citizen | $24,577.00 | 1 | $1,683.96 | 14.853% | 14.853% | 14.853% | 11/13/2021 | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $1,534.03 | 3.280% | $0.00 | 1.1 | DU | ApproveEligible | N/A | No | 3.875% | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | $16,868.00 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639175 | Safe Harbor QM (APOR) | Yes | No | $22,794.00 | $24,930.54 | 3.858% | $3,739.62 | $3,739.62 | 3.625% | No | No | Self-Employed | US Citizen | $27,003.86 | 1 | $3,873.00 | 21.793% | 21.793% | 21.793% | 12/27/2021 | 722 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $22,794.00 | 3.280% | $0.00 | 1.0 | None | No | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $6,362.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639176 | Safe Harbor QM (APOR) | Yes | Yes | $8,915.50 | $10,202.90 | 4.183% | $2,029.02 | $2,029.02 | 4.000% | No | No | Not Employed | US Citizen | $3,265.01 | 1 | $1,599.00 | 45.126% | 45.126% | 45.126% | 11/22/2021 | 778 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $8,915.50 | 3.160% | $0.00 | 1.4 | DU | ApproveEligible | No | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 120 | Not Stated | $749,382.16 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639148 | Safe Harbor QM (APOR) | Yes | No | $41,920.00 | $50,532.07 | 4.010% | $12,672.89 | $12,672.89 | 3.875% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $145,298.25 | 1 | $8,999.04 | 19.279% | 19.279% | 19.279% | 11/09/2021 | 706 | No | No | [Borrower - | Primary Income - Pension]; Award Letter / Continuance Letter - 2021 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-C - 2018 |
Other | 0 | 0 | 0 | None | $41,920.00 | 3.160% | $10,000.00 | 2.7 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | $1,717,336.96 | 45.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639186 | N/A | Yes | No | $11,215.00 | $8,879.17 | 4.768% | $737.91 | $737.91 | 4.250% | No | No | Employed | Employed | Not Employed | Not Employed | 0 | 0 | US Citizen | US Citizen | US Citizen | US Citizen | $13,671.60 | 1 | $1,530.00 | 22.774% | 22.774% | 22.774% | 12/13/2021 | 766 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2021 [Borrower - | Primary Income - Wages]; VVOE - 2021 [Borrower - | Primary Income - Wages]; WVOE - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $11,215.00 | 2.910% | $0.00 | None | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $395,196.88 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639196 | N/A | Yes | No | $12,989.05 | $8,688.47 | 5.070% | $1,217.79 | $1,217.79 | 4.750% | No | No | Self-Employed | US Citizen | $24,678.24 | 1 | $7,241.04 | 9.008% | 9.008% | 9.008% | 12/13/2021 | 704 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; Other - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,989.05 | 3.030% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $10,000.00 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639195 | N/A | Yes | No | $10,122.50 | $6,443.89 | 5.254% | $1,100.48 | $1,100.48 | 5.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $5,142.74 | 2 | $1,111.92 | 33.499% | 33.499% | 33.499% | 09/29/2021 | 729 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,122.50 | 2.930% | $0.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 0 | 22.00 | No | $31,867.75 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639184 | N/A | Yes | No | $7,918.75 | $5,967.81 | 5.817% | $979.44 | $979.44 | 5.500% | No | No | Self-Employed | US Citizen | $4,989.85 | 2 | $1,256.04 | 12.465% | 12.465% | 12.465% | 10/20/2021 | 770 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,918.75 | 3.030% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $112,645.66 | 45.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639183 | N/A | Yes | No | $38,413.10 | $22,003.14 | 5.790% | $5,730.08 | $5,730.08 | 5.625% | No | No | Self-Employed | 6.58 | US Citizen | $14,890.84 | 1 | $297.00 | 23.786% | 23.786% | 23.786% | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
Other | 0 | 0 | 0 | None | $38,413.10 | 3.030% | $0.00 | None | No | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $310,675.21 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639200 | N/A | Yes | No | $6,877.25 | $6,703.15 | 6.120% | $576.31 | $576.31 | 5.500% | No | No | Self-Employed | US Citizen | $6,051.32 | 2 | $980.28 | 10.075% | 10.075% | 10.075% | 09/27/2021 | 699 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2020 [Borrower - | Primary Income - Sole Proprietor]; W-2 - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,877.25 | 3.030% | $0.00 | None | No | No | 5.500% | 2 | 0 | 0 | 0 | 0 | 22.97 | No | $52,642.92 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639187 | N/A | Yes | No | $14,502.00 | $15,000.15 | 4.680% | $1,465.98 | $1,465.98 | 4.250% | No | No | Self-Employed | US Citizen | $8,321.96 | 1 | $1,308.96 | 38.337% | 38.337% | 38.337% | 10/13/2021 | 787 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,502.00 | 3.030% | $0.00 | None | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | $10,444.69 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639180 | N/A | Yes | No | $20,177.30 | $14,681.50 | 5.118% | $1,799.42 | $1,799.42 | 4.750% | No | No | Self-Employed | US Citizen | $8,977.49 | 1 | $1,876.08 | 14.329% | 14.329% | 14.329% | 10/18/2021 | 718 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $20,177.30 | 3.030% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | $151,077.83 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639189 | N/A | Yes | No | $10,752.58 | $8,355.02 | 6.041% | $1,108.14 | $1,108.14 | 5.625% | No | No | Self-Employed | US Citizen | $17,454.73 | 1 | $570.12 | 36.574% | 36.574% | 36.574% | 10/28/2021 | 713 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2021 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2021 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,752.58 | 3.030% | $0.00 | None | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639188 | N/A | Yes | No | $54,956.25 | $26,463.25 | 5.643% | $8,303.91 | $8,303.91 | 5.500% | No | No | Self-Employed | Foreign National | $49,663.28 | 1 | $1,137.12 | 20.539% | 20.539% | 20.539% | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $54,956.25 | 3.030% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $1,146,649.09 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639197 | N/A | Yes | No | $15,004.90 | $10,208.71 | 5.902% | $1,330.61 | $1,330.61 | 5.500% | No | No | Self-Employed | US Citizen | $17,774.22 | 1 | $1,775.88 | 19.974% | 19.974% | 19.974% | 10/26/2021 | 703 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,004.90 | 3.030% | $0.00 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 20.97 | No | $139,522.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639203 | N/A | Yes | No | $18,246.25 | $11,273.05 | 5.102% | $1,467.13 | $1,467.13 | 4.750% | No | No | Self-Employed | US Citizen | $11,317.98 | 1 | $829.20 | 24.547% | 24.547% | 24.547% | 11/03/2021 | 713 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $18,246.25 | 3.030% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $120,445.96 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639185 | N/A | Yes | No | $35,976.00 | $1,410.00 | 4.629% | $7,706.95 | $7,706.95 | 4.625% | No | No | Self-Employed | Permanent Resident Alien | $70,765.11 | 3 | $3,612.72 | 0.096% | 0.096% | 0.096% | 11/04/2021 | 751 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $35,976.00 | 3.030% | $0.00 | None | No | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | $1,066,702.67 | 45.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639199 | N/A | Yes | No | $69,830.00 | $54,801.45 | 5.132% | $6,311.93 | $6,311.93 | 4.750% | No | No | Not Employed | Self-Employed | 10.7 | US Citizen | $41,242.67 | 1 | $810.00 | 12.912% | 12.912% | 12.912% | 11/15/2021 | 767 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
Other | 0 | 0 | 0 | None | $69,830.00 | 3.030% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $949,801.88 | 50.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639190 | N/A | Yes | No | $29,952.00 | $20,101.28 | 4.937% | $2,637.54 | $2,637.54 | 4.625% | No | No | Self-Employed | US Citizen | $6,389.39 | 1 | $1,857.96 | 25.384% | 25.384% | 25.384% | 12/13/2021 | 723 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; Other - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $29,952.00 | 3.030% | $0.00 | None | N/A | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $67,152.43 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639202 | N/A | Yes | No | $17,710.00 | $17,824.30 | 5.280% | $1,944.84 | $1,944.84 | 4.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $20,535.59 | 1 | $1,851.96 | 36.436% | 36.436% | 36.436% | 11/09/2021 | 779 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,710.00 | 3.030% | $0.00 | None | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | $292,831.09 | 48.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639194 | N/A | Yes | No | $33,000.00 | $14,712.50 | 5.518% | $5,039.74 | $5,039.74 | 5.375% | No | No | Self-Employed | US Citizen | $15,700.88 | 2 | $1,490.04 | 32.948% | 32.948% | 32.948% | 11/04/2021 | 732 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $33,000.00 | 3.030% | $0.00 | None | N/A | No | 5.375% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | $78,528.10 | 7.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639182 | N/A | Yes | No | $27,191.00 | $16,490.75 | 5.165% | $2,667.21 | $2,667.21 | 4.875% | No | No | Self-Employed | Foreign National | $1,928.32 | 1 | $1,791.84 | 59.992% | 59.992% | 59.992% | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
Other | 0 | 0 | 0 | None | $27,191.00 | 3.100% | $0.00 | None | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $35,000.00 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639181 | N/A | Yes | No | $9,699.00 | $5,252.75 | 4.961% | $1,126.76 | $1,126.76 | 4.750% | No | No | Self-Employed | US Citizen | $7,513.11 | 1 | $1,791.96 | 23.635% | 23.635% | 23.635% | 11/10/2021 | 750 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2021 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,699.00 | 3.030% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 22.00 | No | $17,103.36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639193 | N/A | Yes | No | $36,601.00 | $24,767.73 | 5.055% | $3,403.75 | $3,403.75 | 4.750% | No | No | Self-Employed | US Citizen | $17,161.30 | 1 | $1,850.88 | 15.253% | 15.253% | 15.253% | 11/19/2021 | 700 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $36,601.00 | 3.100% | $0.00 | None | N/A | No | 4.750% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $648,045.66 | 74.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639192 | N/A | Yes | No | $8,365.00 | $11,008.96 | 5.470% | $2,153.59 | $2,153.59 | 5.250% | No | No | Self-Employed | US Citizen | $16,949.90 | 1 | $1,294.32 | 16.297% | 16.297% | 16.297% | 11/19/2021 | 700 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,365.00 | 3.100% | $0.00 | None | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $416,384.53 | 80.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639204 | N/A | Yes | No | $66,805.00 | $41,896.88 | 4.746% | $6,764.25 | $6,764.25 | 4.500% | No | No | Self-Employed | US Citizen | $53,494.17 | 1 | $7,323.96 | 28.239% | 28.239% | 28.239% | 12/22/2021 | 710 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $66,805.00 | 3.100% | $0.00 | None | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 24.00 | No | $39,905.28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639201 | N/A | Yes | No | $13,725.00 | $9,885.50 | 5.375% | $1,207.85 | $1,207.85 | 5.000% | No | No | Self-Employed | US Citizen | $42,246.86 | 2 | $776.52 | 17.236% | 17.236% | 17.236% | 12/01/2021 | 775 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,725.00 | 3.100% | $0.00 | None | N/A | No | 5.000% | 0 | 0 | 0 | 0 | 0 | 22.97 | No | $210,237.30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639206 | N/A | Yes | No | $11,617.50 | $8,574.38 | 6.028% | $1,122.53 | $1,122.53 | 5.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,956.35 | 2 | $2,195.04 | 47.562% | 47.562% | 47.562% | 11/04/2021 | 697 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; Other - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $11,617.50 | 3.100% | $0.00 | None | No | No | 5.625% | 0 | 0 | 0 | 0 | 0 | 0 | 24.00 | No | $160,941.43 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639191 | N/A | Yes | No | $21,688.00 | $14,025.33 | 5.168% | $2,074.50 | $2,074.50 | 4.875% | No | No | Self-Employed | US Citizen | $11,902.75 | 1 | $920.04 | 12.991% | 12.991% | 12.991% | 12/21/2021 | 809 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $21,688.00 | 3.100% | $0.00 | 1.0 | None | No | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 23.00 | No | $200,493.65 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639205 | N/A | Yes | No | $60,950.00 | $32,387.08 | 4.993% | $10,028.16 | $10,028.16 | 4.625% | No | No | Not Employed | Not Employed | Self-Employed | 0 | 6.87 | US Citizen | US Citizen | $56,692.85 | 1 | $7,076.16 | 28.614% | 28.614% | 28.614% | 12/29/2021 | 751 | Level 1-Not Stated/Not Verified | Level 4-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
Other | 0 | 0 | 0 | None | $60,950.00 | 2.430% | $0.00 | None | N/A | No | 4.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $295,000.00 | 10.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639198 | N/A | Yes | No | $30,562.50 | $19,011.17 | 5.330% | $3,879.47 | $3,879.47 | 5.125% | No | No | Self-Employed | US Citizen | $48,509.99 | 1 | $2,009.76 | 14.911% | 14.911% | 14.911% | 01/14/2022 | 733 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2021 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $30,562.50 | 3.510% | $0.00 | None | N/A | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $50,317.07 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639207 | N/A | Yes | No | $633.15 | $633.15 | 3.500% | No | No | 0 | Non-Permanent Resident Alien | 1 | $996.96 | 0.000% | 0.000% | 0.000% | 02/09/2022 | 674 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | $14,549.84 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639210 | Non QM | Yes | No | $17,334.67 | $19,221.74 | 3.604% | $3,551.04 | $7,061.01 | 3.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,169.84 | 1 | $6,108.96 | 47.012% | 30.361% | 47.012% | 12/31/2021 | 752 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$17,334.67 | 3.170% | $0.00 | 2.5 | None | No | No | 3.500% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 240 | $5,294.79 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639209 | Non QM | Yes | No | $9,392.50 | $11,609.10 | 3.786% | $1,459.40 | $1,459.40 | 3.500% | No | No | Self-Employed | US Citizen | $2,089.54 | 1 | $1,646.04 | 49.872% | 49.872% | 49.872% | 02/08/2022 | 706 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | QM DTI Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test |
$9,392.50 | 3.170% | $0.00 | None | N/A | No | 3.500% | 0 | 2 | 0 | 3 | 2 | 22.00 | No | $8,522.56 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639208 | Non QM | Yes | No | $18,218.20 | $19,269.83 | 4.306% | $1,300.00 | $1,861.92 | 4.000% | No | No | Not Employed | US Citizen | $5,396.58 | 1 | $476.04 | 39.779% | 33.508% | 39.779% | 02/01/2022 | 747 | Yes | No | [Borrower - | Non-Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - | Non-Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Overtime Bonus 2Yr Calc Overtime Bonus Declining Overtime Bonus Method of Calculation QM Deferment of Principal QM Employment History - Current and/or Previous Employment Documentation lacks Date Info QM Loan Term QM Points and Fees 2021 |
$18,218.20 | 3.610% | $0.00 | 1.0 | None | N/A | No | 4.000% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 360 | $134,013.89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639211 | Safe Harbor QM (APOR) | Yes | No | $22,951.00 | $49,276.05 | 3.828% | $5,388.54 | $5,388.54 | 3.500% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $41,964.46 | 1 | $1,272.60 | 13.221% | 13.221% | 13.221% | 01/07/2022 | 778 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $22,951.00 | 3.510% | $0.00 | 2.6 | None | No | No | 3.500% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | $97,449.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639212 | Non QM | Yes | No | $12,456.30 | $14,086.10 | 4.462% | $2,789.30 | $2,789.30 | 4.250% | No | No | Self-Employed | US Citizen | $7,410.29 | 1 | $1,704.00 | 41.311% | 41.311% | 41.311% | 11/08/2021 | 771 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2018 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; 4506-C (for Business) - 2017 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $12,456.30 | 3.160% | $15,000.00 | 1.0 | None | Yes | No | 4.250% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | $85,899.78 | 14.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639213 | Non QM | Yes | No | $7,990.00 | $9,747.32 | 4.068% | $5,251.57 | $5,251.57 | 4.000% | No | No | Self-Employed | US Citizen | $8,920.98 | 1 | $1,067.16 | 44.908% | 44.908% | 44.908% | 11/30/2021 | 645 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$7,990.00 | 3.510% | $0.00 | 3.5 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639215 | N/A | Yes | No | $11,821.09 | $11,064.90 | 4.720% | $1,310.62 | $1,310.62 | 4.375% | No | No | Self-Employed | US Citizen | $9,481.45 | 1 | $2,765.04 | 43.327% | 43.327% | 43.327% | 12/16/2021 | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,821.09 | 3.610% | $0.00 | 1.0 | None | Yes | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $167,826.44 | 48.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639221 | Non QM | Yes | No | $13,358.31 | $14,412.62 | 4.202% | $1,749.87 | $1,749.87 | 3.875% | No | No | Self-Employed | US Citizen | $23,736.82 | 1 | $17,274.00 | 37.131% | 37.131% | 37.131% | 01/28/2022 | 734 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$13,358.31 | 3.620% | $0.00 | 1.3 | None | No | No | 3.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | $212,059.89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639222 | Safe Harbor QM (APOR) | Yes | No | $8,413.60 | $13,551.08 | 4.367% | $3,837.13 | $3,837.13 | 4.250% | No | No | Not Employed | US Citizen | $10,822.45 | 1 | $945.12 | 32.614% | 32.614% | 32.614% | 01/05/2022 | 757 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $8,413.60 | 3.760% | $0.00 | 1.0 | None | N/A | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $1,054,276.17 | 88.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639242 | Non QM | Yes | No | $17,371.00 | $22,090.10 | 4.668% | $2,995.71 | $2,995.71 | 4.375% | No | No | Not Employed | US Citizen | $12,253.00 | 1 | $1,274.04 | 35.157% | 35.157% | 35.157% | 02/09/2022 | 793 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2022 [Borrower - | Non-Primary Income - Social Security]; Other - 2022 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2021 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2020 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2019 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Income Method of Calculation Other Income - Not to be used for qualifying QM Employment History - Current Employment Documentation lacks Date Info QM Points and Fees 2021 Social Security Documentation Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test Sole Proprietorship Income Documentation Test |
$17,371.00 | 3.620% | $0.00 | 1.5 | None | Yes | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $840,554.58 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639226 | Safe Harbor QM (APOR) | Yes | No | $10,639.50 | $13,704.59 | 4.538% | $3,023.17 | $3,023.17 | 4.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,546.80 | 1 | $1,518.96 | 36.073% | 36.073% | 36.073% | 02/01/2022 | 749 | No | Yes | 24 | Business | 100.000% | 51.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 51.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,639.50 | 3.760% | $0.00 | 1.6 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $28,374.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639228 | Non QM | Yes | No | $12,942.54 | $17,034.78 | 3.971% | $3,324.75 | $6,171.57 | 3.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $9,632.38 | 1 | $1,166.40 | 44.483% | 28.075% | 44.483% | 02/09/2022 | 773 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal |
$12,942.54 | 3.620% | $0.00 | 2.0 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | 240 | $29,621.86 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639238 | Non QM | Yes | No | $16,411.50 | $18,846.00 | 4.423% | $2,231.25 | $3,099.22 | 4.250% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $4,197.36 | 1 | $920.28 | 48.048% | 37.305% | 48.048% | 02/09/2022 | 765 | No | Yes | 12 | Business | 23.000% | 100.000% | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term Rental Income Documentation - 25% Method |
$16,411.50 | 3.280% | $0.00 | 1.0 | None | No | No | 4.250% | 2 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 360 | $145,798.68 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639241 | Non QM | Yes | No | $5,960.90 | $7,447.14 | 4.278% | $1,720.51 | $1,720.51 | 4.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $4,735.13 | 1 | $2,900.40 | 36.214% | 36.214% | 36.214% | 01/19/2022 | 796 | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2005 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2016 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$5,960.90 | 3.760% | $0.00 | 2.8 | None | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639244 | Non QM | Yes | No | $32,755.40 | $2,679.50 | 4.375% | $4,942.92 | $4,942.92 | 4.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $17,941.50 | 1 | $1,773.96 | 33.596% | 33.596% | 33.596% | 01/26/2022 | 752 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$32,755.40 | 3.620% | $30,000.00 | 2.2 | None | Yes | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $196,135.24 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639245 | N/A | Yes | No | $5,695.00 | $5,008.88 | 5.407% | $563.66 | $563.66 | 5.000% | No | No | Not Employed | Employed | 35.47 | US Citizen | $6,170.98 | 1 | $516.60 | 25.962% | 25.962% | 25.962% | 12/14/2021 | 822 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 2-Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | None | $5,695.00 | 3.960% | $0.00 | 3.4 | None | No | No | 5.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | $6,441.36 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639253 | N/A | Yes | No | $3,749.81 | $4,949.99 | 4.250% | $730.45 | $730.45 | 4.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,674.52 | 1 | $520.20 | 41.896% | 41.896% | 41.896% | 12/15/2021 | 750 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2019 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1040 - 2019 |
2 Years Tax Returns | 0 | 0 | 0 | None | $3,749.81 | 3.510% | $0.00 | 1.4 | None | N/A | No | 4.000% | 3 | 0 | 2 | 0 | 2 | 2 | 24.00 | No | $109,715.39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639255 | Safe Harbor QM (APOR) | Yes | No | $9,565.00 | $13,274.95 | 4.134% | $3,580.61 | $3,580.61 | 4.000% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $14,914.37 | 1 | $1,856.04 | 37.404% | 37.404% | 37.404% | 01/19/2022 | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $9,565.00 | 3.760% | $1,000.00 | 2.1 | None | No | No | 4.000% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $2,635,484.73 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639257 | Non QM | Yes | No | $24,059.50 | $27,145.72 | 4.456% | $3,261.88 | $5,703.15 | 4.250% | No | No | Employed | US Citizen | $17,640.57 | 1 | $1,046.04 | 28.065% | 18.110% | 28.065% | 02/15/2022 | 794 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; Transcripts (1040) - No Results Returned - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Employment History |
$24,059.50 | 3.760% | $0.00 | 1.4 | None | No | No | 4.250% | 0 | 2 | 0 | 3 | 2 | 0.00 | No | Other | 240 | $931,547.87 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639258 | N/A | Yes | No | $3,745.50 | $4,932.25 | 4.258% | $707.05 | $707.05 | 4.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $15,938.90 | 1 | $591.00 | 19.572% | 19.572% | 19.572% | 12/15/2021 | 750 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2019 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 |
2 Years Tax Returns | 0 | 0 | 0 | None | $3,745.50 | 3.510% | $0.00 | 1.0 | None | N/A | No | 4.000% | 3 | 0 | 2 | 0 | 2 | 2 | 24.00 | No | $109,715.39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639264 | N/A | Yes | No | $3,490.00 | $4,593.19 | 4.258% | $668.38 | $668.38 | 4.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $18,231.16 | 1 | $378.96 | 18.921% | 18.921% | 18.921% | 03/07/2022 | 771 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2019 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 |
[Borrower]; Transcripts (1040) - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2019 [Coborrower]; Transcripts (1040) - 2019 |
2 Years Tax Returns | 0 | 0 | 0 | None | $3,490.00 | 3.510% | $0.00 | 1.7 | None | N/A | No | 4.000% | 3 | 0 | 2 | 0 | 2 | 2 | 24.00 | No | $109,715.39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639265 | Non QM | Yes | No | $11,620.00 | $12,810.00 | 4.231% | $2,148.37 | $2,148.37 | 4.000% | No | No | Self-Employed | US Citizen | $43,006.61 | 1 | $6,453.96 | 8.115% | 8.115% | 8.115% | 12/31/2021 | 791 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $11,620.00 | 3.620% | $0.00 | 1.0 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639271 | Non QM | Yes | No | $27,358.50 | $28,686.66 | 3.918% | $3,656.25 | $6,936.79 | 3.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $62,485.48 | 1 | $2,526.00 | 14.272% | 9.772% | 14.272% | 02/18/2022 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$27,358.50 | 3.610% | $0.00 | 1.0 | None | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639216 | N/A | Yes | No | $1,377.43 | $1,377.43 | 4.250% | No | No | Permanent Resident Alien | 1 | $1,127.16 | 0.000% | 0.000% | 0.000% | 11/22/2021 | 801 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | $31,509.29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639217 | N/A | Yes | No | $993.72 | $993.72 | 4.250% | No | No | Permanent Resident Alien | 1 | $972.36 | 0.000% | 0.000% | 0.000% | 11/22/2021 | 801 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | $31,509.29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639223 | N/A | Yes | No | $2,844.93 | $2,844.93 | 3.875% | No | No | US Citizen | US Citizen | 1 | $696.00 | 0.000% | 0.000% | 0.000% | 12/01/2021 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | $146,356.21 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639224 | N/A | Yes | No | $2,762.64 | $2,762.64 | 3.875% | No | No | US Citizen | US Citizen | 1 | $1,002.00 | 0.000% | 0.000% | 0.000% | 01/07/2022 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | $102,449.35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639214 | N/A | Yes | No | $1,956.46 | $1,956.46 | 3.625% | No | No | Permanent Resident Alien | 1 | $603.96 | 0.000% | 0.000% | 0.000% | 12/08/2021 | 775 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | $301,222.29 | 46.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639225 | N/A | Yes | No | $2,762.64 | $2,762.64 | 3.875% | No | No | US Citizen | US Citizen | 1 | $960.12 | 0.000% | 0.000% | 0.000% | 12/01/2021 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 5.0 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | $146,356.21 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639227 | N/A | Yes | No | $1,453.95 | $1,453.95 | 4.125% | No | No | US Citizen | 2 | $2,504.04 | 0.000% | 0.000% | 0.000% | 02/15/2021 | 746 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.78 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639239 | N/A | Yes | No | $1,463.61 | $1,463.61 | 3.875% | No | No | US Citizen | US Citizen | 4 | $2,529.36 | 0.000% | 0.000% | 0.000% | 12/14/2021 | 742 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | $843,343.89 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639240 | N/A | Yes | No | $3,895.89 | $3,895.89 | 4.250% | No | No | 0 | US Citizen | Permanent Resident Alien | US Citizen | 4 | $3,672.36 | 0.000% | 0.000% | 0.000% | 01/14/2022 | 743 | 743 | 747 | 721 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.5 | 0.67 | 240 | $2,023,755.46 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639243 | N/A | Yes | No | $1,611.23 | $1,611.23 | 4.875% | No | No | 0 | US Citizen | 3 | $2,391.96 | 0.000% | 0.000% | 0.000% | 12/23/2021 | 722 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | $40,790.78 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639250 | N/A | Yes | No | $911.86 | $911.86 | 4.000% | No | No | Permanent Resident Alien | 2 | $1,848.96 | 0.000% | 0.000% | 0.000% | 03/03/2022 | 749 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.2 | 0.45 | $163,199.22 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639251 | N/A | Yes | No | $3,936.48 | $3,936.48 | 3.750% | No | No | US Citizen | US Citizen | 1 | $2,214.00 | 0.000% | 0.000% | 0.000% | 01/21/2022 | 744 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.3 | 0.77 | $281,585.87 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639252 | N/A | Yes | No | $1,614.17 | $1,614.17 | 4.000% | No | No | US Citizen | 1 | $468.00 | 0.000% | 0.000% | 0.000% | 01/11/2022 | 737 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.6 | Yes | No | 4.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.49 | 0.67 | 240 | $111,769.65 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639254 | N/A | Yes | No | $694.67 | $694.67 | 3.750% | No | No | US Citizen | 1 | $1,088.16 | 0.000% | 0.000% | 0.000% | 01/06/2022 | 755 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 3.3 | Yes | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.45 | 0.41 | $99,912.53 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639256 | N/A | Yes | No | $1,489.87 | $1,489.87 | 4.375% | No | No | US Citizen | 1 | $725.04 | 0.000% | 0.000% | 0.000% | 12/30/2021 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $434,326.18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639268 | N/A | Yes | No | $2,114.12 | $2,114.12 | 3.750% | No | No | Permanent Resident Alien | Permanent Resident Alien | 1 | $828.96 | 0.000% | 0.000% | 0.000% | 12/06/2021 | 773 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.8 | No | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.1 | 0.91 | $1,409,341.19 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639267 | N/A | Yes | No | $3,125.00 | $3,125.00 | 3.750% | No | No | US Citizen | US Citizen | 1 | $824.76 | 0.000% | 0.000% | 0.000% | 12/03/2021 | 777 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 3.750% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | 240 | $2,382,041.86 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639263 | Safe Harbor QM (APOR) | Yes | No | $7,120.21 | $13,952.17 | 4.270% | $1,369.14 | $1,369.14 | 3.875% | No | No | Self-Employed | US Citizen | $50,697.53 | 1 | $774.00 | 7.417% | 7.417% | 7.417% | 02/19/2022 | 785 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,120.21 | 3.960% | $2,000.00 | 2.7 | None | No | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $686,574.34 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639276 | Safe Harbor QM (APOR) | Yes | No | $13,945.56 | $8,457.10 | 5.007% | $2,809.78 | $2,809.78 | 4.875% | No | No | Employed | Not Employed | US Citizen | US Citizen | $13,015.50 | 1 | $984.60 | 31.259% | 31.259% | 31.259% | 02/22/2022 | 706 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 |
Other | 0 | 0 | 0 | None | $13,945.56 | 3.960% | $0.00 | 5.0 | None | No | No | 4.875% | 2 | 0 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | $177,709.79 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639270 | Non QM | Yes | No | $6,721.20 | $8,339.91 | 4.824% | $798.86 | $798.86 | 4.375% | No | No | Self-Employed | US Citizen | $8,084.63 | 1 | $2,369.76 | 24.906% | 24.906% | 24.906% | 02/04/2022 | 700 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$6,721.20 | 3.760% | $0.00 | 1.0 | None | N/A | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639272 | Safe Harbor QM (APOR) | Yes | No | $16,463.20 | $18,339.20 | 4.688% | $3,952.15 | $3,952.15 | 4.500% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,970.68 | 1 | $2,151.00 | 45.790% | 45.790% | 45.790% | 01/25/2022 | 805 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 10.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $16,463.20 | 3.990% | $0.00 | 1.0 | None | No | No | 4.500% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $103,000.00 | 11.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639234 | Safe Harbor QM (APOR) | Yes | No | $3,463.75 | $5,921.20 | 4.104% | $607.84 | $607.84 | 3.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,527.25 | 1 | $968.40 | 21.442% | 21.442% | 21.442% | 02/18/2022 | 756 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $3,463.75 | 3.510% | $0.00 | 1.0 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $115,599.57 | 66.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639229 | Non QM | Yes | No | $14,564.68 | $16,045.86 | 4.549% | $2,270.30 | $2,270.30 | 4.250% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,784.67 | 1 | $1,152.96 | 48.300% | 48.300% | 48.300% | 01/12/2022 | 733 | No | Yes | 48 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2010 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$14,564.68 | 3.610% | $0.00 | 4.0 | None | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $76,473.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639219 | Safe Harbor QM (APOR) | Yes | No | $8,495.00 | $9,422.10 | 3.981% | $3,291.66 | $3,291.66 | 3.875% | No | No | Self-Employed | US Citizen | $9,364.62 | 1 | $1,085.16 | 37.461% | 37.461% | 37.461% | 12/27/2021 | 794 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2019 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,495.00 | 3.280% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $104,156.18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820778 | N/A | Yes | No | $8,072.65 | $4,942.42 | 6.129% | $1,042.59 | $1,042.59 | 5.875% | No | No | Self-Employed | Non-Permanent Resident Alien | $17,493.50 | 1 | $1,091.04 | 26.818% | 26.818% | 26.818% | 02/15/2022 | 739 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,072.65 | 3.960% | $0.00 | 3.9 | None | No | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $10,000.00 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639231 | Safe Harbor QM (APOR) | Yes | No | $6,520.00 | $7,690.52 | 3.814% | $1,527.77 | $1,527.77 | 3.625% | No | No | Self-Employed | US Citizen | $8,330.10 | 1 | $4,382.04 | 34.785% | 34.785% | 34.785% | 01/24/2022 | 741 | No | Yes | 48 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,520.00 | 3.620% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639232 | Safe Harbor QM (APOR) | Yes | No | $5,125.00 | $6,043.01 | 4.800% | $1,542.42 | $1,542.42 | 4.625% | No | No | Self-Employed | US Citizen | $31,937.44 | 1 | $909.00 | 18.376% | 18.376% | 18.376% | 01/27/2022 | 695 | No | Yes | 24 | Business | 97.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,125.00 | 3.610% | $0.00 | 1.0 | None | No | No | 4.625% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | Not Stated | $569.54 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639274 | Safe Harbor QM (APOR) | Yes | No | $15,553.25 | $18,133.97 | 3.948% | $3,357.59 | $3,357.59 | 3.750% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $9,513.38 | 1 | $7,705.80 | 44.694% | 44.694% | 44.694% | 01/31/2022 | 757 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $15,553.25 | 3.760% | $0.00 | 2.9 | None | No | No | 3.750% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | Not Stated | $2,191,783.40 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639262 | Safe Harbor QM (APOR) | Yes | No | $15,442.15 | $19,516.61 | 4.113% | $6,182.53 | $6,182.53 | 4.000% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $140,256.50 | 1 | $6,431.04 | 12.561% | 12.561% | 12.561% | 01/18/2022 | 771 | No | Yes | 24 | Business | 100.000% | 89.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 89.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 89.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 89.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 89.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $15,442.15 | 3.620% | $0.00 | 1.0 | None | Yes | No | 4.000% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | Not Stated | $865,510.29 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639269 | Safe Harbor QM (APOR) | Yes | No | $8,530.00 | $10,158.33 | 4.426% | $2,307.20 | $2,307.20 | 4.250% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,418.56 | 1 | $2,055.96 | 40.744% | 40.744% | 40.744% | 03/08/2022 | 787 | No | Yes | 24 | Business | 100.000% | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,530.00 | 3.620% | $0.00 | 2.6 | None | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | Not Stated | $20,023.96 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639275 | Safe Harbor QM (APOR) | Yes | No | $5,950.00 | $7,993.28 | 4.154% | $1,814.18 | $1,814.18 | 4.000% | No | No | Self-Employed | US Citizen | $3,966.97 | 1 | $1,788.96 | 48.936% | 48.936% | 48.936% | 12/28/2021 | 768 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,950.00 | 3.990% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639248 | Safe Harbor QM (APOR) | Yes | No | $37,939.60 | $21,057.73 | 4.218% | $7,415.14 | $7,415.14 | 4.125% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $61,032.36 | 1 | $18,285.96 | 23.710% | 23.710% | 23.710% | 02/09/2022 | 734 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $37,939.60 | 3.760% | $0.00 | 1.4 | None | Yes | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $106,805.43 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639260 | Safe Harbor QM (APOR) | Yes | No | $37,249.50 | $42,436.02 | 3.522% | $9,505.07 | $9,505.07 | 3.375% | No | No | Self-Employed | US Citizen | $56,688.07 | 1 | $5,384.04 | 21.613% | 21.613% | 21.613% | 02/03/2022 | 771 | No | Yes | 24 | Business | 100.000% | 33.330% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.33% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $37,249.50 | 3.610% | $0.00 | 2.6 | None | No | No | 3.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $572,222.04 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639230 | Safe Harbor QM (APOR) | Yes | No | $24,968.80 | $30,420.22 | 4.306% | $6,869.91 | $6,869.91 | 4.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,186.76 | 1 | $2,286.96 | 48.978% | 48.978% | 48.978% | 01/25/2022 | 779 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | None | $24,968.80 | 3.620% | $0.00 | 3.2 | None | No | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 13.20 | No | Not Stated | $495,018.05 | 25.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639259 | Safe Harbor QM (APOR) | Yes | No | $11,335.55 | $12,583.43 | 3.443% | $2,152.10 | $2,152.10 | 3.250% | No | No | Self-Employed | US Citizen | $18,595.18 | 1 | $1,530.00 | 17.690% | 17.690% | 17.690% | 02/24/2022 | 774 | No | Yes | 24 | Business | 100.000% | 35.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 35.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,335.55 | 3.100% | $0.00 | 1.4 | None | No | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $2,332.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639249 | Safe Harbor QM (APOR) | Yes | No | $36,495.00 | $42,321.96 | 4.307% | $8,481.37 | $8,481.37 | 4.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $74,110.15 | 1 | $2,052.72 | 14.711% | 14.711% | 14.711% | 02/03/2022 | 680 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | None | $36,495.00 | 3.610% | $0.00 | 2.6 | None | No | No | 4.125% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639247 | Safe Harbor QM (APOR) | Yes | No | $30,095.00 | $40,043.00 | 3.844% | $13,245.11 | $13,245.11 | 3.750% | No | No | Self-Employed | US Citizen | $145,996.79 | 1 | $6,742.92 | 14.694% | 14.694% | 14.694% | 12/21/2021 | 691 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2018 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $30,095.00 | 3.610% | $0.00 | 1.0 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639246 | Safe Harbor QM (APOR) | Yes | No | $46,300.00 | $38,858.47 | 3.586% | $13,412.96 | $13,412.96 | 3.500% | No | No | Self-Employed | US Citizen | $28,154.09 | 1 | $8,103.00 | 47.404% | 47.404% | 47.404% | 12/09/2021 | 762 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $46,300.00 | 3.100% | $0.00 | 2.8 | None | No | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $1,084,885.06 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639266 | Non QM | Yes | No | $9,848.80 | $11,104.95 | 4.149% | $1,700.00 | $3,090.50 | 4.000% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $11,169.55 | 1 | $1,529.04 | 26.248% | 17.066% | 26.248% | 01/24/2022 | 786 | Yes | No | [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2021 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2019 [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2022 [Borrower - | Non-Primary Income - Pension]; Paystubs - 2022 [Borrower - | Non-Primary Income - Pension]; Account Statements - 2021 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2020 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2019 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2021 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2021 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-T - 2021 [Coborrower]; 4506-T - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; 4506-T - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$9,848.80 | 3.760% | $0.00 | 2.4 | None | No | No | 4.000% | 0 | 0 | 1 | 0 | 3 | 0 | 0.00 | No | Other | 240 | $311,186.36 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639261 | Safe Harbor QM (APOR) | Yes | No | $20,199.25 | $12,521.26 | 3.746% | $3,488.79 | $3,488.79 | 3.625% | No | No | Self-Employed | US Citizen | $17,144.62 | 1 | $2,094.96 | 33.161% | 33.161% | 33.161% | 12/21/2021 | 720 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | None | $20,199.25 | 3.610% | $0.00 | 1.6 | None | Yes | No | 3.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $16,690.40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639233 | Non QM | Yes | No | $11,738.75 | $12,141.79 | 4.024% | $1,725.11 | $1,725.11 | 3.750% | No | No | Self-Employed | US Citizen | $19,728.10 | 1 | $5,549.04 | 47.748% | 47.748% | 47.748% | 10/28/2021 | 727 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$11,738.75 | 3.510% | $0.00 | 1.0 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $211,171.42 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639273 | Safe Harbor QM (APOR) | Yes | No | $32,186.77 | $37,342.26 | 3.726% | $5,846.96 | $5,846.96 | 3.500% | No | No | Self-Employed | US Citizen | $11,010.03 | 1 | $1,820.04 | 49.190% | 49.190% | 49.190% | 01/25/2022 | 804 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $32,186.77 | 3.610% | $0.00 | 2.6 | None | Yes | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $564,304.35 | 35.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639220 | Safe Harbor QM (APOR) | Yes | No | $6,823.00 | $13,880.48 | 3.625% | $1,305.62 | $1,305.62 | 3.250% | No | No | Not Employed | US Citizen | $3,619.41 | 1 | $1,650.00 | 37.510% | 37.510% | 37.510% | 12/08/2021 | 752 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $6,823.00 | 3.510% | $0.00 | 1.0 | None | No | No | 3.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $697,222.94 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639218 | Safe Harbor QM (APOR) | Yes | No | $14,195.00 | $8,087.77 | 3.974% | $2,986.01 | $2,986.01 | 3.875% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $11,826.75 | 1 | $801.96 | 49.265% | 49.265% | 49.265% | 01/11/2022 | 725 | No | Yes | 24 | Business | 49.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2020 [Coborrower(s) - | Primary Income - Wages]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,195.00 | 3.280% | $0.00 | 1.0 | None | Yes | No | 3.875% | 0 | 2 | 0 | 0 | 3 | 2 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639288 | Non QM | Yes | No | $21,691.00 | $24,249.48 | 5.060% | $3,443.92 | $3,443.92 | 4.750% | No | No | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | $4,740.13 | 1 | $2,348.04 | 48.402% | 48.402% | 48.402% | 12/22/2021 | 747 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2019 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2019 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; Transcripts (1040) - No Results Returned - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Part-Time Two Year History QM DTI QM Points and Fees 2021 |
$21,691.00 | 3.610% | $0.00 | 1.0 | None | Yes | No | 4.750% | 2 | 2 | 0 | 0 | 4 | 1 | 0.00 | No | $529,516.73 | 58.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639280 | Safe Harbor QM (APOR) | Yes | No | $37,255.00 | $44,624.91 | 3.911% | $9,262.31 | $9,262.31 | 3.750% | No | No | Self-Employed | US Citizen | $72,597.88 | 1 | $2,391.96 | 27.402% | 27.402% | 27.402% | 02/18/2022 | 745 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $37,255.00 | 3.610% | $0.00 | 1.9 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $290,000.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639301 | Safe Harbor QM (APOR) | Yes | No | $16,629.72 | $20,147.56 | 4.017% | $2,897.53 | $2,897.53 | 3.750% | No | No | Self-Employed | Permanent Resident Alien | $5,723.69 | 1 | $699.12 | 43.645% | 43.645% | 43.645% | 02/16/2022 | 756 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; Transcripts (1040) - 2022 [Borrower]; Transcripts (1040) - No Results Returned - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $16,629.72 | 3.760% | $80,000.00 | 1.0 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 1 | 0.00 | No | Not Stated | $316,419.91 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639282 | Safe Harbor QM (APOR) | Yes | No | $11,287.00 | $11,563.68 | 3.689% | $2,290.13 | $2,290.13 | 3.500% | No | No | Self-Employed | US Citizen | $4,742.86 | 1 | $950.04 | 49.371% | 49.371% | 49.371% | 03/08/2022 | 770 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,287.00 | 3.620% | $0.00 | 1.2 | None | No | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639298 | Safe Harbor QM (APOR) | Yes | No | $30,861.40 | $31,836.74 | 4.106% | $5,360.70 | $5,360.70 | 3.875% | No | No | Self-Employed | US Citizen | $10,368.47 | 1 | $6,155.04 | 49.773% | 49.773% | 49.773% | 01/31/2022 | 686 | No | Yes | 24 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $30,861.40 | 3.960% | $0.00 | 3.0 | None | No | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639284 | Safe Harbor QM (APOR) | Yes | No | $5,570.00 | $6,570.80 | 4.500% | $1,008.48 | $1,008.48 | 4.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $11,828.09 | 1 | $2,142.96 | 18.325% | 18.325% | 18.325% | 02/02/2022 | 685 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | None | $5,570.00 | 3.610% | $0.00 | 1.0 | None | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639283 | Safe Harbor QM (APOR) | Yes | No | $10,854.00 | $13,186.00 | 4.309% | $2,591.91 | $2,591.91 | 4.125% | No | No | Self-Employed | US Citizen | $14,685.91 | 1 | $1,589.04 | 23.175% | 23.175% | 23.175% | 02/16/2022 | 774 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,854.00 | 4.230% | $0.00 | 1.0 | DU | ApproveEligible | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639303 | Safe Harbor QM (APOR) | Yes | No | $15,114.60 | $20,038.82 | 4.155% | $5,144.15 | $5,144.15 | 4.000% | No | No | Self-Employed | US Citizen | $23,742.51 | 1 | $1,871.04 | 25.397% | 25.397% | 25.397% | 01/21/2022 | 814 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $15,114.60 | 3.760% | $1,800.00 | 1.0 | None | N/A | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $463,977.56 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639302 | Safe Harbor QM (APOR) | Yes | Yes | $6,415.00 | $7,117.91 | 4.524% | $2,017.11 | $2,017.11 | 4.375% | No | No | Employed | Employed | US Citizen | US Citizen | $12,376.87 | 1 | $1,611.96 | 46.212% | 46.212% | 46.212% | 03/01/2022 | 806 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Child Support]; Deposit Receipt - 2022 [Coborrower(s) - | Non-Primary Income - Child Support]; Child Support Order - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1040 - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $6,415.00 | 3.960% | $1,500.00 | 2.1 | DU | ApproveEligible | No | No | 4.375% | 2 | 3 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | $330,218.09 | 65.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639299 | Safe Harbor QM (APOR) | Yes | No | $17,857.50 | $19,733.49 | 4.383% | $6,055.78 | $6,055.78 | 4.250% | No | No | Self-Employed | US Citizen | $44,520.27 | 1 | $4,577.04 | 48.752% | 48.752% | 48.752% | 01/26/2022 | 766 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,857.50 | 3.760% | $0.00 | 1.5 | None | N/A | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $65,576.02 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639297 | Safe Harbor QM (APOR) | Yes | No | $16,495.00 | $18,684.59 | 4.532% | $4,992.85 | $4,992.85 | 4.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,803.21 | 1 | $1,991.04 | 48.976% | 48.976% | 48.976% | 02/09/2022 | 722 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $16,495.00 | 3.610% | $0.00 | 5.0 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $31,189.12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639278 | Safe Harbor QM (APOR) | Yes | No | $15,475.16 | $18,766.05 | 4.392% | $2,636.49 | $2,636.49 | 4.125% | No | No | Self-Employed | US Citizen | $10,026.12 | 1 | $1,356.00 | 31.154% | 31.154% | 31.154% | 01/11/2022 | 741 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $15,475.16 | 3.280% | $0.00 | 1.0 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $89,201.78 | 13.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639281 | Safe Harbor QM (APOR) | Yes | No | $14,245.00 | $14,620.00 | 4.630% | $5,066.85 | $5,066.85 | 4.500% | No | No | Self-Employed | US Citizen | $22,318.93 | 1 | $5,954.64 | 26.754% | 26.754% | 26.754% | 01/26/2022 | 735 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,245.00 | 3.610% | $0.00 | 1.0 | None | Yes | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $55,249.32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639300 | Safe Harbor QM (APOR) | Yes | No | $21,250.75 | $23,220.85 | 4.228% | $8,990.25 | $8,990.25 | 4.125% | No | No | Self-Employed | US Citizen | $37,241.89 | 1 | $6,026.04 | 23.040% | 23.040% | 23.040% | 02/07/2022 | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,250.75 | 3.760% | $0.00 | 4.0 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $97,157.15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639305 | Safe Harbor QM (APOR) | Yes | No | $3,088.80 | $4,345.05 | 4.791% | $658.69 | $658.69 | 4.500% | No | No | Not Employed | US Citizen | $5,556.98 | 1 | $479.04 | 19.481% | 19.481% | 19.481% | 01/28/2022 | 788 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2022 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $3,088.80 | 3.610% | $0.00 | 1.0 | None | Yes | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $351,105.57 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639296 | Safe Harbor QM (APOR) | Yes | No | $12,496.00 | $15,597.26 | 4.722% | $2,987.16 | $2,987.16 | 4.500% | No | No | Self-Employed | US Citizen | $4,685.79 | 1 | $1,032.96 | 49.435% | 49.435% | 49.435% | 03/07/2022 | 796 | No | Yes | 24 | Business | 70.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2021 [Borrower - | Non-Primary Income - Wages]; W-2 - 2021 [Borrower - | Non-Primary Income - Wages]; Paystubs - 2020 [Borrower - | Non-Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,496.00 | 3.920% | $21,300.00 | 2.4 | DU | ApproveEligible | No | No | 4.500% | 2 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $450,237.35 | 50.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639304 | Safe Harbor QM (APOR) | Yes | No | $20,802.50 | $7,059.64 | 5.068% | $4,836.82 | $4,836.82 | 5.000% | No | No | Employed | Employed | US Citizen | US Citizen | $19,352.14 | 1 | $1,767.96 | 43.992% | 43.992% | 43.992% | 03/01/2022 | 773 | No | No | [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2021 [Borrower - | Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1040 - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Transcripts (1040) - 2019 [Coborrower]; 1040 - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $20,802.50 | 3.960% | $0.00 | 2.2 | None | Yes | No | 5.000% | 2 | 2 | 2 | 0 | 3 | 2 | 0.00 | No | Not Stated | $524,149.28 | 52.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639286 | N/A | Yes | No | $2,623.70 | $2,623.70 | 3.875% | No | No | US Citizen | 1 | $717.12 | 0.000% | 0.000% | 0.000% | 03/02/2022 | 752 | No | No | Other | 0 | 0 | 0 | Yes | $0.00 | 1.3 | Yes | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.83 | 240 | $100,347.48 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639279 | N/A | Yes | No | $4,702.37 | $4,702.37 | 3.875% | No | No | US Citizen | 1 | $1,440.96 | 0.000% | 0.000% | 0.000% | 01/27/2022 | 736 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | $186,554.29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639294 | N/A | Yes | No | $4,270.83 | $4,270.83 | 5.125% | No | No | US Citizen | US Citizen | 1 | $1,860.12 | 0.000% | 0.000% | 0.000% | 02/03/2022 | 747 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.5 | Yes | No | 5.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.7 | 1.43 | 240 | $552,049.57 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639277 | N/A | Yes | No | $1,198.37 | $1,198.37 | 4.250% | No | No | US Citizen | 1 | $968.04 | 0.000% | 0.000% | 0.000% | 01/31/2022 | 752 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.41 | 0.71 | $659,277.28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639311 | Safe Harbor QM (APOR) | Yes | No | $5,790.00 | $7,420.20 | 4.092% | $2,764.23 | $2,764.23 | 4.000% | No | No | Self-Employed | US Citizen | $6,892.14 | 1 | $2,327.16 | 47.318% | 47.318% | 47.318% | 02/14/2022 | 764 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,790.00 | 3.760% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639312 | Safe Harbor QM (APOR) | Yes | No | $24,522.40 | $27,035.00 | 3.959% | $4,584.84 | $4,584.84 | 3.750% | No | No | Not Employed | US Citizen | $21,185.11 | 1 | $1,722.96 | 22.743% | 22.743% | 22.743% | 02/01/2022 | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $24,522.40 | 3.760% | $0.00 | 1.2 | None | Yes | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $672,720.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639306 | Non QM | Yes | No | $18,291.19 | $20,887.99 | 4.311% | $2,579.84 | $4,597.47 | 4.125% | No | No | Not Employed | US Citizen | $9,247.01 | 1 | $1,580.04 | 38.506% | 25.089% | 38.506% | 03/08/2022 | 791 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$18,291.19 | 3.610% | $0.00 | 1.0 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | 240 | $624,760.34 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639313 | Safe Harbor QM (APOR) | Yes | No | $16,320.00 | $22,407.50 | 5.095% | $4,318.34 | $4,318.34 | 4.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,395.83 | 1 | $1,505.16 | 40.254% | 40.254% | 40.254% | 02/11/2022 | 762 | No | Yes | 24 | Business | 79.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2021 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $16,320.00 | 3.960% | $205,621.75 | 1.4 | None | No | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $187,989.06 | 18.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639310 | N/A | Yes | No | $76,370.00 | $12,306.16 | 4.570% | $2,496.43 | $2,496.43 | 4.375% | No | No | Not Employed | Self-Employed | 16.27 | US Citizen | $41,784.47 | 1 | $785.76 | 29.369% | 29.369% | 29.369% | 02/24/2022 | 785 | Level 1-Not Stated/Not Verified | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - No Results Returned - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2019 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | None | $76,370.00 | 3.830% | $0.00 | 2.1 | None | N/A | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820779 | Non QM | Yes | No | $4,695.00 | $701.17 | 4.891% | $846.73 | $846.73 | 4.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,115.75 | 1 | $1,287.00 | 47.229% | 47.229% | 47.229% | 712 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$4,695.00 | 3.920% | $9,504.09 | 1.0 | None | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $8,201.10 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639309 | Non QM | Yes | No | $10,157.50 | $11,879.11 | 4.479% | $1,115.62 | $1,549.61 | 4.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $2,924.35 | 1 | $1,855.92 | 44.236% | 35.961% | 44.236% | 01/24/2022 | 766 | No | Yes | 12 | Business | 56.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Social Security]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Coborrower(s) - | Primary Income - Social Security]; 1099-SSA - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term QM Points and Fees 2021 |
$10,157.50 | 3.960% | $0.00 | 1.0 | None | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 360 | $7,243.01 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639285 | Safe Harbor QM (APOR) | Yes | No | $12,429.71 | $14,244.09 | 4.324% | $7,374.18 | $7,374.18 | 4.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $32,281.82 | 1 | $1,541.04 | 48.128% | 48.128% | 48.128% | 01/21/2022 | 763 | No | Yes | 24 | Business | 100.000% | 73.240% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 73.24% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 73.24% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 73.24% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 73.24% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 73.24% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,429.71 | 3.610% | $0.00 | 3.2 | None | No | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $135,130.53 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639317 | Non QM | Yes | No | $15,655.23 | $17,044.19 | 4.023% | $2,533.28 | $4,702.40 | 3.875% | No | No | Self-Employed | US Citizen | $11,011.95 | 1 | $1,537.44 | 35.768% | 23.116% | 35.768% | 01/24/2022 | 766 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$15,655.23 | 3.610% | $0.00 | 2.6 | None | N/A | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 240 | $537,421.36 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639314 | Safe Harbor QM (APOR) | Yes | No | $7,475.00 | $12,019.30 | 4.452% | $1,449.10 | $1,449.10 | 4.125% | No | No | Self-Employed | US Citizen | $18,156.46 | 1 | $1,151.04 | 23.216% | 23.216% | 23.216% | 03/08/2022 | 700 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,475.00 | 3.760% | $0.00 | 1.5 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639308 | Safe Harbor QM (APOR) | Yes | No | $10,495.00 | $13,395.00 | 4.857% | $4,694.83 | $4,694.83 | 4.750% | No | No | Employed | Not Employed | US Citizen | US Citizen | $17,985.05 | 1 | $1,332.00 | 38.246% | 38.246% | 38.246% | 03/08/2022 | 742 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2019 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2019 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2020 [Borrower - | Non-Primary Income - Sole Proprietor]; 1099 - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
1 Year Tax Returns | 0 | 0 | 0 | None | $10,495.00 | 3.830% | $0.00 | 1.0 | None | N/A | No | 4.750% | 2 | 0 | 1 | 0 | 4 | 1 | 0.00 | No | Not Stated | $68,060.72 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639316 | Non QM | Yes | No | $19,495.00 | $22,784.00 | 4.332% | $6,375.00 | $11,146.22 | 4.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,833.18 | 1 | $2,750.04 | 46.644% | 31.521% | 46.644% | 04/01/2022 | 743 | No | Yes | 24 | Personal | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - | Primary Income - Disability]; Award Letter / Continuance Letter - 2020 [Coborrower(s) - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$19,495.00 | 3.620% | $0.00 | 2.5 | None | No | No | 4.250% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | 240 | $152,308.73 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639315 | N/A | Yes | No | $28,432.50 | $10,730.94 | 4.463% | $4,493.57 | $4,493.57 | 4.375% | No | No | Self-Employed | US Citizen | $29,023.76 | 4 | $1,528.56 | 24.232% | 24.232% | 24.232% | 03/02/2022 | 793 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $28,432.50 | 3.960% | $0.00 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639307 | N/A | Yes | No | $3,689.55 | $3,689.55 | 4.250% | No | No | US Citizen | 1 | $1,959.00 | 0.000% | 0.000% | 0.000% | 03/16/2022 | 764 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.04 | 0.96 | $1,189,944.66 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639325 | Safe Harbor QM (APOR) | Yes | No | $6,135.35 | $7,013.30 | 4.072% | $1,387.20 | $1,387.20 | 3.875% | No | No | Self-Employed | US Citizen | $1,908.73 | 1 | $1,458.00 | 48.612% | 48.612% | 48.612% | 03/10/2022 | 704 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | None | $6,135.35 | 3.510% | $0.00 | 3.5 | None | N/A | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639289 | N/A | Yes | No | $9,223.45 | $10,706.73 | 4.329% | $945.18 | $945.18 | 3.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,879.97 | 2 | $1,341.00 | 20.653% | 20.653% | 20.653% | 01/31/2022 | 767 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,223.45 | 3.610% | $0.00 | None | No | No | 3.875% | 0 | 0 | 0 | 0 | 4 | 0 | 24 | 0.00 | No | $25,453.83 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639324 | Non QM | Yes | No | $36,672.35 | $23,533.19 | 4.230% | $4,034.16 | $4,034.16 | 4.000% | No | No | Self-Employed | US Citizen | $16,549.48 | 1 | $1,684.20 | 34.617% | 34.617% | 34.617% | 02/23/2022 | 785 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$36,672.35 | 4.790% | $0.00 | 2.6 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $198,760.72 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639290 | Non QM | Yes | No | $4,495.00 | $4,900.42 | 4.529% | $737.91 | $737.91 | 4.250% | No | No | Self-Employed | US Citizen | $1,983.21 | 1 | $1,050.36 | 44.304% | 44.304% | 44.304% | 02/09/2022 | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$4,495.00 | 3.960% | $0.00 | 1.0 | None | No | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639293 | Non QM | Yes | No | $7,694.94 | $8,567.32 | 4.294% | $1,142.22 | $1,142.22 | 4.000% | No | No | Self-Employed | US Citizen | $3,047.47 | 1 | $2,776.20 | 33.521% | 33.521% | 33.521% | 12/27/2021 | 764 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2021 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,694.94 | 3.620% | $0.00 | 3.7 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $7,070.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639295 | Safe Harbor QM (APOR) | Yes | No | $9,792.25 | $12,891.25 | 4.418% | $2,721.17 | $2,721.17 | 4.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $29,787.44 | 1 | $2,594.04 | 20.369% | 20.369% | 20.369% | 02/25/2022 | 809 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | None | $9,792.25 | 3.960% | $0.00 | 2.6 | None | Yes | No | 4.250% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $318,069.13 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639292 | Safe Harbor QM (APOR) | Yes | No | $33,463.75 | $48,553.40 | 4.577% | $6,290.68 | $6,290.68 | 4.250% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $10,898.67 | 1 | $5,355.96 | 42.578% | 42.578% | 42.578% | 01/21/2022 | 763 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2018 |
Bank Statements | 0 | 0 | 0 | None | $33,463.75 | 3.610% | $35,000.00 | 2.6 | None | N/A | No | 4.250% | 0 | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | Not Stated | $210,059.06 | 12.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639319 | Safe Harbor QM (APOR) | Yes | No | $11,195.00 | $17,792.01 | 4.555% | $2,385.91 | $2,385.91 | 4.250% | No | No | Self-Employed | US Citizen | $17,628.26 | 2 | $1,431.00 | 20.202% | 20.202% | 20.202% | 02/23/2022 | 725 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,195.00 | 3.960% | $0.00 | None | No | No | 4.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639330 | Non QM | Yes | No | $29,343.70 | $12,740.78 | 4.748% | $4,473.01 | $4,473.01 | 4.625% | No | No | Self-Employed | US Citizen | $10,276.13 | 1 | $1,362.96 | 35.056% | 35.056% | 35.056% | 03/04/2022 | 801 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$29,343.70 | 3.830% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639322 | Safe Harbor QM (APOR) | Yes | No | $18,312.50 | $22,191.26 | 4.917% | $5,659.87 | $5,659.87 | 4.750% | No | No | Self-Employed | US Citizen | $26,471.47 | 1 | $1,068.96 | 28.599% | 28.599% | 28.599% | 03/07/2022 | 805 | No | Yes | 24 | Business | 100.000% | 33.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 33.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $18,312.50 | 3.920% | $0.00 | 1.0 | None | Yes | No | 4.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $270,744.66 | 17.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639331 | Safe Harbor QM (APOR) | Yes | No | $5,095.00 | $6,769.32 | 5.207% | $952.57 | $952.57 | 4.875% | No | No | Self-Employed | US Citizen | $2,459.76 | 2 | $1,411.32 | 46.839% | 46.839% | 46.839% | 03/03/2022 | 756 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,095.00 | 3.960% | $0.00 | None | No | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $14,799.91 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639323 | Safe Harbor QM (APOR) | Yes | No | $23,395.00 | $26,005.03 | 4.191% | $5,227.70 | $5,227.70 | 4.000% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $10,781.72 | 1 | $1,614.96 | 49.448% | 49.448% | 49.448% | 02/16/2022 | 731 | No | Yes | 49 | Business | 100.000% | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | None | $23,395.00 | 3.760% | $0.00 | 1.0 | None | No | No | 4.000% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $23,431.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639329 | Safe Harbor QM (APOR) | Yes | Yes | $1,945.00 | $4,008.43 | 4.665% | $3,084.84 | $3,084.84 | 4.625% | No | No | Not Employed | US Citizen | $6,935.27 | 1 | $1,984.20 | 44.803% | 44.803% | 44.803% | 01/21/2022 | 786 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $1,945.00 | 3.830% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | Not Stated | $1,513,336.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639320 | Safe Harbor QM (APOR) | Yes | No | $21,877.40 | $23,625.77 | 4.575% | $4,793.14 | $4,793.14 | 4.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $7,498.31 | 1 | $2,062.32 | 43.424% | 43.424% | 43.424% | 04/07/2022 | 783 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,877.40 | 3.760% | $0.00 | 1.0 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $220,831.74 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639318 | Safe Harbor QM (APOR) | Yes | No | $5,495.00 | $6,907.96 | 4.407% | $969.30 | $969.30 | 4.125% | No | No | Self-Employed | US Citizen | $1,185.82 | 1 | $901.08 | 49.670% | 49.670% | 49.670% | 02/08/2022 | 718 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,495.00 | 3.760% | $0.00 | 1.0 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $1,113.67 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639321 | Safe Harbor QM (APOR) | Yes | No | $10,500.00 | $11,927.16 | 3.859% | $3,848.49 | $3,848.49 | 3.750% | No | No | Self-Employed | US Citizen | $8,507.05 | 1 | $3,825.96 | 39.563% | 39.563% | 39.563% | 02/11/2022 | 774 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,500.00 | 3.610% | $0.00 | 1.0 | None | No | No | 3.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $88,207.28 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639328 | Safe Harbor QM (APOR) | Yes | No | $3,822.14 | $4,493.34 | 3.615% | $1,371.83 | $1,371.83 | 3.500% | No | No | Self-Employed | US Citizen | $9,726.23 | 1 | $849.12 | 18.716% | 18.716% | 18.716% | 01/24/2022 | 723 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $3,822.14 | 3.620% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 3.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $253,789.53 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639327 | Higher Priced QM (APOR) | Yes | Yes | $1,642.32 | $2,080.80 | 5.427% | $1,839.30 | $1,839.30 | 5.375% | No | No | Employed | US Citizen | $38,703.82 | 1 | $1,224.00 | 7.109% | 7.109% | 7.109% | 03/16/2022 | 781 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $1,642.32 | 3.920% | $0.00 | 2.0 | DU | ApproveEligible | N/A | No | 5.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | $166,207.47 | 46.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639332 | Safe Harbor QM (APOR) | Yes | Yes | $6,500.00 | $7,798.98 | 5.637% | $2,847.46 | $2,847.46 | 5.500% | No | No | Employed | Permanent Resident Alien | $5,978.02 | 1 | $1,409.04 | 46.128% | 46.128% | 46.128% | 02/27/2022 | 781 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | None | $6,500.00 | 4.490% | $0.00 | 1.0 | DU | ApproveEligible | N/A | No | 5.500% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | $11,855.25 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639326 | N/A | Yes | No | $2,221.82 | $2,221.82 | 4.375% | No | No | US Citizen | 1 | $1,353.96 | 0.000% | 0.000% | 0.000% | 02/15/2022 | 720 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | $307,626.20 | 44.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639291 | N/A | Yes | No | $4,310.94 | $4,310.94 | 3.875% | No | No | US Citizen | 2 | $706.20 | 0.000% | 0.000% | 0.000% | 03/02/2022 | 752 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 3.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.54 | 0.65 | 240 | $140,486.47 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639287 | N/A | Yes | No | $2,027.10 | $2,027.10 | 4.375% | No | No | Non-Permanent Resident Alien | 1 | $2,489.64 | 0.000% | 0.000% | 0.000% | 01/20/2022 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.94 | 1.07 | $31,000.00 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639335 | N/A | Yes | No | $1,978.28 | $1,978.28 | 4.125% | No | No | US Citizen | 2 | $934.20 | 0.000% | 0.000% | 0.000% | 03/02/2022 | 752 | No | No | Other | 0 | 0 | 0 | Yes | $0.00 | N/A | No | 4.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | 240 | $147,617.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639339 | Safe Harbor QM (APOR) | Yes | No | $9,745.00 | $15,569.92 | 5.091% | $2,910.65 | $2,910.65 | 4.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,010.03 | 1 | $2,220.12 | 22.226% | 22.226% | 22.226% | 04/01/2022 | 793 | No | Yes | 24 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,745.00 | 4.790% | $0.00 | 2.0 | DU | ApproveEligible | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $535,313.60 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820780 | Non QM | Yes | No | $76,644.50 | $77,955.72 | 5.145% | $13,693.26 | $13,693.26 | 4.875% | No | No | Self-Employed | US Citizen | $96,487.25 | 3 | $6,179.76 | 19.594% | 19.594% | 19.594% | 03/30/2022 | 776 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$76,644.50 | 3.920% | $0.00 | None | No | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $85,700.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639337 | Safe Harbor QM (APOR) | Yes | No | $14,450.00 | $15,274.67 | 5.044% | $4,233.67 | $4,233.67 | 4.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $8,825.98 | 1 | $2,904.00 | 39.030% | 39.030% | 39.030% | 03/14/2022 | 753 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,450.00 | 4.740% | $0.00 | 2.6 | DU | ApproveEligible | No | No | 4.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $349,677.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639341 | Safe Harbor QM (APOR) | Yes | No | $14,110.00 | $14,385.01 | 4.163% | $3,580.61 | $3,580.61 | 4.000% | No | No | Not Employed | US Citizen | $5,334.62 | 1 | $3,176.04 | 47.941% | 47.941% | 47.941% | 04/14/2022 | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $14,110.00 | 3.960% | $0.00 | 3.5 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | No | $1,271,071.81 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639338 | Safe Harbor QM (APOR) | Yes | No | $15,595.00 | $23,007.80 | 4.805% | $4,832.91 | $4,832.91 | 4.625% | No | No | Self-Employed | US Citizen | $24,286.19 | 1 | $2,016.96 | 30.591% | 30.591% | 30.591% | 03/07/2022 | 755 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $15,595.00 | 3.830% | $0.00 | 3.6 | None | No | No | 4.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $42,000.00 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639333 | Safe Harbor QM (APOR) | Yes | No | $12,995.00 | $15,891.05 | 4.528% | $3,744.64 | $3,744.64 | 4.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $39,529.25 | 1 | $2,824.68 | 17.079% | 17.079% | 17.079% | 02/28/2022 | 759 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 37.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,995.00 | 3.830% | $0.00 | 4.2 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | $892,803.37 | 71.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639340 | Safe Harbor QM (APOR) | Yes | No | $21,650.20 | $33,174.64 | 4.255% | $5,275.44 | $5,275.44 | 4.000% | No | No | Self-Employed | US Citizen | $34,233.34 | 1 | $5,624.88 | 29.183% | 29.183% | 29.183% | 03/21/2022 | 732 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,650.20 | 3.610% | $0.00 | 2.6 | None | No | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639334 | Safe Harbor QM (APOR) | Yes | No | $13,725.40 | $16,073.40 | 4.318% | $3,024.21 | $3,024.21 | 4.125% | No | No | Not Employed | US Citizen | $6,790.68 | 1 | $644.76 | 39.913% | 39.913% | 39.913% | 04/21/2022 | 802 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $13,725.40 | 3.610% | $0.00 | 1.9 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | No | $406,849.47 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639336 | Safe Harbor QM (APOR) | Yes | No | $5,870.00 | $6,650.20 | 5.044% | $1,852.23 | $1,852.23 | 4.875% | No | No | Self-Employed | US Citizen | $10,914.79 | 1 | $972.96 | 17.301% | 17.301% | 17.301% | 03/08/2022 | 823 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,870.00 | 4.230% | $0.00 | 1.0 | None | Yes | No | 4.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639343 | Safe Harbor QM (APOR) | Yes | No | $10,101.88 | $17,413.88 | 4.766% | $2,614.50 | $2,614.50 | 4.500% | No | No | Self-Employed | US Citizen | $6,680.96 | 1 | $744.00 | 35.048% | 35.048% | 35.048% | 02/16/2022 | 765 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $10,101.88 | 3.960% | $0.00 | 1.0 | None | No | No | 4.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639342 | Safe Harbor QM (APOR) | Yes | No | $17,032.50 | $17,739.10 | 3.995% | $5,845.05 | $5,845.05 | 3.875% | No | No | Self-Employed | US Citizen | $15,275.99 | 1 | $1,863.12 | 38.896% | 38.896% | 38.896% | 02/18/2022 | 775 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,032.50 | 3.960% | $0.00 | 2.6 | None | Yes | No | 3.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $345,097.67 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639350 | Safe Harbor QM (APOR) | Yes | No | $56,821.50 | $62,306.96 | 4.621% | $10,110.53 | $10,110.53 | 4.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $85,699.17 | 1 | $7,659.60 | 24.349% | 24.349% | 24.349% | 04/29/2022 | 785 | No | Yes | 48 | Business | 100.000% | 100.000% | 10.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $56,821.50 | 3.830% | $0.00 | 1.0 | None | N/A | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639351 | Safe Harbor QM (APOR) | Yes | No | $11,718.24 | $13,921.41 | 6.093% | $3,099.66 | $3,099.66 | 5.875% | No | No | Self-Employed | US Citizen | $28,742.75 | 1 | $9,414.60 | 32.265% | 32.265% | 32.265% | 04/11/2022 | 756 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,718.24 | 4.790% | $0.00 | 2.9 | DU | ApproveEligible | No | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $189,021.55 | 29.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639355 | Safe Harbor QM (APOR) | Yes | No | $14,635.00 | $16,584.50 | 4.557% | $3,594.85 | $3,594.85 | 4.375% | No | No | Self-Employed | US Citizen | $12,936.68 | 1 | $1,380.96 | 44.234% | 44.234% | 44.234% | 03/01/2022 | 708 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | None | $14,635.00 | 3.960% | $0.00 | 2.6 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $64,203.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639352 | Safe Harbor QM (APOR) | Yes | No | $19,316.08 | $24,964.98 | 4.477% | $8,522.80 | $8,522.80 | 4.375% | No | No | Self-Employed | US Citizen | $19,777.96 | 1 | $3,365.04 | 40.163% | 40.163% | 40.163% | 03/08/2022 | 688 | No | Yes | 120 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2002 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $19,316.08 | 3.830% | $0.00 | 2.5 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820783 | Non QM | Yes | No | $10,789.35 | $12,294.65 | 7.085% | $1,579.01 | $1,579.01 | 6.625% | No | No | Self-Employed | US Citizen | $4,818.03 | 1 | $1,782.96 | 44.912% | 44.912% | 44.912% | 03/30/2022 | 742 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$10,789.35 | 4.790% | $5,000.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $58,792.53 | 21.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639345 | Non QM | Yes | No | $19,811.54 | $22,472.06 | 4.535% | $2,157.90 | $2,157.90 | 4.125% | No | No | Self-Employed | US Citizen | $74,585.15 | 1 | $619.32 | 4.626% | 4.626% | 4.626% | 03/08/2022 | 790 | No | Yes | 12 | Business | 100.000% | 95.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 95.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$19,811.54 | 5.170% | $0.00 | 3.9 | None | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $315,578.16 | 46.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639354 | Safe Harbor QM (APOR) | Yes | No | $4,405.66 | $5,871.20 | 4.843% | $1,079.69 | $1,079.69 | 4.625% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $3,947.86 | 1 | $1,418.88 | 42.091% | 42.091% | 42.091% | 05/04/2022 | 776 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $4,405.66 | 5.170% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 4.625% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | 120 | Not Stated | $1,807,166.95 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639346 | Safe Harbor QM (APOR) | Yes | No | $9,708.38 | $11,802.17 | 4.307% | $2,389.32 | $2,389.32 | 4.125% | No | No | Self-Employed | US Citizen | $9,943.77 | 1 | $1,055.88 | 27.227% | 27.227% | 27.227% | 02/10/2022 | 757 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2001 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,708.38 | 3.760% | $0.00 | 2.3 | DU | ApproveEligible | No | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $0.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639353 | Safe Harbor QM (APOR) | Yes | No | $21,964.00 | $28,255.22 | 4.949% | $5,738.12 | $5,738.12 | 4.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $67,648.82 | 1 | $1,335.00 | 19.936% | 19.936% | 19.936% | 04/11/2022 | 786 | No | Yes | 24 | Business | 100.000% | 60.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 60.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,964.00 | 4.790% | $0.00 | 1.7 | None | No | No | 4.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $333,799.95 | 13.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639349 | Safe Harbor QM (APOR) | Yes | No | $58,076.20 | $64,173.32 | 4.625% | $10,125.51 | $10,125.51 | 4.375% | No | No | Self-Employed | US Citizen | $14,136.74 | 1 | $1,943.04 | 49.005% | 49.005% | 49.005% | 02/25/2022 | 791 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $58,076.20 | 5.170% | $0.00 | 1.9 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639347 | N/A | Yes | No | $2,419.72 | $2,419.72 | 4.200% | No | No | US Citizen | 1 | $639.96 | 0.000% | 0.000% | 0.000% | 02/09/2022 | 788 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 4.200% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.92 | $75,440.45 | 11.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639348 | N/A | Yes | No | $4,734.92 | $4,734.92 | 4.250% | No | No | US Citizen | 4 | $1,831.56 | 0.000% | 0.000% | 0.000% | 02/15/2022 | 727 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 4.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.71 | $340,159.44 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820784 | N/A | Yes | No | $4,000.00 | $4,000.00 | 6.000% | No | No | US Citizen | US Citizen | 1 | $3,651.96 | 0.000% | 0.000% | 0.000% | 03/22/2022 | 707 | No | No | Other | 0 | 0 | 0 | No | $0.00 | Yes | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | 240 | $950,312.46 | 64.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820785 | N/A | Yes | No | $1,652.08 | $1,652.08 | 7.625% | No | No | US Citizen | 1 | $1,300.92 | 0.000% | 0.000% | 0.000% | 04/15/2022 | 684 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | 240 | $25,851.43 | 8.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639344 | Non QM | Yes | No | $27,863.55 | $15,673.62 | 4.581% | $2,920.82 | $2,920.82 | 4.375% | No | No | Self-Employed | US Citizen | $3,909.33 | 1 | $1,298.04 | 48.780% | 48.780% | 48.780% | 02/15/2022 | 766 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$27,863.55 | 3.990% | $0.00 | 1.0 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820786 | N/A | Yes | No | $4,108.85 | $4,108.85 | 6.125% | No | No | 0 | US Citizen | 2 | $1,098.00 | 0.000% | 0.000% | 0.000% | 03/25/2022 | 730 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.26 | 0.79 | 240 | $173,237.35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639361 | Safe Harbor QM (APOR) | Yes | No | $12,742.00 | $19,899.87 | 4.383% | $10,656.87 | $10,656.87 | 4.312% | No | No | Self-Employed | US Citizen | $60,915.27 | 1 | $5,759.16 | 32.006% | 32.006% | 32.006% | 12/21/2021 | 745 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $12,742.00 | 3.610% | $0.00 | 2.8 | None | No | No | 4.312% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820788 | Non QM | Yes | No | $11,844.84 | $14,437.65 | 7.195% | $2,541.72 | $2,541.72 | 6.875% | No | No | Self-Employed | US Citizen | $11,215.50 | 1 | $1,814.76 | 35.118% | 35.118% | 35.118% | 04/25/2022 | 733 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,844.84 | 5.180% | $500.00 | 2.5 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $52,148.57 | 12.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639356 | N/A | Yes | No | $26,803.73 | $20,662.42 | 4.822% | $1,989.65 | $1,989.65 | 4.375% | No | No | Self-Employed | US Citizen | $5,565.29 | 1 | $1,233.00 | 44.696% | 44.696% | 44.696% | 05/04/2022 | 768 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $26,803.73 | 3.920% | $0.00 | 1.0 | None | Yes | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $0.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639357 | N/A | Yes | No | $28,042.18 | $21,578.58 | 4.820% | $2,087.01 | $2,087.01 | 4.375% | No | No | Self-Employed | US Citizen | $8,876.96 | 1 | $1,580.04 | 49.884% | 49.884% | 49.884% | 05/04/2022 | 768 | No | Yes | 25 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $28,042.18 | 3.920% | $0.00 | 1.0 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639360 | Safe Harbor QM (APOR) | Yes | No | $11,177.50 | $15,147.96 | 4.745% | $9,515.62 | $9,515.62 | 4.687% | No | No | Self-Employed | US Citizen | $58,544.74 | 1 | $623.04 | 21.940% | 21.940% | 21.940% | 12/21/2021 | 745 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $11,177.50 | 3.510% | $0.00 | 3.4 | None | Yes | No | 4.687% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820781 | Non QM | Yes | No | $26,659.50 | $29,774.88 | 4.885% | $2,424.13 | $2,424.13 | 4.375% | No | No | Self-Employed | US Citizen | $5,811.23 | 1 | $1,032.00 | 41.075% | 41.075% | 41.075% | 02/08/2022 | 676 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$26,659.50 | 3.760% | $0.00 | 2.6 | None | No | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $101,361.14 | 17.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639358 | N/A | Yes | No | $28,994.83 | $22,283.29 | 4.819% | $2,161.91 | $2,161.91 | 4.375% | No | No | Self-Employed | US Citizen | $5,664.82 | 1 | $1,725.96 | 44.034% | 44.034% | 44.034% | 05/04/2022 | 768 | No | Yes | 12 | Business | 100.000% | 55.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 55.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $28,994.83 | 3.920% | $0.00 | 1.0 | None | Yes | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639359 | Safe Harbor QM (APOR) | Yes | No | $14,259.18 | $15,897.62 | 4.627% | $2,636.73 | $2,636.73 | 4.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,002.79 | 1 | $3,176.40 | 47.611% | 47.611% | 47.611% | 05/10/2022 | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,259.18 | 4.490% | $0.00 | 1.0 | None | No | No | 4.375% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $25,315.74 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820787 | Non QM | Yes | No | $74,748.70 | $75,479.64 | 5.645% | $9,691.17 | $9,691.17 | 5.250% | No | No | Self-Employed | US Citizen | $12,774.42 | 2 | $2,619.60 | 44.707% | 44.707% | 44.707% | 05/03/2022 | 755 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 Rental Income Documentation - Boarder Income Ineligible Test |
$74,748.70 | 4.230% | $0.00 | None | No | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820791 | Non QM | Yes | No | $8,782.50 | $15,773.46 | 5.901% | $1,483.92 | $1,483.92 | 5.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $51,290.50 | 1 | $3,509.04 | 10.963% | 10.963% | 10.963% | 04/28/2022 | 744 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$8,782.50 | 5.170% | $0.00 | 1.0 | None | No | No | 5.375% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820792 | Non QM | Yes | No | $11,214.19 | $13,107.44 | 7.338% | $2,335.21 | $2,335.21 | 7.000% | No | No | Self-Employed | US Citizen | $9,556.21 | 1 | $1,235.04 | 40.942% | 40.942% | 40.942% | 05/02/2022 | 655 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,214.19 | 5.350% | $0.00 | 1.1 | None | No | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820790 | Non QM | Yes | No | $12,055.00 | $14,636.48 | 6.831% | $2,427.14 | $2,427.14 | 6.500% | No | No | Self-Employed | US Citizen | $6,116.29 | 1 | $1,256.04 | 40.213% | 40.213% | 40.213% | 04/07/2022 | 711 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$12,055.00 | 4.740% | $2,000.00 | 2.6 | None | N/A | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $164,831.63 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820794 | N/A | Yes | No | $2,182.96 | $2,182.96 | 7.250% | No | No | 0 | Permanent Resident Alien | 4 | $2,094.96 | 0.000% | 0.000% | 0.000% | 04/08/2022 | 753 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | $154,752.06 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820793 | Non QM | Yes | No | $12,045.20 | $14,663.35 | 5.708% | $3,298.80 | $3,298.80 | 5.500% | No | No | Not Employed | Employed | 3.01 | US Citizen | $19,494.89 | 1 | $7,308.72 | 37.904% | 37.904% | 37.904% | 04/07/2022 | 771 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 |
Other | 0 | 0 | 0 | None | $12,045.20 | 4.740% | $0.00 | 2.5 | None | Yes | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $715,345.74 | 86.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820799 | N/A | Yes | No | $26,738.25 | $17,689.30 | 6.295% | $3,147.64 | $3,147.64 | 6.000% | No | No | Employed | US Citizen | $7,819.43 | 2 | $1,385.04 | 43.610% | 43.610% | 43.610% | 03/31/2022 | 746 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; Tax Return Extension - 2021 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $26,738.25 | 4.490% | $0.00 | None | No | No | 6.000% | 0 | 1 | 0 | 3 | 0 | 0.00 | No | $107,129.12 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820798 | N/A | Yes | No | $8,108.68 | $11,135.34 | 5.624% | $2,099.47 | $2,099.47 | 5.375% | No | No | Not Employed | Employed | 3.79 | US Citizen | $9,582.44 | 1 | $867.00 | 16.482% | 16.482% | 16.482% | 05/02/2022 | 793 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1040 - 2019 |
2 Years Tax Returns | 0 | 0 | 0 | None | $8,108.68 | 5.170% | $0.00 | 1.8 | None | Yes | No | 5.375% | 0 | 2 | 0 | 3 | 0 | 0.00 | No | $184,959.04 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820789 | Non QM | Yes | No | $10,647.53 | $12,152.29 | 6.298% | $2,090.93 | $2,090.93 | 6.000% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,066.71 | 1 | $4,166.04 | 47.259% | 47.259% | 47.259% | 04/18/2022 | 707 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$10,647.53 | 5.180% | $0.00 | 1.5 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $1,163,550.79 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820796 | Safe Harbor QM (APOR) | Yes | No | $35,102.22 | $52,916.70 | 6.877% | $8,157.47 | $8,157.47 | 6.500% | No | No | Self-Employed | US Citizen | $57,147.02 | 1 | $7,099.92 | 15.756% | 15.756% | 15.756% | 04/14/2022 | 753 | No | Yes | 12 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $35,102.22 | 5.380% | $0.00 | 1.0 | None | No | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $315,083.61 | 21.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820797 | Higher Priced QM (APOR) | Yes | No | $18,595.00 | $24,833.00 | 6.856% | $11,674.77 | $11,674.77 | 6.750% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,265.58 | 1 | $8,292.00 | 42.915% | 42.915% | 42.915% | 05/05/2022 | 735 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $18,595.00 | 5.180% | $37,500.00 | 2.6 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $25,500.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820800 | Safe Harbor QM (APOR) | Yes | No | $7,700.00 | $10,237.33 | 5.868% | $3,822.40 | $3,822.40 | 5.750% | No | No | Self-Employed | Permanent Resident Alien | $25,531.09 | 1 | $14,022.48 | 33.687% | 33.687% | 33.687% | 05/23/2022 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,700.00 | 5.330% | $0.00 | 1.9 | None | N/A | No | 5.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820795 | Non QM | Yes | No | $13,636.56 | $15,585.78 | 4.509% | $1,619.70 | $1,619.70 | 4.125% | No | No | Self-Employed | US Citizen | $5,141.77 | 1 | $1,190.04 | 47.947% | 47.947% | 47.947% | 05/04/2022 | 727 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$13,636.56 | 3.990% | $0.00 | 1.0 | None | N/A | No | 4.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $15,578.94 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820801 | Non QM | Yes | No | $4,925.58 | $5,779.90 | 7.794% | $931.38 | $931.38 | 7.375% | No | No | Not Employed | US Citizen | $9,686.31 | 1 | $1,506.96 | 18.637% | 18.637% | 18.637% | 05/04/2022 | 733 | No | Yes | 12 | Business | 100.000% | [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,925.58 | 5.350% | $0.00 | 3.2 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $27,744.47 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820802 | Higher Priced QM (APOR) | Yes | No | $12,364.04 | $14,432.66 | 6.868% | $7,238.35 | $7,238.35 | 6.750% | No | No | Self-Employed | US Citizen | $13,064.70 | 1 | $3,987.00 | 41.419% | 41.419% | 41.419% | 03/29/2022 | 804 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,364.04 | 5.350% | $34,500.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | $121,123.83 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820804 | Non QM | Yes | No | $38,068.00 | $40,024.79 | 5.273% | $4,445.35 | $4,445.35 | 4.875% | No | No | Employed | US Citizen | $9,493.04 | 1 | $3,697.44 | 44.443% | 44.443% | 44.443% | 03/08/2022 | 687 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 [Borrower - | Non-Primary Income - Annuity]; Account Statements - 2022 [Borrower - | Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2020 |
[Borrower]; Tax Return Extension - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 |
$38,068.00 | 5.170% | $0.00 | 2.2 | None | N/A | No | 4.875% | 1 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | $0.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820811 | Non QM | Yes | No | $37,808.66 | $40,106.98 | 5.804% | $4,731.76 | $4,731.76 | 5.375% | No | No | Self-Employed | US Citizen | $43,569.48 | 1 | $1,146.00 | 15.338% | 15.338% | 15.338% | 04/22/2022 | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$37,808.66 | 5.170% | $0.00 | 1.4 | None | No | No | 5.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $511,792.62 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820805 | Non QM | Yes | No | $4,947.80 | $5,566.40 | 7.126% | $690.90 | $690.90 | 6.625% | No | No | Self-Employed | US Citizen | $2,478.17 | 1 | $722.04 | 34.475% | 34.475% | 34.475% | 05/20/2022 | 707 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,947.80 | 5.380% | $0.00 | 4.0 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $85,834.42 | 64.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820810 | N/A | Yes | No | $2,887.50 | 6.858% | $689.78 | $689.78 | 6.875% | No | No | Self-Employed | US Citizen | $3,667.67 | 1 | $1,270.68 | 48.898% | 48.898% | 48.898% | 04/26/2022 | 731 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | $2,887.50 | 5.310% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $78,299.22 | 56.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820812 | Non QM | Yes | No | $31,798.50 | $33,444.87 | 5.765% | $4,750.63 | $7,129.95 | 5.500% | No | No | Self-Employed | US Citizen | $13,307.89 | 1 | $5,586.00 | 47.681% | 38.327% | 47.681% | 04/15/2022 | 801 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$31,798.50 | 4.790% | $0.00 | 1.2 | None | Yes | No | 5.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | $23,626.73 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820813 | N/A | Yes | No | $62,109.37 | 6.237% | $12,237.38 | $12,237.38 | 6.250% | No | No | Not Employed | Self-Employed | 9.92 | US Citizen | $119,091.39 | 1 | $7,544.28 | 31.222% | 31.222% | 31.222% | 04/29/2022 | 756 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 24 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | $62,109.37 | 5.180% | $0.00 | 2.4 | None | N/A | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $200,000.00 | 8.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820815 | Non QM | Yes | No | $4,015.00 | $5,021.69 | 6.136% | $700.29 | $700.29 | 5.750% | No | No | Not Employed | US Citizen | $2,051.78 | 1 | $1,036.20 | 36.520% | 36.520% | 36.520% | 05/06/2022 | 812 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-T - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-T - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,015.00 | 5.180% | $200.00 | 2.6 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | $1,593,184.75 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820816 | Non QM | Yes | No | $10,075.00 | $11,364.61 | 6.669% | $2,142.37 | $2,142.37 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $8,352.48 | 1 | $552.96 | 33.223% | 33.223% | 33.223% | 05/13/2022 | 722 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$10,075.00 | 5.350% | $0.00 | 1.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $12,517.44 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820803 | N/A | Yes | No | $42,123.75 | 5.860% | $10,603.31 | $10,603.31 | 5.875% | No | No | Not Employed | Self-Employed | 6.75 | US Citizen | $105,536.29 | 1 | $4,986.60 | 35.884% | 35.884% | 35.884% | 04/04/2022 | 774 | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | $42,123.75 | 4.740% | $0.00 | 3.0 | None | No | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $1,612,451.10 | 67.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820817 | N/A | Yes | No | $15,600.00 | 6.363% | $3,244.12 | $3,244.12 | 6.375% | No | No | Not Employed | Self-Employed | Self-Employed | 9.48 | 9.48 | US Citizen | US Citizen | $14,639.89 | 1 | $3,195.00 | 49.542% | 49.542% | 49.542% | 05/10/2022 | 730 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 2-Stated/Not Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 |
Other | 0 | 0 | 0 | $15,600.00 | 5.160% | $0.00 | 1.1 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $65,000.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820807 | N/A | Yes | No | $936.70 | $936.70 | 4.875% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $0.00 | 0.000% | 0.000% | 0.000% | 06/03/2022 | 750 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.6 | Yes | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.37 | 0.73 | $207,032.71 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820808 | N/A | Yes | No | $936.70 | $936.70 | 4.875% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $109.92 | 0.000% | 0.000% | 0.000% | 06/03/2022 | 750 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.3 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.39 | 0.72 | $39,609.60 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820806 | N/A | Yes | No | $3,860.94 | $3,860.94 | 4.500% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $9,852.00 | 0.000% | 0.000% | 0.000% | 06/03/2022 | 750 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.7 | N/A | No | 4.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.98 | 1.02 | $80,773.14 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820809 | N/A | Yes | No | $936.70 | $936.70 | 4.875% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $0.00 | 0.000% | 0.000% | 0.000% | 06/03/2022 | 750 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.4 | N/A | No | 4.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.4 | 0.72 | $232,115.23 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820818 | N/A | Yes | No | $1,551.99 | $1,551.99 | 6.875% | No | No | 0 | US Citizen | 1 | $1,356.00 | 0.000% | 0.000% | 0.000% | 04/04/2022 | 731 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.2 | 0.84 | $361,483.08 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820819 | Non QM | Yes | No | $10,255.38 | $10,516.02 | 7.614% | $1,995.37 | $1,995.37 | 7.250% | No | No | Self-Employed | US Citizen | $3,334.19 | 1 | $888.96 | 49.237% | 49.237% | 49.237% | 04/15/2022 | 673 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$10,255.38 | 5.380% | $0.00 | 3.6 | None | No | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | $85,020.21 | 26.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820820 | Non QM | Yes | No | $83,214.00 | $65,773.72 | 5.653% | $8,510.42 | $12,936.08 | 5.375% | No | No | Self-Employed | US Citizen | $37,325.94 | 1 | $4,100.04 | 33.360% | 25.458% | 33.360% | 04/20/2022 | 766 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2002 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$83,214.00 | 5.160% | $0.00 | 1.0 | None | No | No | 5.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | $891,880.44 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820822 | Safe Harbor QM (APOR) | Yes | No | $6,964.67 | $11,281.09 | 6.269% | $3,530.22 | $3,530.22 | 6.125% | No | No | Self-Employed | US Citizen | $17,922.05 | 1 | $1,865.04 | 33.361% | 33.361% | 33.361% | 05/11/2022 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,964.67 | 5.380% | $0.00 | 1.0 | None | N/A | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | $316,232.42 | 41.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820825 | Non QM | Yes | No | $32,995.00 | $36,270.93 | 7.440% | $9,515.62 | $10,744.28 | 7.250% | No | No | Self-Employed | US Citizen | $12,094.78 | 1 | $3,158.04 | 49.481% | 44.349% | 49.481% | 06/23/2022 | 773 | No | Yes | 12 | Business | 100.000% | 34.820% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.82% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.82% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.82% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.82% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 34.82% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM Deferment of Principal QM DTI QM Loan Term |
$32,995.00 | 5.330% | $0.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 360 | $175,000.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820821 | N/A | Yes | No | $0.00 | 6.743% | $2,383.60 | $2,383.60 | 6.750% | No | No | Self-Employed | US Citizen | $42,779.15 | 1 | $2,324.04 | 19.259% | 19.259% | 19.259% | 05/06/2022 | 706 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | 5.180% | $0.00 | 3.0 | None | N/A | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $15,329.20 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820823 | N/A | Yes | No | $4,125.00 | 6.868% | $859.38 | $859.38 | 6.875% | No | No | Employed | US Citizen | $2,449.15 | 1 | $721.80 | 47.368% | 47.368% | 53.650% | 04/21/2022 | 711 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2019 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2017 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2016 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2021 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2020 |
[Borrower]; Tax Return Extension - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - No Results Returned - 2021 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - No Results Returned - 2019 [Borrower]; Transcripts (1040) - No Results Returned - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | $4,125.00 | 5.070% | $0.00 | 1.0 | None | N/A | No | 6.875% | 5 | 1 | 0 | 3 | 1 | 0.00 | No | 240 | $8,251.79 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820824 | N/A | Yes | No | $2,421.70 | $2,421.70 | 7.000% | No | No | US Citizen | 1 | $2,874.00 | 0.000% | 0.000% | 0.000% | 04/27/2022 | 794 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.5 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.76 | 1.31 | $291,103.76 | 52.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639365 | Exempt from ATR | Yes | No | $16,077.50 | $18,060.63 | 7.614% | $4,869.26 | $4,869.26 | 7.375% | No | No | Self-Employed | US Citizen | $41,645.69 | 1 | $1,848.96 | 20.604% | 20.604% | 20.604% | 04/26/2022 | 726 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,077.50 | 5.350% | $47,945.94 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $244,134.82 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639364 | Exempt from ATR | Yes | No | $6,900.00 | $8,574.38 | 7.848% | $1,243.22 | $1,243.22 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $5,493.84 | 1 | $0.00 | 27.554% | 27.554% | 27.554% | 04/06/2022 | 705 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,900.00 | 3.960% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | $84,307.53 | 35.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639371 | Exempt from ATR | Yes | No | $25,743.75 | $31,650.62 | 7.892% | $11,867.19 | $11,867.19 | 7.750% | No | No | Employed | US Citizen | $21,187.11 | 1 | $1,322.04 | 44.122% | 44.122% | 52.608% | 02/24/2022 | 728 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $25,743.75 | 5.170% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | $602,999.92 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639369 | Exempt from ATR | Yes | No | $12,508.75 | $16,420.16 | 6.904% | $3,121.52 | $3,121.52 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $10,317.18 | 1 | $2,237.04 | 32.598% | 32.598% | 32.598% | 03/29/2022 | 737 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,508.75 | 5.380% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $92,896.33 | 14.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639366 | Exempt from ATR | Yes | No | $12,570.00 | $15,881.25 | 6.938% | $13,795.51 | $13,795.51 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $52,582.81 | 1 | $1,500.00 | 28.510% | 28.510% | 28.510% | 03/24/2022 | 725 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,570.00 | 4.490% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 15.00 | No | $148,290.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639363 | Exempt from ATR | Yes | No | $10,445.00 | $0.00 | 6.716% | $3,405.14 | $3,405.14 | 6.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $10,731.03 | 1 | $2,117.04 | 41.682% | 41.682% | 41.682% | 04/25/2022 | 732 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,445.00 | 5.170% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $365,277.96 | 49.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639368 | Exempt from ATR | Yes | No | $10,352.50 | $11,744.69 | 6.913% | $4,572.62 | $4,572.62 | 6.750% | No | No | Self-Employed | US Citizen | $9,198.43 | 2 | $1,035.96 | 36.345% | 36.345% | 36.345% | 04/27/2022 | 777 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,352.50 | 5.380% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $305,760.92 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639367 | Exempt from ATR | Yes | No | $11,493.75 | $13,633.97 | 7.665% | $3,367.04 | $3,367.04 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $6,092.78 | 1 | $767.04 | 45.109% | 45.109% | 45.109% | 05/11/2022 | 728 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,493.75 | 5.380% | $500.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 13.90 | No | $254,651.16 | 39.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639372 | Exempt from ATR | Yes | No | $13,525.00 | $17,596.67 | 7.283% | $3,725.69 | $3,725.69 | 7.000% | No | No | Self-Employed | Not Employed | Permanent Resident Alien | US Citizen | $8,384.39 | 1 | $1,368.96 | 36.565% | 36.565% | 36.565% | 05/05/2022 | 791 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,525.00 | 5.180% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $21,000.00 | 3.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639370 | Exempt from ATR | Yes | No | $6,881.25 | $8,930.00 | 5.106% | $1,493.26 | $1,493.26 | 12.500% | No | No | Self-Employed | US Citizen | $2,782.99 | 1 | $824.04 | 41.705% | 60.937% | 41.705% | 05/24/2022 | 708 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
Other | 0 | 0 | 0 | None | $6,881.25 | 4.600% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $144,558.67 | 46.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639374 | N/A | Yes | No | $3,368.59 | $3,368.59 | 7.125% | No | No | US Citizen | 1 | $819.96 | 0.000% | 0.000% | 0.000% | 05/05/2022 | 789 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.82 | $1,641.69 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639373 | N/A | Yes | No | $1,807.77 | $1,807.77 | 7.250% | No | No | 0 | US Citizen | 1 | $1,578.96 | 0.000% | 0.000% | 0.000% | 02/25/2022 | 738 | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639376 | N/A | Yes | No | $3,096.60 | $3,096.60 | 7.625% | No | No | 0 | US Citizen | 2 | $3,076.80 | 0.000% | 0.000% | 0.000% | 04/18/2022 | 740 | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | $30,527.63 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639375 | N/A | Yes | No | $792.73 | $792.73 | 7.625% | No | No | US Citizen | 1 | $1,489.92 | 0.000% | 0.000% | 0.000% | 04/04/2022 | 709 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.22 | 0.82 | $44,257.13 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820826 | Safe Harbor QM (APOR) | Yes | No | $3,952.27 | $4,836.83 | 6.181% | $828.25 | $828.25 | 5.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $17,555.22 | 1 | $681.96 | 12.224% | 12.224% | 12.224% | 05/27/2022 | 812 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $3,952.27 | 5.330% | $6,018.00 | 1.0 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | $276,902.25 | 73.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820827 | Non QM | Yes | No | $30,701.80 | $12,898.05 | 8.953% | $5,381.03 | $5,381.03 | 8.750% | No | No | Self-Employed | US Citizen | $11,735.75 | 1 | $3,773.04 | 41.524% | 41.524% | 41.524% | 04/06/2022 | 681 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2000 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$30,701.80 | 5.170% | $0.00 | 1.1 | None | N/A | No | 8.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $32,852.39 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820828 | Non QM | Yes | No | $21,435.40 | $10,853.40 | 8.170% | $4,787.81 | $4,787.81 | 8.000% | No | No | Self-Employed | US Citizen | $15,196.87 | 1 | $1,640.16 | 29.860% | 29.860% | 29.860% | 05/25/2022 | 727 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$21,435.40 | 5.860% | $0.00 | 1.0 | DU | ApproveEligible | Yes | No | 8.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $115,643.51 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820814 | N/A | Yes | No | $1,523.44 | $1,523.44 | 7.500% | No | No | US Citizen | 1 | $264.96 | 0.000% | 0.000% | 0.000% | 06/10/2022 | 794 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.78 | 0.56 | 240 | $264,710.40 | 81.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820830 | Higher Priced QM (APOR) | Yes | No | $9,401.24 | $11,653.52 | 7.487% | $3,383.59 | $3,383.59 | 7.250% | No | No | Self-Employed | US Citizen | $7,312.69 | 1 | $887.04 | 44.373% | 44.373% | 44.373% | 05/19/2022 | 691 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,401.24 | 5.310% | $0.00 | 2.9 | None | N/A | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | $233,698.54 | 38.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820831 | Non QM | Yes | No | $13,694.00 | $15,613.66 | 6.070% | $2,661.09 | $2,661.09 | 5.750% | No | No | Self-Employed | US Citizen | $53,371.24 | 1 | $2,541.96 | 10.261% | 10.261% | 10.261% | 04/14/2022 | 792 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$13,694.00 | 5.070% | $0.00 | 1.0 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820832 | Safe Harbor QM (APOR) | Yes | No | $21,903.35 | $26,921.47 | 5.411% | $8,200.22 | $8,200.22 | 5.250% | No | No | Self-Employed | US Citizen | $16,684.28 | 1 | $10,713.96 | 39.881% | 39.881% | 39.881% | 06/03/2022 | 777 | No | Yes | 24 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2019 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,903.35 | 4.490% | $0.00 | 1.3 | None | Yes | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820833 | Higher Priced QM (APOR) | Yes | No | $9,916.12 | $13,289.38 | 7.421% | $5,280.04 | $5,280.04 | 7.250% | No | No | Self-Employed | Employed | Permanent Resident Alien | US Citizen | $7,288.15 | 1 | $1,302.00 | 47.594% | 47.594% | 47.594% | 05/27/2022 | 749 | No | Yes | 12 | Personal | 69.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Non-Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2021 [Coborrower(s) - | Non-Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,916.12 | 5.180% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | $103,298.14 | 12.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820834 | Higher Priced QM (APOR) | Yes | No | $8,153.85 | $8,859.35 | 7.163% | $2,003.63 | $2,003.63 | 6.875% | No | No | Self-Employed | US Citizen | $3,587.77 | 1 | $743.04 | 41.804% | 41.804% | 41.804% | 05/03/2022 | 655 | No | No | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $8,153.85 | 5.160% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820835 | N/A | Yes | No | $1,716.48 | $1,716.48 | 7.000% | No | No | US Citizen | 1 | $1,857.96 | 0.000% | 0.000% | 0.000% | 05/09/2022 | 728 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.1 | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.9 | 1.11 | $93,345.33 | 27.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820836 | Non QM | Yes | No | $15,900.64 | $17,519.82 | 6.943% | $3,483.29 | $3,483.29 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $9,325.42 | 1 | $1,746.00 | 38.066% | 38.066% | 38.066% | 05/19/2022 | 730 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$15,900.64 | 5.180% | $0.00 | 4.4 | None | Yes | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $174,234.30 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820838 | Non QM | Yes | No | $4,245.00 | $6,182.32 | 6.475% | $591.54 | $591.54 | 5.875% | No | No | Self-Employed | Permanent Resident Alien | $7,219.54 | 1 | $1,496.04 | 34.534% | 34.534% | 34.534% | 05/04/2022 | 762 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$4,245.00 | 5.380% | $4,399.02 | 1.0 | None | No | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $84,826.12 | 68.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820839 | Higher Priced QM (APOR) | Yes | No | $20,089.00 | $20,758.63 | 6.851% | $5,762.80 | $5,762.80 | 6.625% | No | No | Self-Employed | US Citizen | $25,443.45 | 1 | $5,655.96 | 30.720% | 30.720% | 30.720% | 05/16/2022 | 769 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $20,089.00 | 5.330% | $33,000.00 | 3.3 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $268,988.70 | 24.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820840 | Higher Priced QM (APOR) | Yes | No | $9,974.35 | $12,096.69 | 7.879% | $3,503.58 | $3,503.58 | 7.625% | No | No | Self-Employed | US Citizen | $7,671.76 | 1 | $1,422.96 | 45.874% | 45.874% | 45.874% | 05/05/2022 | 759 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,974.35 | 5.860% | $26,890.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $80,827.69 | 15.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820841 | Safe Harbor QM (APOR) | Yes | No | $7,967.20 | $10,282.06 | 6.464% | $2,832.30 | $2,832.30 | 6.250% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $8,371.84 | 1 | $891.36 | 39.703% | 39.703% | 39.703% | 05/27/2022 | 784 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $7,967.20 | 5.860% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $1,396,947.65 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820851 | Non QM | Yes | No | $8,476.90 | $10,738.67 | 8.384% | $1,871.10 | $1,871.10 | 8.000% | No | No | Self-Employed | US Citizen | $25,112.38 | 1 | $986.64 | 11.467% | 11.467% | 11.467% | 06/16/2022 | 695 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$8,476.90 | 5.310% | $0.00 | 4.0 | None | No | No | 8.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $6,595.25 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820852 | Non QM | Yes | No | $15,017.50 | $19,012.47 | 6.864% | $2,844.31 | $2,844.31 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,352.32 | 1 | $1,425.12 | 40.653% | 40.653% | 40.653% | 05/13/2022 | 777 | No | Yes | 48 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2021 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$15,017.50 | 5.380% | $0.00 | 1.0 | None | Yes | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $132,046.16 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820854 | Non QM | Yes | No | $9,907.00 | $9,960.00 | 5.554% | $1,656.61 | $1,656.61 | 5.250% | No | No | Self-Employed | US Citizen | $4,212.08 | 1 | $3,946.44 | 49.719% | 49.719% | 49.719% | 04/06/2022 | 775 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$9,907.00 | 5.070% | $0.00 | 1.0 | None | Yes | No | 5.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820855 | Non QM | Yes | No | $14,404.38 | $8,010.33 | 7.447% | $4,195.85 | $4,195.85 | 7.375% | No | No | Self-Employed | US Citizen | $9,478.22 | 1 | $638.16 | 38.063% | 38.063% | 38.063% | 05/22/2022 | 693 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $14,404.38 | 5.180% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $104,305.19 | 13.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820846 | Non QM | Yes | No | $7,165.95 | $8,552.59 | 6.171% | $1,039.93 | $1,039.93 | 5.750% | No | No | Self-Employed | US Citizen | $15,285.02 | 1 | $2,145.84 | 14.322% | 14.322% | 14.322% | 04/13/2022 | 697 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,165.95 | 4.790% | $0.00 | 2.5 | DU | ApproveEligible | No | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $20,546.71 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820837 | N/A | Yes | No | $17,728.40 | 5.749% | $3,693.42 | $3,693.42 | 5.750% | No | No | Self-Employed | US Citizen | $60,662.97 | 1 | $2,534.04 | 24.203% | 24.203% | 26.350% | 05/31/2022 | 745 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | $17,728.40 | 5.070% | $0.00 | 3.6 | None | Yes | No | 5.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | 240 | $67,548.46 | 6.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820842 | N/A | Yes | No | $2,070.31 | $2,070.31 | 6.625% | No | No | US Citizen | 2 | $732.96 | 0.000% | 0.000% | 0.000% | 06/15/2022 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.09 | 0.91 | 240 | $89,637.77 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820843 | N/A | Yes | No | $3,570.00 | $3,570.00 | 8.500% | No | No | US Citizen | US Citizen | 4 | $2,833.20 | 0.000% | 0.000% | 0.000% | 03/31/2022 | 729 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | 240 | $183,562.66 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820844 | N/A | Yes | No | $2,102.17 | $2,102.17 | 6.875% | No | No | US Citizen | 1 | $3,860.76 | 0.000% | 0.000% | 0.000% | 05/17/2022 | 737 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $31,469.54 | 8.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820845 | N/A | Yes | No | $1,526.15 | $1,526.15 | 6.125% | No | No | US Citizen | 1 | $598.92 | 0.000% | 0.000% | 0.000% | 04/12/2022 | 801 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.9 | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.31 | 0.76 | 240 | $51,902.59 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820853 | Non QM | Yes | No | $8,915.00 | $10,284.20 | 7.657% | $2,424.27 | $2,424.27 | 7.375% | No | No | Self-Employed | US Citizen | $6,001.85 | 1 | $2,661.00 | 36.151% | 36.151% | 36.151% | 05/23/2022 | 706 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 4506-C - 2016 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,915.00 | 5.350% | $5,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 2 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $3,958.21 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820856 | Non QM | Yes | No | $20,895.00 | $20,782.92 | 6.548% | $5,153.12 | $6,051.54 | 6.375% | No | No | Employed | US Citizen | $8,335.26 | 1 | $1,821.12 | 46.176% | 40.375% | 46.176% | 05/23/2022 | 752 | Yes | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Loan Term |
$20,895.00 | 5.330% | $0.00 | 1.0 | None | Yes | No | 6.375% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Other | 360 | $212,081.35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639414 | N/A | Yes | No | $905.83 | $905.83 | 7.125% | No | No | US Citizen | 1 | $282.00 | 0.000% | 0.000% | 0.000% | 03/28/2022 | 743 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.08 | 0.48 | $471,905.46 | 79.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639379 | N/A | Yes | No | $1,023.26 | $1,023.26 | 7.250% | No | No | US Citizen | US Citizen | 1 | $792.96 | 0.000% | 0.000% | 0.000% | 04/25/2022 | 745 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | $137,489.53 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639415 | N/A | Yes | No | $2,624.57 | $2,624.57 | 7.375% | No | No | US Citizen | 1 | $2,316.72 | 0.000% | 0.000% | 0.000% | 05/16/2022 | 755 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $202,839.55 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639394 | N/A | Yes | No | $3,811.47 | $3,811.47 | 7.625% | No | No | 0 | Foreign National | 1 | $1,227.00 | 0.000% | 0.000% | 0.000% | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $2,270.86 | 0.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639403 | Exempt from ATR | Yes | No | $3,940.00 | $5,110.00 | 6.529% | $985.15 | $985.15 | 6.250% | No | No | Self-Employed | US Citizen | $3,758.01 | 1 | $1,613.04 | 47.529% | 47.529% | 47.529% | 03/31/2022 | 724 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,940.00 | 5.380% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $193,370.13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639391 | Exempt from ATR | Yes | No | $8,419.00 | $0.00 | 6.958% | $2,361.82 | $2,361.82 | 7.000% | No | No | Self-Employed | US Citizen | $4,635.53 | 1 | $1,869.96 | 43.294% | 43.294% | 43.294% | 04/18/2022 | 725 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,419.00 | 5.170% | $212,150.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $11,660.00 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639405 | Exempt from ATR | Yes | No | $20,035.00 | $23,899.72 | 7.123% | $5,643.02 | $5,643.02 | 6.875% | No | No | Employed | US Citizen | $11,603.39 | 2 | $1,560.00 | 37.279% | 37.279% | 37.279% | 06/09/2022 | 738 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $20,035.00 | 5.180% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $45,719.99 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639380 | Exempt from ATR | Yes | No | $13,406.25 | $15,912.42 | 6.985% | $2,545.24 | $2,545.24 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $8,214.25 | 1 | $816.96 | 34.270% | 34.270% | 34.270% | 05/11/2022 | 705 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,406.25 | 5.330% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $20,000.00 | 4.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639419 | Exempt from ATR | Yes | No | $12,075.00 | $15,230.00 | 6.212% | $3,597.30 | $3,597.30 | 6.000% | No | No | Self-Employed | US Citizen | $17,643.37 | 1 | $2,943.00 | 25.303% | 25.303% | 25.303% | 03/30/2022 | 744 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,075.00 | 5.330% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $710,462.31 | 62.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639400 | N/A | Yes | No | $17,140.00 | $11,756.87 | 7.299% | $2,370.14 | $2,370.14 | 7.000% | No | No | Employed | US Citizen | $10,918.29 | 1 | $1,155.96 | 27.211% | 27.211% | 27.211% | 03/25/2022 | 755 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $17,140.00 | 4.740% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $134,257.04 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639430 | Exempt from ATR | Yes | No | $12,850.00 | $14,471.11 | 7.303% | $2,391.67 | $2,391.67 | 7.000% | No | No | Self-Employed | US Citizen | $3,704.78 | 1 | $2,292.96 | 44.494% | 44.494% | 56.286% | 06/08/2022 | 802 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,850.00 | 5.180% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | 240 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639411 | Exempt from ATR | Yes | No | $5,815.00 | $7,081.50 | 5.111% | $1,712.30 | $1,712.30 | 12.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $24,257.39 | 1 | $1,238.04 | 23.701% | 26.960% | 23.701% | 05/06/2022 | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,815.00 | 4.590% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $100.00 | 0.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639401 | Exempt from ATR | Yes | No | $7,520.00 | $9,152.00 | 6.263% | $1,792.66 | $1,792.66 | 6.000% | No | No | Employed | US Citizen | $7,817.37 | 1 | $1,301.04 | 32.994% | 32.994% | 32.994% | 05/25/2022 | 797 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,520.00 | 5.160% | $0.00 | None | N/A | No | 6.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $225,348.56 | 45.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639435 | Exempt from ATR | Yes | No | $16,425.00 | $20,602.63 | 7.048% | $6,503.60 | $6,503.60 | 6.875% | No | No | Self-Employed | US Citizen | $34,431.11 | 1 | $3,494.04 | 23.342% | 23.342% | 23.342% | 04/24/2022 | 722 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,425.00 | 5.160% | $0.00 | 1.6 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $752,997.38 | 54.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639396 | Exempt from ATR | Yes | No | $21,445.00 | $26,287.18 | 5.539% | $6,662.08 | $8,649.96 | 13.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $23,817.61 | 1 | $1,293.96 | 40.269% | 48.877% | 40.269% | 05/12/2022 | 813 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $21,445.00 | 4.490% | $80,000.00 | 3.5 | None | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $290,324.47 | 21.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639385 | Exempt from ATR | Yes | No | $5,775.00 | $7,353.75 | 7.338% | $2,021.16 | $2,021.16 | 7.125% | No | No | Employed | US Citizen | $4,483.58 | 1 | $2,178.00 | 43.955% | 43.955% | 43.955% | 05/18/2022 | 746 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $5,775.00 | 5.180% | $2,750.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $175,622.44 | 46.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639406 | Exempt from ATR | Yes | No | $5,281.00 | $7,492.03 | 8.023% | $1,822.55 | $1,822.55 | 7.750% | No | No | Employed | Permanent Resident Alien | $5,571.41 | 1 | $0.00 | 34.454% | 34.454% | 34.454% | 04/28/2022 | 776 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,281.00 | 4.740% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $62,180.00 | 20.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639390 | Exempt from ATR | Yes | No | $11,942.50 | $13,742.43 | 6.702% | $2,351.99 | $2,351.99 | 6.375% | No | No | Self-Employed | US Citizen | $20,444.85 | 1 | $1,655.40 | 14.469% | 14.469% | 14.469% | 05/04/2022 | 702 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2002 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,942.50 | 5.160% | $10,000.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $370,510.39 | 55.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639384 | Exempt from ATR | Yes | No | $7,125.00 | $9,086.61 | 7.710% | $1,768.13 | $1,768.13 | 7.375% | No | No | Self-Employed | US Citizen | $24,162.04 | 1 | $613.08 | 13.150% | 13.150% | 13.150% | 04/07/2022 | 740 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,125.00 | 5.160% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $288,716.74 | 80.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639421 | N/A | Yes | No | $9,495.00 | $8,191.25 | 7.943% | $1,258.59 | $1,258.59 | 7.500% | No | No | Self-Employed | US Citizen | $6,354.75 | 1 | $662.04 | 14.340% | 14.340% | 14.340% | 04/25/2022 | 764 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Partnership (>= 25%)]; Other - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,495.00 | 5.160% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639434 | Exempt from ATR | Yes | No | $5,475.00 | $7,229.27 | 6.386% | $2,816.91 | $2,816.91 | 6.250% | No | No | Self-Employed | US Citizen | $3,933.28 | 3 | $966.96 | 46.778% | 46.778% | 46.778% | 06/06/2022 | 747 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,475.00 | 3.830% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $21,664.18 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639383 | Exempt from ATR | Yes | No | $5,237.00 | $6,490.44 | 7.568% | $745.14 | $745.14 | 7.000% | Yes | No | Employed | Permanent Resident Alien | $1,836.55 | 1 | $1,073.04 | 44.805% | 44.805% | 44.805% | 05/04/2022 | 743 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,237.00 | 5.380% | $11,000.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $11,687.15 | 8.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639429 | Exempt from ATR | Yes | No | $15,565.00 | $17,868.17 | 6.715% | $2,969.62 | $2,969.62 | 6.375% | No | No | Self-Employed | US Citizen | $28,404.72 | 1 | $3,531.96 | 12.633% | 12.633% | 12.633% | 04/24/2022 | 800 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2012 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $15,565.00 | 5.330% | $250,000.00 | None | N/A | No | 6.375% | 0 | 2 | 0 | 0 | 0 | 17.00 | No | $11,771.15 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639389 | Exempt from ATR | Yes | No | $8,943.75 | $10,906.25 | 6.889% | $1,635.48 | $1,635.48 | 6.500% | No | No | Self-Employed | US Citizen | $4,622.39 | 1 | $585.00 | 31.758% | 31.758% | 31.758% | 06/07/2022 | 727 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,943.75 | 5.330% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $74,742.51 | 22.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639428 | Exempt from ATR | Yes | No | $6,765.00 | $8,089.08 | 6.904% | $1,661.61 | $1,661.61 | 6.625% | No | No | Employed | US Citizen | $2,267.18 | 1 | $742.56 | 44.811% | 44.811% | 44.811% | 05/05/2022 | 725 | No | No | [Borrower - | Non-Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,765.00 | 5.160% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $135,932.63 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639416 | N/A | Yes | No | $10,615.00 | $10,149.92 | 7.989% | $1,442.13 | $1,442.13 | 7.500% | No | No | Employed | US Citizen | $4,378.72 | 2 | $1,119.00 | 39.830% | 39.830% | 39.830% | 03/31/2022 | 714 | No | No | [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,615.00 | 3.830% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $102,763.94 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639398 | Exempt from ATR | Yes | No | $6,608.00 | $8,154.77 | 6.958% | $1,438.78 | $1,438.78 | 6.625% | No | No | Employed | Permanent Resident Alien | $10,724.24 | 1 | $1,305.00 | 14.548% | 14.548% | 14.548% | 05/16/2022 | 700 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,608.00 | 5.160% | $400.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $110,826.88 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639402 | Exempt from ATR | Yes | No | $3,465.00 | $5,058.13 | 7.050% | $998.84 | $998.84 | 6.750% | No | No | Self-Employed | US Citizen | $8,554.31 | 2 | $939.00 | 11.989% | 11.989% | 11.989% | 05/11/2022 | 686 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,465.00 | 5.160% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $107,732.82 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639425 | Exempt from ATR | Yes | No | $10,915.01 | $13,643.37 | 7.012% | $3,040.30 | $3,040.30 | 6.750% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,890.18 | 1 | $1,440.00 | 47.096% | 47.096% | 47.096% | 06/07/2022 | 763 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
Other | 0 | 0 | 0 | None | $10,915.01 | 5.160% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 15.97 | No | $171,562.47 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639426 | Exempt from ATR | Yes | No | $13,950.00 | $16,305.31 | 6.704% | $2,807.41 | $2,807.41 | 6.375% | No | No | Self-Employed | US Citizen | $6,716.70 | 1 | $1,119.96 | 40.531% | 40.531% | 40.531% | 04/26/2022 | 755 | No | No | Audited | [Borrower - | Primary Income - C-Corp]; CPA Letter - 2022 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2022 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2022 [Borrower - | Primary Income - C-Corp]; 1120 - 2021 [Borrower - | Primary Income - C-Corp]; 1120 - 2020 [Borrower - | Non-Primary Income - C-Corp]; CPA Letter - 2022 [Borrower - | Non-Primary Income - C-Corp]; P&L Statement - 2022 [Borrower - | Non-Primary Income - C-Corp]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2021 [Borrower - | Non-Primary Income - C-Corp]; 1120 - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,950.00 | 5.160% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $198,599.49 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639393 | Exempt from ATR | Yes | No | $9,553.00 | $11,677.08 | 6.634% | $2,488.62 | $2,488.62 | 6.375% | No | No | Employed | US Citizen | $4,624.47 | 1 | $817.08 | 47.149% | 47.149% | 47.149% | 05/11/2022 | 797 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,553.00 | 5.160% | $2,500.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $526,128.82 | 59.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639412 | Exempt from ATR | Yes | No | $5,215.00 | $6,394.82 | 5.427% | $2,450.31 | $2,450.31 | 13.125% | No | No | Employed | Permanent Resident Alien | $7,612.95 | 1 | $2,325.96 | 33.800% | 46.395% | 33.800% | 05/25/2022 | 736 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $5,215.00 | 4.590% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $231,041.43 | 47.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639431 | Exempt from ATR | Yes | No | $3,576.00 | $6,230.22 | 5.558% | $1,531.33 | $1,531.33 | 13.750% | No | No | Employed | Non-Permanent Resident Alien | $3,632.72 | 1 | $467.76 | 45.509% | 58.566% | 45.509% | 06/13/2022 | 738 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,576.00 | 4.350% | $3,000.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $9,147.47 | 3.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639417 | N/A | Yes | No | $26,785.00 | $12,871.53 | 5.280% | $5,128.26 | $5,128.26 | 7.375% | No | No | Not Employed | Employed | Not Employed | 3.38 | 0 | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $10,599.50 | 2 | $1,356.00 | 33.753% | 52.403% | 33.753% | 05/02/2022 | 729 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 5-Stated/Verified as defined | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $26,785.00 | 4.420% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $19,712.63 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639397 | Exempt from ATR | Yes | No | $4,900.00 | $6,154.44 | 6.492% | $1,379.21 | $1,379.21 | 6.250% | No | No | Employed | US Citizen | $4,544.57 | 1 | $2,820.96 | 35.078% | 35.078% | 35.078% | 05/05/2022 | 753 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,900.00 | 5.160% | $0.00 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $12,251.85 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639395 | Exempt from ATR | Yes | No | $10,040.00 | $11,630.56 | 7.320% | $2,262.03 | $2,262.03 | 7.000% | No | No | Self-Employed | US Citizen | $8,603.34 | 1 | $1,341.96 | 39.732% | 39.732% | 39.732% | 05/11/2022 | 721 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,040.00 | 5.180% | $5,000.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $94,075.74 | 22.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639381 | Exempt from ATR | Yes | No | $10,575.00 | $12,512.16 | 6.646% | $2,573.46 | $2,573.46 | 6.375% | No | No | Employed | US Citizen | $5,260.73 | 1 | $3,593.04 | 42.610% | 42.610% | 42.610% | 06/03/2022 | 756 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,575.00 | 5.160% | $0.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $1,035.75 | 0.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639399 | Exempt from ATR | Yes | No | $25,950.00 | $35,465.42 | 7.538% | $11,523.44 | $14,961.88 | 7.375% | No | No | Self-Employed | US Citizen | $27,298.94 | 1 | $9,569.16 | 41.301% | 33.907% | 41.301% | 05/04/2022 | 714 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $25,950.00 | 5.160% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $903,177.59 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639410 | Exempt from ATR | Yes | No | $6,010.00 | $8,128.19 | 5.043% | $2,788.70 | $2,788.70 | 12.375% | No | No | Employed | US Citizen | $4,939.47 | 1 | $6,362.64 | 44.187% | 63.715% | 44.187% | 05/17/2022 | 790 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $6,010.00 | 4.590% | $6,960.00 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $134,068.97 | 22.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820850 | Exempt from ATR | Yes | No | $13,352.50 | $16,284.38 | 6.944% | $3,796.88 | $3,796.88 | 6.750% | No | No | Employed | Non-Permanent Resident Alien | $11,192.25 | 1 | $1,340.04 | 34.366% | 34.366% | 42.199% | 05/13/2022 | 772 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,352.50 | 5.160% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | $231,114.64 | 26.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639392 | Exempt from ATR | Yes | No | $8,775.00 | $11,326.04 | 7.172% | $3,946.91 | $3,946.91 | 7.000% | No | No | Self-Employed | Non-Permanent Resident Alien | $14,174.01 | 1 | $1,083.00 | 26.957% | 26.957% | 26.957% | 05/26/2022 | 715 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,775.00 | 5.160% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $157,450.53 | 20.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639432 | Exempt from ATR | Yes | No | $24,675.00 | $27,983.33 | 5.523% | $5,600.00 | $5,600.00 | 14.000% | No | No | Self-Employed | US Citizen | $10,676.58 | 1 | $1,046.04 | 41.610% | 64.580% | 49.409% | 06/03/2022 | 790 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2007 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $24,675.00 | 4.700% | $0.00 | 1.9 | None | Yes | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $299,591.65 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639407 | Exempt from ATR | Yes | No | $5,050.00 | $5,739.53 | 7.693% | $1,212.13 | $1,212.13 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $2,923.24 | 1 | $375.96 | 42.775% | 42.775% | 42.775% | 04/28/2022 | 707 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $5,050.00 | 5.310% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $86,989.86 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639386 | Exempt from ATR | Yes | No | $6,036.88 | $7,097.37 | 7.428% | $1,079.45 | $1,079.45 | 7.000% | No | No | Self-Employed | US Citizen | $20,392.83 | 1 | $240.96 | 8.586% | 8.586% | 8.586% | 04/26/2022 | 806 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,036.88 | 5.180% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $163,818.47 | 56.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639422 | N/A | Yes | No | $22,128.00 | $13,003.54 | 7.898% | $3,270.01 | $3,270.01 | 7.625% | No | No | Self-Employed | US Citizen | $21,142.74 | 1 | $3,860.04 | 45.889% | 45.889% | 45.889% | 05/06/2022 | 717 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $22,128.00 | 5.160% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $320,856.17 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639418 | Exempt from ATR | Yes | No | $28,481.25 | $31,886.64 | 6.880% | $7,443.61 | $7,443.61 | 6.625% | No | No | Self-Employed | US Citizen | $50,085.30 | 2 | $2,126.04 | 16.259% | 16.259% | 16.259% | 06/08/2022 | 765 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $28,481.25 | 5.330% | $387,500.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $144,089.07 | 9.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639420 | Exempt from ATR | Yes | No | $12,525.00 | $14,519.31 | 8.167% | $2,614.90 | $2,614.90 | 7.750% | No | No | Self-Employed | US Citizen | $5,326.74 | 1 | $1,887.96 | 49.281% | 49.281% | 49.281% | 05/02/2022 | 710 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,525.00 | 3.920% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639413 | Exempt from ATR | Yes | No | $5,840.00 | $7,390.00 | 7.853% | $1,454.37 | $1,454.37 | 7.500% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $4,398.21 | 1 | $551.04 | 42.063% | 42.063% | 42.063% | 04/01/2022 | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $5,840.00 | 5.380% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $542,611.33 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639424 | Exempt from ATR | Yes | No | $7,655.00 | $9,044.50 | 7.918% | $2,151.69 | $2,151.69 | 7.625% | No | No | Self-Employed | US Citizen | $10,303.39 | 1 | $486.96 | 23.741% | 23.741% | 23.741% | 04/25/2022 | 738 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $7,655.00 | 5.160% | $0.00 | None | N/A | No | 7.625% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $59,626.22 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639382 | Exempt from ATR | Yes | No | $7,675.00 | $8,633.97 | 7.470% | $1,643.87 | $1,643.87 | 7.125% | No | No | Self-Employed | US Citizen | $27,365.84 | 1 | $972.00 | 8.781% | 8.781% | 8.781% | 04/23/2022 | 780 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
Other | 0 | 0 | 0 | None | $7,675.00 | 5.310% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639433 | Exempt from ATR | Yes | No | $13,557.50 | $13,903.33 | 7.853% | $2,817.83 | $2,817.83 | 7.500% | No | No | Self-Employed | US Citizen | $8,226.86 | 1 | $739.20 | 32.138% | 32.138% | 32.138% | 05/11/2022 | 696 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,557.50 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $21,635.15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639423 | Exempt from ATR | Yes | No | $9,825.00 | $10,650.00 | 7.319% | $2,654.73 | $2,654.73 | 6.750% | No | No | Self-Employed | US Citizen | $7,850.86 | 1 | $3,671.04 | 42.137% | 42.137% | 42.137% | 05/16/2022 | 769 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,825.00 | 4.560% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $21,068.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639387 | Exempt from ATR | Yes | No | $6,709.74 | $6,983.45 | 7.073% | $2,226.99 | $2,226.99 | 6.875% | No | No | Self-Employed | US Citizen | $5,428.56 | 1 | $2,543.04 | 46.245% | 46.245% | 46.245% | 05/16/2022 | 754 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,709.74 | 5.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $71,732.32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639404 | Exempt from ATR | Yes | No | $4,529.81 | $5,629.21 | 7.615% | $773.09 | $773.09 | 7.125% | No | No | Self-Employed | US Citizen | $2,584.73 | 1 | $961.32 | 36.180% | 36.180% | 36.180% | 05/17/2022 | 772 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2002 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,529.81 | 5.310% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $30,114.86 | 20.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820847 | Exempt from ATR | Yes | No | $22,181.25 | $25,300.62 | 7.279% | $5,738.23 | $5,738.23 | 7.000% | No | No | Employed | US Citizen | $8,613.06 | 2 | $1,098.00 | 44.132% | 44.132% | 44.132% | 05/17/2022 | 721 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $22,181.25 | 5.330% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $249,595.54 | 22.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639409 | Exempt from ATR | Yes | No | $12,541.50 | $14,639.22 | 7.160% | $3,201.87 | $3,201.87 | 6.875% | No | No | Employed | Permanent Resident Alien | $8,234.26 | 1 | $1,104.00 | 41.876% | 41.876% | 41.876% | 05/16/2022 | 755 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,541.50 | 5.160% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $161,992.90 | 27.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639408 | Exempt from ATR | Yes | No | $5,395.00 | $6,344.78 | 7.233% | $1,709.83 | $1,709.83 | 7.000% | No | No | Employed | Permanent Resident Alien | $5,867.51 | 1 | $1,217.04 | 26.656% | 26.656% | 26.656% | 05/24/2022 | 786 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,395.00 | 5.160% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $99,249.22 | 29.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639388 | Exempt from ATR | Yes | No | $4,346.00 | $6,542.29 | 7.199% | $5,039.41 | $5,039.41 | 7.125% | No | No | Self-Employed | US Citizen | $11,204.45 | 1 | $1,253.04 | 40.345% | 40.345% | 40.345% | 05/03/2022 | 756 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $4,346.00 | 5.160% | $0.00 | None | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $269,239.23 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639427 | Exempt from ATR | Yes | No | $25,432.63 | $27,037.14 | 7.945% | $6,140.46 | $6,140.46 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $31,083.84 | 1 | $2,445.00 | 22.853% | 22.853% | 22.853% | 05/26/2022 | 725 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $25,432.63 | 5.860% | $38,200.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820861 | Non QM | Yes | No | $7,495.00 | $3,692.00 | 8.695% | $2,333.37 | $2,333.37 | 8.625% | No | No | Self-Employed | US Citizen | $4,175.84 | 1 | $2,591.04 | 42.215% | 42.215% | 42.215% | 06/29/2022 | 674 | No | Yes | 24 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $7,495.00 | 5.860% | $0.00 | 1.0 | None | Yes | No | 8.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $20,594.46 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820862 | Non QM | Yes | No | $23,921.56 | $27,246.48 | 6.635% | $3,842.08 | $3,842.08 | 6.250% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $6,783.83 | 1 | $1,071.96 | 44.595% | 44.595% | 44.595% | 05/18/2022 | 742 | No | No | Borrower Prepared | [Borrower - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) - | Primary Income - Wages]; Other - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2021 |
[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | Overtime Bonus 2Yr Calc QM DTI QM Employment History QM Points and Fees 2021 S-Corp Income Documentation Test Self Employed Years on Job |
$23,921.56 | 5.330% | $0.00 | 1.0 | None | Yes | No | 6.250% | 0 | 1 | 1 | 0 | 3 | 2 | 15.97 | No | $219,481.18 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820863 | N/A | Yes | No | $2,098.63 | $2,098.63 | 7.125% | No | No | US Citizen | US Citizen | 1 | $598.56 | 0.000% | 0.000% | 0.000% | 06/03/2022 | 725 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.96 | 1.04 | $101,250.42 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820864 | N/A | Yes | No | $3,447.36 | $3,447.36 | 9.750% | No | No | US Citizen | 2 | $1,643.28 | 0.000% | 0.000% | 0.000% | 05/23/2022 | 678 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 9.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.85 | 1.17 | $186,514.54 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820865 | N/A | Yes | No | $738.86 | $738.86 | 6.250% | No | No | US Citizen | 1 | $1,104.96 | 0.000% | 0.000% | 0.000% | 04/18/2022 | 820 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.39 | 0.42 | $596,647.71 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820866 | N/A | Yes | No | $2,135.02 | $2,135.02 | 6.875% | No | No | Permanent Resident Alien | 1 | $724.92 | 0.000% | 0.000% | 0.000% | 05/25/2022 | 687 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.0 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $50,503.19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820868 | Non QM | Yes | No | $31,777.66 | $20,925.78 | 7.122% | $4,789.01 | $4,789.01 | 6.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $26,069.27 | 1 | $1,977.96 | 26.892% | 26.892% | 26.892% | 07/08/2022 | 764 | No | Yes | 24 | Business | 100.000% | 30.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 30.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$31,777.66 | 5.070% | $0.00 | 3.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $206,764.75 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820869 | Higher Priced QM (APOR) | Yes | No | $6,460.00 | $8,197.36 | 7.460% | $2,258.00 | $2,258.00 | 7.250% | No | No | Self-Employed | US Citizen | $8,287.33 | 1 | $2,241.60 | 27.106% | 27.106% | 27.106% | 05/31/2022 | 757 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,460.00 | 5.860% | $58,500.00 | 1.2 | None | Yes | No | 7.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $3,750.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820870 | Non QM | Yes | No | $27,526.60 | $31,600.61 | 8.369% | $4,567.94 | $4,567.94 | 7.875% | No | No | Self-Employed | US Citizen | $34,425.15 | 1 | $4,644.00 | 17.283% | 17.283% | 17.283% | 06/10/2022 | 686 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM Employment History QM Points and Fees 2021 Self-Employed Tax Return Recency Sole Proprietorship Income Documentation Test |
$27,526.60 | 5.310% | $3,000.00 | 2.5 | None | No | No | 7.875% | 0 | 0 | 0 | 3 | 0 | 6.00 | No | $15,000.00 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820871 | Non QM | Yes | No | $17,493.43 | $20,231.65 | 7.755% | $3,432.66 | $3,432.66 | 7.375% | No | No | Self-Employed | US Citizen | $8,045.48 | 1 | $4,089.60 | 44.882% | 44.882% | 44.882% | 05/06/2022 | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$17,493.43 | 5.160% | $0.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $197,941.52 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820872 | N/A | Yes | No | $0.00 | $0.00 | 7.827% | $734.13 | $734.13 | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $2,827.54 | 1 | $800.04 | 34.265% | 34.265% | 34.265% | 05/25/2022 | 798 | No | No | Borrower Prepared | [Borrower - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Borrower - | Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower - | Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower - | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Coborrower(s) - | Primary Income - Partnership (>= 25%)]; K-1 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Account Transcripts - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; Transcripts (1040) - 2021 [Coborrower]; 1040 - 2021 [Coborrower]; Transcripts (1040) - 2021 [Coborrower]; Account Transcripts - 2021 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; 1040 - 2020 [Coborrower]; Transcripts (1040) - 2020 [Coborrower]; Account Transcripts - 2020 [Coborrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | 5.310% | $2,710.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 2 | 0 | 3 | 2 | 17.00 | No | $31,074.59 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820873 | N/A | Yes | No | $16,800.00 | 6.340% | $3,493.67 | $3,493.67 | 6.375% | No | No | Not Employed | Self-Employed | 9.53 | US Citizen | $8,040.99 | 1 | $1,854.96 | 44.572% | 44.572% | 44.572% | 05/10/2022 | 762 | Level 4-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) - | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; Other - 2021 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Coborrower(s) - | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 |
Other | 0 | 0 | 0 | $16,800.00 | 5.160% | $0.00 | 1.0 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | $100,000.00 | 14.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820875 | N/A | Yes | No | $2,594.68 | $2,594.68 | 7.000% | No | No | Permanent Resident Alien | 1 | $533.28 | 0.000% | 0.000% | 0.000% | 05/25/2022 | 687 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | $550,503.19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820876 | Safe Harbor QM (APOR) | Yes | No | $1,150.00 | $1,700.50 | 6.541% | $2,528.27 | $2,528.27 | 6.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,016.41 | 1 | $960.96 | 44.958% | 44.958% | 44.958% | 06/14/2022 | 755 | No | Yes | 12 | Business | 100.000% | 25.000% | 15.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 25.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $1,150.00 | 5.350% | $0.00 | 2.6 | None | No | No | 6.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820878 | Non QM | Yes | No | $30,570.43 | $42,208.23 | 6.013% | $10,466.80 | $15,162.80 | 5.875% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $25,073.23 | 1 | $1,310.04 | 43.611% | 33.049% | 43.611% | 744 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 28.40000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$30,570.43 | 5.070% | $202,555.00 | 2.7 | None | No | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | 240 | $657,141.34 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820879 | Higher Priced QM (APOR) | Yes | No | $16,170.76 | $22,703.36 | 7.233% | $5,598.52 | $5,598.52 | 7.000% | No | No | Self-Employed | US Citizen | $17,030.80 | 1 | $1,550.04 | 35.143% | 35.143% | 35.143% | 05/18/2022 | 797 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $16,170.76 | 5.310% | $0.00 | 2.6 | None | No | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $157,169.02 | 17.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820880 | Non QM | Yes | No | $10,433.75 | $11,105.08 | 7.613% | $3,294.52 | $3,294.52 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $11,712.23 | 1 | $1,226.28 | 28.982% | 28.982% | 28.982% | 05/31/2022 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $10,433.75 | 5.160% | $0.00 | 4.0 | None | N/A | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $19,393.29 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820877 | N/A | Yes | No | $0.00 | 8.201% | $3,681.21 | $3,681.21 | 8.250% | No | No | Self-Employed | US Citizen | $37,759.37 | 1 | $1,851.00 | 27.549% | 27.549% | 27.549% | 05/26/2022 | 732 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | 5.860% | $0.00 | 1.0 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $20,000.00 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820883 | N/A | Yes | No | $1,898.75 | $1,898.75 | 7.750% | No | No | US Citizen | 2 | $1,356.00 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 727 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.28 | 0.78 | 240 | $276,235.33 | 55.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820881 | Safe Harbor QM (APOR) | Yes | No | $17,976.40 | $31,017.89 | 6.478% | $4,739.36 | $4,739.36 | 6.125% | No | No | Self-Employed | US Citizen | $19,831.10 | 1 | $1,118.04 | 23.092% | 23.092% | 23.092% | 06/08/2022 | 790 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,976.40 | 5.860% | $0.00 | 1.0 | None | Yes | No | 6.125% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $10,000.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820882 | Non QM | Yes | No | $8,177.20 | $10,332.21 | 7.499% | $1,059.30 | $1,059.30 | 6.875% | No | No | Employed | US Citizen | $10,951.91 | 1 | $607.08 | 45.241% | 45.241% | 45.241% | 05/02/2022 | 789 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM DTI QM Points and Fees 2021 |
$8,177.20 | 5.310% | $0.00 | 1.5 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 2 | 0.00 | No | $457,834.19 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820829 | N/A | Yes | No | $2,189.02 | $2,189.02 | 6.750% | No | No | 0 | US Citizen | 1 | $1,599.60 | 0.000% | 0.000% | 0.000% | 04/04/2022 | 731 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.2 | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | $656,901.80 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820889 | N/A | Yes | No | $2,287.45 | $2,287.45 | 6.500% | No | No | US Citizen | 1 | $1,758.00 | 0.000% | 0.000% | 0.000% | 03/29/2022 | 779 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 2.6 | No | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.88 | 1.14 | $249,007.43 | 48.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820887 | N/A | Yes | No | $5,008.50 | 6.593% | $1,210.19 | $1,210.19 | 6.625% | No | No | Employed | US Citizen | $11,829.34 | 1 | $591.96 | 40.853% | 40.853% | 40.853% | 05/02/2022 | 789 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | $5,008.50 | 5.310% | $2,000.00 | 1.2 | None | Yes | No | 6.625% | 0 | 1 | 0 | 3 | 2 | 0.00 | No | $447,909.45 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820884 | Non QM | Yes | No | $19,119.00 | $22,266.58 | 7.875% | $2,935.37 | $2,935.37 | 7.375% | No | No | Self-Employed | US Citizen | $6,806.93 | 1 | $1,381.56 | 48.859% | 48.859% | 48.859% | 05/03/2022 | 664 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-T - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$19,119.00 | 5.160% | $10,000.00 | 2.1 | None | No | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | $108,976.89 | 22.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820885 | Safe Harbor QM (APOR) | Yes | No | $5,296.00 | $7,160.48 | 6.059% | $1,774.61 | $1,774.61 | 5.875% | No | No | Self-Employed | US Citizen | $6,902.83 | 1 | $1,353.96 | 38.674% | 38.674% | 38.674% | 05/25/2022 | 692 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,296.00 | 5.160% | $0.00 | 1.0 | None | N/A | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $185,402.53 | 24.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820886 | Higher Priced QM (APOR) | Yes | No | $1,495.00 | $8,398.23 | 6.895% | $9,164.16 | $9,164.16 | 6.875% | No | No | Self-Employed | US Citizen | $34,800.74 | 1 | $7,288.68 | 32.249% | 32.249% | 32.249% | 05/02/2022 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $1,495.00 | 5.350% | $0.00 | 1.2 | None | No | No | 6.875% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | Not Stated | $161,644.65 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820858 | Non QM | Yes | No | $47,473.10 | $20,358.15 | 7.035% | $8,737.15 | $8,737.15 | 6.875% | No | No | Self-Employed | US Citizen | $14,158.80 | 1 | $1,766.04 | 42.322% | 42.322% | 42.322% | 04/04/2022 | 710 | No | Yes | 24 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 35.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$47,473.10 | 5.170% | $0.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $50,872.41 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820859 | Non QM | Yes | No | $16,194.26 | $19,530.86 | 7.329% | $3,467.89 | $3,467.89 | 7.000% | No | No | Self-Employed | US Citizen | $9,171.46 | 1 | $4,830.36 | 31.866% | 31.866% | 31.866% | 05/03/2022 | 686 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$16,194.26 | 5.380% | $0.00 | 2.2 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820860 | Safe Harbor QM (APOR) | Yes | No | $6,615.00 | $7,988.24 | 6.401% | $3,029.33 | $3,029.33 | 6.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $7,777.14 | 1 | $1,440.00 | 36.365% | 36.365% | 36.365% | 05/11/2022 | 789 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $6,615.00 | 5.330% | $0.00 | 1.0 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $139,677.46 | 22.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820891 | Higher Priced QM (APOR) | Yes | No | $2,000.00 | $4,576.25 | 6.794% | $3,242.99 | $3,242.99 | 6.750% | No | No | Not Employed | US Citizen | $5,982.03 | 1 | $2,421.96 | 39.749% | 39.749% | 39.749% | 05/13/2022 | 809 | Yes | No | [Borrower - | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022 [Borrower - | Non-Primary Income - Pension]; 1099-R - 2021 [Borrower - | Non-Primary Income - Social Security]; 1099-SSA - 2021 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $2,000.00 | 5.180% | $0.00 | 1.0 | None | Yes | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $225,265.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820892 | Non QM | Yes | No | $49,225.56 | $54,169.56 | 7.104% | $7,380.00 | $9,975.98 | 6.750% | No | No | Not Employed | Self-Employed | Not Employed | 12.47 | 0 | US Citizen | US Citizen | $39,223.34 | 1 | $5,780.04 | 40.306% | 36.355% | 40.306% | 06/09/2022 | 695 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 24 | Personal, Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 QM Required Credit Report Not Provided to Evidence Debts |
$49,225.56 | 5.070% | $0.00 | 2.7 | None | No | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No | 240 | $174,972.11 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820874 | N/A | Yes | No | $10,144.08 | $11,390.96 | 7.449% | $1,583.42 | $1,583.42 | 7.000% | No | No | Self-Employed | US Citizen | $4,203.13 | 2 | $2,373.96 | 44.077% | 44.077% | 44.077% | 05/17/2022 | 647 | No | No | [Borrower - | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Paystubs - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower - | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 |
[Borrower]; Transcripts (1040) - 2021 [Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | $10,144.08 | 5.160% | $0.00 | None | No | No | 7.000% | 2 | 2 | 0 | 3 | 2 | 0.00 | No | $9,387.14 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820894 | N/A | Yes | No | $0.00 | 8.209% | $969.13 | $969.13 | 8.250% | No | No | Employed | US Citizen | $2,293.45 | 1 | $810.00 | 45.841% | 45.841% | 45.841% | 05/12/2022 | 712 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 |
[Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | 5.310% | $0.00 | 1.0 | None | No | No | 8.250% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820857 | N/A | Yes | No | $3,150.00 | $3,150.00 | 7.875% | No | No | US Citizen | 1 | $2,856.96 | 0.000% | 0.000% | 0.000% | 05/02/2022 | 728 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.38 | 0.73 | 240 | $179,697.46 | 30.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820888 | N/A | Yes | No | $880.39 | $880.39 | 7.375% | No | No | 0 | US Citizen | 1 | $1,091.04 | 0.000% | 0.000% | 0.000% | 04/25/2022 | 683 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.6 | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | $11,523.83 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820896 | Higher Priced QM (APOR) | Yes | No | $20,620.00 | $33,248.19 | 6.969% | $5,762.80 | $5,762.80 | 6.625% | No | No | Self-Employed | US Citizen | $42,748.45 | 1 | $1,611.96 | 15.629% | 15.629% | 15.629% | 05/03/2022 | 697 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $20,620.00 | 5.350% | $0.00 | 2.6 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $25,000.00 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820895 | Non QM | Yes | No | $32,277.70 | $37,163.27 | 7.783% | $4,895.16 | $6,355.81 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $70,205.23 | 1 | $5,976.00 | 14.024% | 12.236% | 14.024% | 06/14/2022 | 747 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal QM Points and Fees 2021 |
$32,277.70 | 5.310% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | $20,000.00 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820897 | Non QM | Yes | No | $13,348.20 | $14,486.74 | 7.939% | $3,397.41 | $3,397.41 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $75,693.43 | 1 | $3,096.00 | 5.689% | 5.689% | 5.689% | 05/26/2022 | 672 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $13,348.20 | 5.310% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | $37,718.34 | 6.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820898 | Safe Harbor QM (APOR) | Yes | No | $8,950.00 | $10,096.52 | 6.749% | $4,802.33 | $4,802.33 | 6.625% | No | No | Self-Employed | US Citizen | $38,701.33 | 1 | $3,230.28 | 21.798% | 21.798% | 21.798% | 05/16/2022 | 772 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 60.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,950.00 | 5.310% | $17,000.00 | 2.6 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | $99,405.36 | 9.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820899 | Non QM | Yes | No | $23,864.00 | $26,529.04 | 7.690% | $5,618.08 | $5,618.08 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $18,175.59 | 1 | $1,960.92 | 27.298% | 27.298% | 27.298% | 05/04/2022 | 792 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2021 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 15.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 12]; Other - 2014 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$23,864.00 | 5.380% | $59.50 | 2.3 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $438,989.13 | 48.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820900 | Non QM | Yes | No | $1,050.00 | $8,272.29 | 7.434% | $4,535.62 | $5,889.00 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,211.22 | 1 | $957.12 | 43.222% | 36.929% | 43.222% | 05/15/2022 | 720 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Deferment of Principal |
$1,050.00 | 5.180% | $10,000.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | 240 | $10,000.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820902 | Non QM | Yes | No | $8,887.50 | $1,495.00 | 4.026% | $1,697.21 | $1,697.21 | 4.000% | No | No | Self-Employed | US Citizen | $4,871.99 | 1 | $3,222.96 | 38.717% | 38.717% | 38.717% | 05/19/2022 | 730 | No | Yes | 12 | Business | 100.000% | 75.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 75.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $8,887.50 | 5.380% | $0.00 | 1.0 | None | Yes | No | 4.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $0.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820906 | N/A | Yes | No | $0.00 | $0.00 | 6.707% | $1,400.97 | $1,400.97 | 6.750% | No | No | Employed | US Citizen | $3,381.18 | 2 | $1,731.96 | 44.266% | 44.266% | 44.266% | 06/13/2022 | 780 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 |
[Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | 5.160% | $1,550.00 | None | No | No | 6.750% | 1 | 0 | 0 | 4 | 2 | 0.00 | No | $81,389.52 | 30.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820907 | N/A | Yes | No | $5,850.00 | 6.111% | $1,184.84 | $1,184.84 | 6.125% | No | No | Employed | US Citizen | $6,986.54 | 1 | $867.96 | 49.273% | 49.273% | 49.273% | 05/17/2022 | 743 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; Tax Return Extension - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | $5,850.00 | 5.070% | $0.00 | 1.1 | None | Yes | No | 6.125% | 2 | 2 | 0 | 3 | 3 | 0.00 | No | $74,001.85 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820903 | N/A | Yes | No | $0.00 | 5.612% | $1,542.19 | $2,286.44 | 5.625% | No | No | Employed | US Citizen | $1,403.67 | 2 | $1,571.04 | 48.800% | 21.806% | 48.800% | 06/07/2022 | 800 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 |
[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | 5.380% | $0.00 | None | No | No | 5.625% | 2 | 1 | 0 | 3 | 0 | 0.00 | No | 240 | $203,423.93 | 41.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820904 | Safe Harbor QM (APOR) | Yes | No | $8,855.00 | $1,982.07 | 7.218% | $2,492.46 | $2,492.46 | 7.178% | No | No | Self-Employed | US Citizen | $4,442.81 | 1 | $1,602.96 | 39.521% | 39.521% | 39.521% | 05/20/2022 | 716 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,855.00 | 5.880% | $13,833.74 | 1.0 | None | Yes | No | 7.178% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820905 | Safe Harbor QM (APOR) | Yes | No | $17,245.00 | $20,301.06 | 7.203% | $3,941.57 | $3,941.57 | 6.875% | No | No | Self-Employed | US Citizen | $9,134.26 | 1 | $2,517.00 | 40.698% | 40.698% | 40.698% | 06/27/2022 | 782 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,245.00 | 5.880% | $0.00 | 1.0 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | No | $884,470.11 | 61.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820893 | Higher Priced QM (APOR) | Yes | No | $3,545.00 | $4,166.88 | 7.690% | $1,573.23 | $1,573.23 | 7.500% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $5,768.40 | 1 | $1,050.96 | 47.560% | 47.560% | 47.560% | 04/12/2022 | 709 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Other - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $3,545.00 | 5.860% | $0.00 | 2.6 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820908 | Non QM | Yes | No | $14,977.30 | $16,071.20 | 6.519% | $3,264.76 | $3,264.76 | 5.875% | No | No | Self-Employed | US Citizen | $27,118.91 | 2 | $2,292.96 | 28.055% | 28.055% | 28.055% | 05/02/2022 | 708 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 1 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 Rental Income Documentation - 25% Method Rental Income Documentation - Boarder Income Ineligible Test |
$14,977.30 | 4.790% | $0.00 | None | No | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820909 | Higher Priced QM (APOR) | Yes | No | $17,245.00 | $18,874.36 | 7.673% | $4,351.25 | $4,351.25 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $6,692.21 | 1 | $1,037.28 | 49.558% | 49.558% | 49.558% | 06/22/2022 | 750 | No | Yes | 36 | Business | 100.000% | 90.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 90.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $17,245.00 | 5.860% | $6,000.00 | 1.0 | None | No | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $13,321.24 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820910 | Higher Priced QM (APOR) | Yes | No | $12,150.00 | $16,468.85 | 7.453% | $3,018.26 | $3,018.26 | 7.125% | No | No | Self-Employed | US Citizen | $33,424.41 | 1 | $4,632.00 | 20.940% | 20.940% | 20.940% | 04/21/2022 | 716 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 70.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $12,150.00 | 5.310% | $0.00 | 2.1 | None | Yes | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $7,500.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820911 | Higher Priced QM (APOR) | Yes | No | $14,990.60 | $16,757.74 | 7.644% | $4,254.56 | $4,254.56 | 7.375% | No | No | Self-Employed | US Citizen | $20,067.56 | 1 | $972.96 | 23.251% | 23.251% | 23.251% | 05/19/2022 | 703 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 0.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $14,990.60 | 5.880% | $0.00 | 2.7 | None | Yes | No | 7.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $18,066.24 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820912 | Non QM | Yes | No | $22,351.80 | $7,322.54 | 8.302% | $8,822.64 | $8,822.64 | 8.250% | No | No | Self-Employed | US Citizen | $19,543.52 | 1 | $822.12 | 36.976% | 36.976% | 36.976% | 06/16/2022 | 757 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $22,351.80 | 5.860% | $0.00 | 4.6 | None | No | No | 8.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $63,535.81 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820913 | Non QM | Yes | No | $995.00 | $3,171.65 | 7.666% | $2,887.23 | $2,887.23 | 7.625% | No | No | Self-Employed | US Citizen | $6,849.04 | 1 | $1,229.04 | 40.443% | 40.443% | 40.443% | 04/22/2022 | 783 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $995.00 | 5.310% | $0.00 | 1.6 | None | Yes | No | 7.625% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | $5,000.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820914 | N/A | Yes | No | $4,010.42 | $4,010.42 | 6.875% | No | No | US Citizen | 1 | $3,564.00 | 0.000% | 0.000% | 0.000% | 06/23/2022 | 743 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.7 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | 240 | $691,094.95 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820901 | Higher Priced QM (APOR) | Yes | No | $11,495.00 | $13,295.53 | 7.030% | $4,926.97 | $4,926.97 | 6.875% | No | No | Self-Employed | US Citizen | $25,546.62 | 1 | $1,664.04 | 25.596% | 25.596% | 25.596% | 07/14/2022 | 814 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $11,495.00 | 5.330% | $0.00 | 1.6 | None | No | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $256,041.83 | 26.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820915 | Non QM | Yes | No | $11,784.94 | $235.82 | 4.375% | $1,897.38 | $1,897.38 | 4.375% | No | No | Self-Employed | Permanent Resident Alien | $3,418.81 | 1 | $1,294.80 | 48.011% | 48.011% | 48.011% | 05/05/2022 | 724 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$11,784.94 | 5.380% | $0.00 | 1.0 | None | Yes | No | 4.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $16,319.52 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820916 | Non QM | Yes | No | $24,457.55 | $26,414.05 | 7.544% | $4,274.74 | $4,274.74 | 7.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $12,996.71 | 1 | $1,445.04 | 30.946% | 30.946% | 30.946% | 06/16/2022 | 723 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$24,457.55 | 5.880% | $0.00 | 1.3 | None | No | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $164,926.38 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820917 | Higher Priced QM (APOR) | Yes | No | $12,376.15 | $13,817.95 | 6.700% | $4,076.84 | $4,076.84 | 6.500% | No | No | Employed | US Citizen | $9,397.87 | 1 | $2,891.16 | 49.892% | 49.892% | 49.892% | 06/06/2022 | 737 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; Paystubs - 2020 [Borrower - | Primary Income - Wages]; W-2 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $12,376.15 | 5.160% | $9,379.90 | 1.0 | None | No | No | 6.500% | 2 | 0 | 0 | 3 | 2 | 0.00 | No | Not Stated | $788,444.26 | 67.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639436 | Exempt from ATR | Yes | No | $12,190.00 | $13,926.56 | 7.757% | $3,723.32 | $3,723.32 | 7.500% | No | No | Self-Employed | US Citizen | $12,619.32 | 1 | $2,416.92 | 30.183% | 30.183% | 30.183% | 06/08/2022 | 772 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $12,190.00 | 5.160% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $223,242.59 | 31.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820920 | N/A | Yes | No | $2,538.13 | $2,538.13 | 7.000% | No | No | US Citizen | 1 | $513.12 | 0.000% | 0.000% | 0.000% | 06/23/2022 | 758 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | Yes | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.82 | 1.23 | $95,758.33 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820921 | N/A | Yes | No | $2,291.22 | $2,291.22 | 7.875% | No | No | US Citizen | 3 | $2,970.00 | 0.000% | 0.000% | 0.000% | 06/23/2022 | 773 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.93 | $212,416.99 | 54.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820922 | N/A | Yes | No | $2,226.09 | $2,226.09 | 7.500% | No | No | US Citizen | 1 | $1,074.00 | 0.000% | 0.000% | 0.000% | 07/27/2022 | 744 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.2 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.87 | 1.15 | 240 | $176,312.46 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820918 | Non QM | Yes | No | $7,725.00 | $8,612.70 | 6.570% | $1,477.72 | $1,477.72 | 6.250% | No | No | Self-Employed | Permanent Resident Alien | $10,826.22 | 1 | $908.28 | 16.721% | 16.721% | 16.721% | 05/02/2022 | 767 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$7,725.00 | 5.380% | $0.00 | 2.5 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $99,095.37 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820923 | Non QM | Yes | No | $4,682.25 | $3,968.26 | 6.836% | $1,120.54 | $1,120.54 | 6.625% | No | No | Self-Employed | US Citizen | $8,310.51 | 1 | $2,514.00 | 45.979% | 45.979% | 45.979% | 06/16/2022 | 751 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | Appendix Q Liabilities – Invalid Exclusion Basis QM DTI Sole Proprietorship Income Documentation Test |
$4,682.25 | 5.860% | $0.00 | 2.0 | None | No | No | 6.625% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | $58,437.76 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820924 | Non QM | Yes | No | $1,049.00 | $1,878.67 | 6.958% | $1,175.25 | $1,175.25 | 6.875% | No | No | Self-Employed | US Citizen | $10,967.30 | 1 | $3,035.04 | 21.155% | 21.155% | 21.155% | 06/28/2022 | 803 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying | $1,049.00 | 5.860% | $0.00 | 2.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $117,610.96 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820925 | Safe Harbor QM (APOR) | Yes | No | $10,438.75 | $16,364.22 | 7.092% | $3,916.94 | $3,916.94 | 6.875% | No | No | Not Employed | US Citizen | $13,687.46 | 1 | $2,112.12 | 29.474% | 29.474% | 29.474% | 06/22/2022 | 792 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
Asset Depletion | 0 | 0 | 0 | None | $10,438.75 | 5.880% | $0.00 | 1.4 | None | Yes | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | Not Stated | $732,009.36 | 92.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820928 | N/A | Yes | No | $2,484.38 | $2,484.38 | 6.625% | No | No | US Citizen | 1 | $528.00 | 0.000% | 0.000% | 0.000% | 06/15/2022 | 704 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.8 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | 240 | $158,559.65 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820926 | Higher Priced QM (APOR) | Yes | No | $1,010.80 | $1,097.46 | 7.648% | $3,503.58 | $3,503.58 | 7.625% | No | No | Self-Employed | US Citizen | $7,595.37 | 1 | $2,326.56 | 45.114% | 45.114% | 45.114% | 06/15/2022 | 689 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $1,010.80 | 5.880% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 3 | 0 | 17.00 | No | Not Stated | $13,547.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639377 | Safe Harbor QM | Yes | Yes | $10,269.25 | $12,222.20 | 3.241% | $3,279.64 | $3,279.64 | 3.125% | No | No | Employed | Employed | US Citizen | US Citizen | $24,964.48 | 1 | $822.36 | 28.673% | 28.673% | 28.673% | 03/02/2021 | 801 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2021 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2021 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2020 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2021 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2021 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2020 [Coborrower(s) - | Primary Income - Wages]; W-2 - 2019 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-T - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 4506-T - 2017 [Borrower]; 4506-T - 2016 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-T - 2019 [Coborrower]; 4506-T - 2018 [Coborrower]; 4506-C - 2018 [Coborrower]; 4506-T - 2017 [Coborrower]; 4506-C - 2017 [Coborrower]; 4506-T - 2016 |
Other | 0 | 0 | 0 | None | $10,269.25 | 2.850% | $0.00 | 1.8 | DU | ApproveEligible | Yes | No | 3.125% | 0 | 2 | 0 | 0 | 5 | 0 | 0.00 | No | $33,558.27 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639378 | Safe Harbor QM (APOR) | Yes | No | $8,822.92 | $11,374.70 | 3.980% | $3,423.33 | $3,423.33 | 3.875% | No | No | Self-Employed | US Citizen | $7,472.41 | 1 | $2,815.20 | 46.310% | 46.310% | 46.310% | 07/14/2021 | 704 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2021 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2018 [Borrower]; 4506-C - 2017 [Borrower]; 4506-C - 2017 |
2 Years Tax Returns | 0 | 0 | 0 | None | $8,822.92 | 3.010% | $0.00 | 5.0 | None | Yes | No | 3.875% | 0 | 2 | 0 | 4 | 0 | 0.00 | No | Not Stated | $280,921.20 | 31.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820929 | Non QM | Yes | No | $3,324.00 | $4,211.24 | 8.526% | $1,976.19 | $1,976.19 | 8.375% | No | No | Employed | US Citizen | $6,304.19 | 1 | $5,095.32 | 32.351% | 32.351% | 32.351% | 06/02/2022 | 621 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2019 |
[Borrower]; Transcripts (1040) - 2021 [Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 13 | 0 | 0 | 0 | None | $3,324.00 | 5.860% | $0.00 | 1.0 | None | No | No | 8.375% | 3 | 1 | 0 | 4 | 2 | 0.00 | No | $2,247.84 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820931 | Higher Priced QM (APOR) | Yes | No | $21,495.00 | $28,301.13 | 7.588% | $13,984.29 | $13,984.29 | 7.500% | No | No | Self-Employed | US Citizen | $46,448.51 | 1 | $10,641.00 | 32.780% | 32.780% | 32.780% | 06/30/2022 | 765 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $21,495.00 | 5.370% | $100,000.00 | 4.4 | None | No | No | 7.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $522,135.25 | 21.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820932 | Non QM | Yes | No | $11,957.50 | $11,473.43 | 6.184% | $1,833.77 | $1,833.77 | 5.875% | No | No | Self-Employed | US Citizen | $18,160.21 | 1 | $770.04 | 12.810% | 12.810% | 12.810% | 06/15/2022 | 773 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,957.50 | 5.860% | $0.00 | 1.0 | None | Yes | No | 5.875% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820933 | Non QM | Yes | No | $12,434.50 | $15,174.02 | 7.467% | $2,680.05 | $2,680.05 | 7.125% | No | No | Self-Employed | US Citizen | $7,057.84 | 1 | $855.96 | 35.490% | 35.490% | 35.490% | 07/29/2022 | 808 | No | No | Borrower Prepared | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | QM Points and Fees 2021 Sole Proprietorship Income Documentation Test |
$12,434.50 | 5.860% | $0.00 | 1.4 | None | N/A | No | 7.125% | 0 | 0 | 0 | 3 | 0 | 17.70 | No | $107,119.72 | 24.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820934 | Safe Harbor QM (APOR) | Yes | No | $9,913.80 | $14,700.38 | 7.238% | $3,459.57 | $3,459.57 | 7.000% | No | No | Self-Employed | US Citizen | $17,782.51 | 1 | $1,606.44 | 28.870% | 28.870% | 28.870% | 06/13/2022 | 762 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,913.80 | 5.860% | $0.00 | 1.0 | None | Yes | No | 7.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $232,458.68 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820935 | N/A | Yes | No | $2,986.71 | $2,986.71 | 8.625% | No | No | Permanent Resident Alien | 1 | $1,314.00 | 0.000% | 0.000% | 0.000% | 06/17/2022 | 765 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 1.0 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | $167,358.19 | 35.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820936 | Safe Harbor QM (APOR) | Yes | No | $5,175.00 | $7,332.60 | 7.104% | $1,193.42 | $1,193.42 | 6.750% | No | No | Self-Employed | US Citizen | $12,838.86 | 1 | $1,137.00 | 16.723% | 16.723% | 16.723% | 07/02/2022 | 735 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,175.00 | 5.780% | $0.00 | 1.0 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $81,758.11 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820937 | Safe Harbor QM (APOR) | Yes | No | $7,620.00 | $9,995.60 | 6.325% | $1,723.71 | $1,723.71 | 6.000% | No | No | Self-Employed | US Citizen | $4,653.57 | 1 | $1,308.00 | 40.719% | 40.719% | 40.719% | 07/15/2022 | 666 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $7,620.00 | 5.160% | $0.00 | 2.6 | None | Yes | No | 6.000% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820938 | N/A | Yes | No | $2,890.49 | $2,890.49 | 6.875% | No | No | US Citizen | 2 | $1,197.00 | 0.000% | 0.000% | 0.000% | 07/11/2022 | 781 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.16 | 0.86 | $46,314.86 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820939 | Higher Priced QM (APOR) | Yes | No | $18,512.50 | $19,189.16 | 6.644% | $4,345.25 | $4,345.25 | 6.375% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,168.63 | 1 | $2,070.96 | 44.826% | 44.826% | 44.826% | 06/17/2022 | 686 | Yes | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2021 [Coborrower(s) - | Primary Income - Wages]; W-2 Transcript - 2020 [Coborrower(s) - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Account Transcripts - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $18,512.50 | 4.740% | $0.00 | 2.6 | None | No | No | 6.375% | 0 | 2 | 1 | 0 | 3 | 1 | 15.00 | No | Other | Not Stated | $156,548.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820940 | Safe Harbor QM (APOR) | Yes | No | $7,344.74 | $10,937.71 | 6.609% | $1,828.66 | $1,828.66 | 6.250% | No | No | Not Employed | US Citizen | $4,376.74 | 1 | $1,145.04 | 39.280% | 39.280% | 39.280% | 06/15/2022 | 712 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | None | $7,344.74 | 5.880% | $0.00 | 1.7 | None | Yes | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $259,489.70 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820930 | Safe Harbor QM (APOR) | Yes | No | $8,254.00 | $12,293.58 | 6.594% | $2,807.41 | $2,807.41 | 6.375% | No | No | Self-Employed | US Citizen | $4,937.18 | 1 | $745.20 | 46.903% | 46.903% | 46.903% | 07/13/2022 | 755 | No | No | [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; 1099 - 2021 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2014 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $8,254.00 | 5.350% | $0.00 | 2.7 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Not Stated | $5,658.84 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639439 | Exempt from ATR | Yes | No | $9,235.00 | $11,963.67 | 8.802% | $2,067.40 | $2,067.40 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $7,424.96 | 1 | $1,472.04 | 38.125% | 38.125% | 38.125% | 05/11/2022 | 736 | No | Yes | 12 | Business | 100.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $9,235.00 | 5.060% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $12,780.64 | 4.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639438 | Exempt from ATR | Yes | No | $8,552.50 | $11,969.85 | 8.933% | $2,683.37 | $2,683.37 | 8.625% | No | No | Self-Employed | US Citizen | $42,452.73 | 1 | $669.72 | 11.623% | 11.623% | 11.623% | 07/05/2022 | 684 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $8,552.50 | 5.580% | $0.00 | None | N/A | No | 8.625% | 0 | 2 | 0 | 0 | 0 | 12 | 0.00 | No | $420,261.39 | 91.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639437 | Exempt from ATR | Yes | No | $11,895.00 | $12,713.82 | 8.477% | $2,821.49 | $2,821.49 | 8.125% | No | No | Self-Employed | US Citizen | $20,147.74 | 1 | $852.00 | 21.503% | 21.503% | 21.503% | 05/09/2022 | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 75.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | None | $11,895.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $8,280.22 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820943 | Non QM | Yes | No | $10,329.00 | $11,620.14 | 8.079% | $2,579.08 | $2,579.08 | 7.750% | No | No | Self-Employed | Permanent Resident Alien | $4,088.96 | 1 | $810.96 | 41.992% | 41.992% | 41.992% | 06/01/2022 | 768 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI |
$10,329.00 | 5.580% | $0.00 | 1.0 | None | Yes | No | 7.750% | 0 | 0 | 0 | 2 | 0 | 12 | 0.00 | No | Not Stated | $10,643.49 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820942 | Non QM | Yes | No | $10,736.16 | $12,386.29 | 7.154% | $1,854.99 | $1,854.99 | 6.750% | No | No | Self-Employed | US Citizen | $15,253.51 | 1 | $2,589.96 | 25.500% | 25.500% | 25.500% | 06/15/2022 | 666 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 30.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2018 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$10,736.16 | 5.310% | $0.00 | 1.0 | LP / LPA | Accept | No | No | 6.750% | 0 | 0 | 0 | 4 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820958 | Safe Harbor QM (APOR) | Yes | No | $5,495.00 | $10,033.44 | 6.810% | $1,769.79 | $1,769.79 | 6.500% | No | No | Self-Employed | US Citizen | $2,217.01 | 1 | $2,337.00 | 49.739% | 49.739% | 49.739% | 05/27/2022 | 685 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: % | Expense Ratio Source: | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $5,495.00 | 5.860% | $0.00 | 1.3 | None | Yes | No | 6.500% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820941 | Safe Harbor QM (APOR) | Yes | No | $4,495.00 | $6,628.82 | 6.662% | $1,247.74 | $1,247.74 | 6.375% | No | No | Employed | Not Employed | US Citizen | US Citizen | $21,234.11 | 1 | $1,512.60 | 43.560% | 43.560% | 43.560% | 08/02/2022 | 748 | Yes | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; W-2 - 2021 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2021 [Borrower - | Primary Income - Wages]; W-2 - 2020 [Borrower - | Primary Income - Wages]; W-2 Transcript - 2020 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 |
Asset Depletion | 0 | 0 | 0 | None | $4,495.00 | 5.310% | $0.00 | 2.3 | None | No | No | 6.375% | 2 | 0 | 0 | 0 | 3 | 0 | 0.00 | No | Other | Not Stated | $612,207.36 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820959 | Non QM | Yes | No | $11,325.70 | $12,983.85 | 6.652% | $1,828.68 | $1,828.68 | 6.250% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,072.76 | 1 | $985.44 | 40.277% | 40.277% | 40.277% | 07/27/2022 | 759 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$11,325.70 | 5.330% | $0.00 | 1.0 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | $168,435.55 | 42.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639440 | N/A | Yes | No | $28,070.00 | $17,484.56 | 8.168% | $3,987.88 | $3,987.88 | 7.875% | No | No | Self-Employed | Foreign National | $6,174.98 | 1 | $832.92 | 29.102% | 29.102% | 29.102% | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $28,070.00 | 5.160% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 16.83 | No | $1,011,834.76 | 92.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639441 | N/A | Yes | No | $13,365.00 | $9,206.11 | 5.771% | $2,568.18 | $2,568.18 | 8.000% | No | No | Employed | Foreign National | $8,375.48 | 1 | $836.16 | 19.201% | 33.067% | 19.201% | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,365.00 | 4.350% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $35,791.85 | 7.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639442 | N/A | Yes | No | $16,627.00 | $10,175.67 | 5.831% | $3,287.27 | $3,287.27 | 14.000% | No | No | Self-Employed | Foreign National | $12,683.72 | 1 | $879.00 | 14.290% | 26.722% | 14.290% | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,627.00 | 4.490% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $269,595.23 | 42.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639443 | N/A | Yes | No | $11,858.90 | $7,481.81 | 6.401% | $2,294.05 | $2,294.05 | 8.500% | No | No | Employed | Foreign National | $5,936.69 | 1 | $609.96 | 25.791% | 41.352% | 25.791% | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,858.90 | 5.080% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $108,832.31 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639444 | N/A | Yes | No | $9,006.60 | $5,810.08 | 8.030% | $1,588.90 | $1,588.90 | 7.500% | No | No | Employed | Permanent Resident Alien | $7,513.09 | 1 | $1,746.96 | 14.624% | 14.624% | 14.624% | 06/15/2022 | 793 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,006.60 | 4.500% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $164,830.58 | 67.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639445 | N/A | Yes | No | $16,845.00 | $12,539.56 | 7.737% | $2,106.56 | $2,106.56 | 7.375% | No | No | Employed | US Citizen | $8,595.03 | 1 | $1,596.96 | 11.391% | 11.391% | 11.391% | 05/23/2022 | 748 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,845.00 | 5.160% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $9,276.65 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639446 | N/A | Yes | No | $14,707.50 | $10,755.78 | 8.011% | $1,804.87 | $1,804.87 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | $5,469.13 | 4 | $546.00 | 37.818% | 37.818% | 37.818% | 05/26/2022 | 772 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2001 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,707.50 | 5.160% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $125,831.14 | 37.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639447 | N/A | Yes | No | $14,223.40 | $10,722.80 | 8.018% | $1,738.34 | $1,738.34 | 7.625% | No | No | Self-Employed | US Citizen | $45,407.64 | 4 | $1,215.96 | 4.729% | 4.729% | 4.729% | 05/24/2022 | 736 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,223.40 | 5.160% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $205,589.70 | 63.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639448 | N/A | Yes | No | $5,894.40 | $1,521.10 | 7.622% | $1,738.34 | $1,738.34 | 7.625% | No | No | Self-Employed | US Citizen | $42,484.25 | 4 | $1,158.00 | 10.862% | 10.862% | 10.862% | 05/24/2022 | 736 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,894.40 | 5.160% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $208,739.70 | 64.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639449 | N/A | Yes | No | $21,390.00 | $14,792.19 | 7.626% | $2,503.59 | $2,503.59 | 7.250% | No | No | Self-Employed | US Citizen | $34,357.41 | 1 | $1,054.68 | 11.317% | 11.317% | 11.317% | 04/27/2022 | 740 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $21,390.00 | 5.160% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $17,611.91 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639450 | N/A | Yes | No | $9,795.00 | $6,137.48 | 8.480% | $1,840.60 | $1,840.60 | 8.250% | No | No | Self-Employed | US Citizen | $5,790.71 | 1 | $1,467.00 | 32.663% | 32.663% | 32.663% | 06/01/2022 | 683 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,795.00 | 5.160% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $106,238.09 | 30.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639451 | N/A | Yes | No | $15,094.45 | $10,359.16 | 8.297% | $1,799.98 | $1,799.98 | 7.875% | No | No | Self-Employed | US Citizen | $8,643.72 | 1 | $1,235.64 | 32.237% | 32.237% | 32.237% | 06/13/2022 | 748 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,094.45 | 5.310% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $640,754.13 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639452 | N/A | Yes | No | $11,475.00 | $8,423.13 | 7.740% | $1,554.02 | $1,554.02 | 7.375% | No | No | Self-Employed | US Citizen | $138,045.18 | 1 | $1,322.04 | 2.481% | 2.481% | 2.481% | 06/10/2022 | 766 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,475.00 | 5.370% | $0.00 | 2.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $5,000.00 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639453 | N/A | Yes | No | $25,166.40 | $14,757.41 | 8.916% | $4,029.73 | $4,029.73 | 8.625% | No | No | Employed | US Citizen | $22,094.93 | 1 | $5,550.00 | 31.275% | 31.275% | 31.275% | 07/18/2022 | 707 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $25,166.40 | 5.370% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $6,900.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639454 | N/A | Yes | No | $101,110.00 | $56,193.02 | 8.526% | $20,749.97 | $20,749.97 | 8.375% | No | No | Not Employed | Employed | 6.18 | US Citizen | $437,253.47 | 1 | $10,062.96 | 8.747% | 8.747% | 8.747% | 06/02/2022 | 763 | Level 3-Stated/Partially Verified | Level 4-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $101,110.00 | 5.160% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $59,948.54 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639455 | N/A | Yes | No | $11,709.60 | $1,200.00 | 8.352% | $3,617.94 | $3,617.94 | 8.375% | No | No | Not Employed | US Citizen | $9,737.16 | 1 | $2,649.00 | 44.326% | 44.326% | 44.326% | 06/07/2022 | 756 | No | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2022 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,709.60 | 5.060% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $82,276.41 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639456 | N/A | Yes | No | $23,922.50 | $14,596.49 | 8.831% | $3,935.16 | $4,258.40 | 8.625% | No | No | Self-Employed | US Citizen | $10,031.56 | 1 | $990.00 | 43.110% | 41.277% | 46.152% | 07/15/2022 | 732 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $23,922.50 | 5.370% | $0.00 | None | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $1,678.80 | 0.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639457 | N/A | Yes | No | $37,225.00 | $19,532.16 | 5.586% | $6,241.91 | $6,241.91 | 7.250% | No | No | Not Employed | Self-Employed | 5.6 | US Citizen | $9,274.33 | 1 | $1,501.08 | 42.035% | 64.914% | 42.035% | 06/15/2022 | 746 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Other - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
Other | 0 | 0 | 0 | None | $37,225.00 | 5.080% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $230,942.52 | 19.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639458 | N/A | Yes | No | $24,970.00 | $15,618.00 | 5.825% | $3,769.00 | $3,769.00 | 7.625% | No | No | Not Employed | Self-Employed | 5.6 | US Citizen | $8,507.03 | 1 | $1,440.48 | 46.831% | 60.325% | 46.831% | 06/15/2022 | 746 | Level 3-Stated/Partially Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
Other | 0 | 0 | 0 | None | $24,970.00 | 5.080% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $161,164.02 | 23.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639459 | N/A | Yes | No | $28,672.00 | $13,022.48 | 6.032% | $6,065.38 | $6,065.38 | 8.375% | No | No | Not Employed | Self-Employed | 14.42 | US Citizen | $28,593.35 | 1 | $1,823.04 | 26.240% | 34.796% | 26.240% | 07/01/2022 | 706 | Level 2-Stated/Not Verified | Level 3-Stated/Partially Verified | Level 3-Stated/Verified as defined | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
Other | 0 | 0 | 0 | None | $28,672.00 | 3.380% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $3,643.44 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639460 | N/A | Yes | No | $21,250.00 | $14,406.39 | 6.031% | $3,962.33 | $3,962.33 | 8.000% | No | No | Employed | Employed | US Citizen | US Citizen | $12,827.84 | 2 | $1,965.96 | 32.485% | 44.156% | 32.485% | 07/28/2022 | 740 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $21,250.00 | 4.490% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $258,950.66 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639461 | Exempt from ATR | Yes | No | $4,690.00 | $6,020.83 | 7.427% | $1,887.54 | $1,887.54 | 7.000% | No | No | Employed | US Citizen | $5,227.38 | 1 | $933.96 | 32.550% | 32.550% | 32.550% | 06/27/2022 | 805 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,690.00 | 4.570% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $257,244.77 | 59.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639462 | Exempt from ATR | Yes | No | $5,537.50 | $7,087.50 | 6.986% | $1,939.31 | $1,939.31 | 6.750% | No | No | Employed | US Citizen | $4,335.25 | 1 | $1,248.00 | 48.997% | 48.997% | 48.997% | 06/06/2022 | 715 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,537.50 | 4.230% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $20,265.91 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639463 | Exempt from ATR | Yes | No | $12,663.00 | $13,238.00 | 7.844% | $2,819.23 | $2,819.23 | 7.500% | No | No | Employed | US Citizen | $6,512.26 | 2 | $1,526.04 | 42.759% | 42.759% | 42.759% | 05/02/2022 | 689 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,663.00 | 5.860% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $669.00 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639464 | Exempt from ATR | Yes | No | $5,190.00 | $7,489.69 | 6.857% | $1,153.52 | $1,153.52 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $7,027.36 | 1 | $471.96 | 27.399% | 27.399% | 27.399% | 04/12/2022 | 727 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,190.00 | 5.380% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $109,292.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639465 | Exempt from ATR | Yes | No | $13,840.00 | $14,595.00 | 7.100% | $4,270.04 | $4,270.04 | 6.875% | No | No | Self-Employed | US Citizen | $9,928.98 | 1 | $3,750.00 | 41.691% | 41.691% | 41.691% | 04/25/2022 | 728 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,840.00 | 5.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 9.57 | No | $307,838.24 | 35.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639466 | Exempt from ATR | Yes | No | $11,418.75 | $14,420.81 | 7.688% | $5,506.31 | $5,506.31 | 7.500% | No | No | Self-Employed | US Citizen | $13,388.94 | 1 | $1,049.04 | 40.018% | 40.018% | 40.018% | 05/06/2022 | 762 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,418.75 | 5.860% | $10,000.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $499,986.47 | 48.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639467 | Exempt from ATR | Yes | No | $6,650.00 | $8,372.93 | 7.623% | $1,384.82 | $1,384.82 | 7.250% | No | No | Self-Employed | US Citizen | $3,529.44 | 1 | $4,268.28 | 41.199% | 41.199% | 41.199% | 05/11/2022 | 681 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,650.00 | 5.860% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $21,150.01 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639468 | Exempt from ATR | Yes | No | $20,812.50 | $27,402.35 | 7.643% | $5,905.27 | $5,905.27 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $10,935.97 | 4 | $1,562.04 | 39.661% | 39.661% | 39.661% | 06/24/2022 | 746 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $20,812.50 | 5.170% | $40,000.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $282,468.36 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639469 | Exempt from ATR | Yes | No | $6,620.00 | $10,698.83 | 7.137% | $3,646.52 | $3,646.52 | 7.000% | No | No | Employed | Permanent Resident Alien | $9,297.16 | 1 | $1,109.64 | 31.132% | 31.132% | 31.132% | 06/23/2022 | 787 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,620.00 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $251,073.50 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639470 | Exempt from ATR | Yes | No | $12,825.00 | $17,202.71 | 7.416% | $3,368.59 | $3,368.59 | 7.125% | No | No | Employed | US Citizen | $5,198.46 | 1 | $1,396.32 | 42.874% | 42.874% | 42.874% | 06/22/2022 | 796 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,825.00 | 5.310% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $174,671.20 | 28.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639471 | Exempt from ATR | Yes | No | $12,465.00 | $16,489.88 | 7.745% | $2,735.07 | $2,735.07 | 7.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $4,223.12 | 1 | $1,605.00 | 48.666% | 48.666% | 48.666% | 06/21/2022 | 728 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,465.00 | 5.170% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $156,649.96 | 31.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639472 | Exempt from ATR | Yes | No | $6,022.50 | $3,403.12 | 7.458% | $880.01 | $880.01 | 7.250% | No | No | Employed | US Citizen | $3,194.02 | 1 | $2,997.96 | 42.528% | 42.528% | 42.528% | 06/16/2022 | 679 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,022.50 | 4.790% | $98,158.07 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $2,767.93 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639473 | Exempt from ATR | Yes | No | $18,000.00 | $22,914.01 | 7.747% | $3,781.45 | $3,781.45 | 7.375% | No | No | Self-Employed | Permanent Resident Alien | $9,144.62 | 1 | $1,242.96 | 35.365% | 35.365% | 35.365% | 04/06/2022 | 719 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
Other | 0 | 0 | 0 | None | $18,000.00 | 5.860% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $75,000.00 | 10.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639474 | Exempt from ATR | Yes | No | $17,897.50 | $25,265.79 | 7.174% | $7,255.12 | $7,255.12 | 7.000% | No | No | Not Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $21,546.43 | 1 | $4,350.96 | 32.226% | 32.226% | 32.226% | 05/20/2022 | 713 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,897.50 | 5.310% | $6,000.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $587,859.75 | 39.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639475 | Exempt from ATR | Yes | No | $7,795.00 | $10,172.11 | 7.990% | $1,760.99 | $1,760.99 | 7.625% | No | No | Employed | US Citizen | $4,627.01 | 1 | $1,110.00 | 44.476% | 44.476% | 44.476% | 04/19/2022 | 779 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,795.00 | 5.310% | $3,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $103,486.59 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639476 | Exempt from ATR | Yes | No | $8,320.00 | $12,097.82 | 7.839% | $3,199.23 | $3,199.23 | 7.625% | No | No | Employed | Permanent Resident Alien | $5,854.16 | 1 | $1,039.20 | 40.466% | 40.466% | 40.466% | 04/27/2022 | 724 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,320.00 | 5.860% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639477 | Exempt from ATR | Yes | No | $4,088.00 | $6,165.85 | 7.197% | $801.02 | $801.02 | 6.750% | No | No | Employed | Permanent Resident Alien | $2,984.23 | 1 | $315.00 | 40.315% | 40.315% | 40.315% | 05/09/2022 | 780 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,088.00 | 5.310% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $10,424.01 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639478 | Exempt from ATR | Yes | No | $15,507.50 | $19,828.92 | 7.359% | $3,213.41 | $3,213.41 | 7.000% | No | No | Employed | US Citizen | $6,868.60 | 1 | $1,440.00 | 42.700% | 42.700% | 42.700% | 04/20/2022 | 697 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,507.50 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $268,086.61 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639479 | Exempt from ATR | Yes | No | $31,068.75 | $39,995.47 | 7.698% | $7,407.49 | $7,407.49 | 7.375% | No | No | Self-Employed | US Citizen | $115,337.72 | 1 | $2,193.48 | 9.899% | 9.899% | 9.899% | 05/09/2022 | 702 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2019 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $31,068.75 | 5.330% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 15.97 | No | $594,063.23 | 42.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639480 | Exempt from ATR | Yes | No | $6,772.50 | $9,010.72 | 7.047% | $1,210.19 | $1,210.19 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $2,722.37 | 1 | $1,160.76 | 43.404% | 43.404% | 43.404% | 05/10/2022 | 754 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Child Support]; Account Statements - 2022 [Borrower - | Non-Primary Income - Child Support]; Divorce Decree - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,772.50 | 5.310% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | $110,541.85 | 41.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639482 | Exempt from ATR | Yes | No | $5,065.00 | $7,773.91 | 6.912% | $2,286.31 | $2,286.31 | 6.750% | No | No | Employed | US Citizen | $4,795.61 | 1 | $1,625.04 | 42.453% | 42.453% | 42.453% | 05/17/2022 | 782 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,065.00 | 5.310% | $350,000.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $82,959.42 | 12.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639483 | Exempt from ATR | Yes | No | $5,375.00 | $8,550.73 | 7.527% | $1,280.07 | $1,280.07 | 7.125% | No | No | Self-Employed | US Citizen | $6,715.50 | 1 | $405.96 | 39.987% | 39.987% | 39.987% | 05/16/2022 | 794 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,375.00 | 5.860% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $163,287.50 | 54.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639484 | Exempt from ATR | Yes | No | $5,704.00 | $7,908.75 | 7.734% | $1,921.44 | $1,921.44 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | $4,912.37 | 1 | $1,669.68 | 38.595% | 38.595% | 38.595% | 05/18/2022 | 809 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,704.00 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $94,721.21 | 28.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639485 | Exempt from ATR | Yes | No | $4,892.50 | $6,784.65 | 7.122% | $1,468.24 | $1,468.24 | 6.875% | No | No | Employed | Permanent Resident Alien | $3,679.03 | 1 | $1,390.80 | 43.400% | 43.400% | 43.400% | 05/17/2022 | 789 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,892.50 | 5.860% | $2,500.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $200.00 | 0.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639486 | Exempt from ATR | Yes | No | $5,310.00 | $6,425.59 | 7.163% | $1,226.81 | $1,226.81 | 6.875% | No | No | Employed | US Citizen | $2,044.16 | 1 | $995.40 | 45.489% | 45.489% | 45.489% | 05/16/2022 | 797 | No | No | [Borrower - | Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,310.00 | 5.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $77,645.31 | 31.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639487 | Exempt from ATR | Yes | No | $9,275.00 | $12,149.95 | 7.396% | $2,593.82 | $2,593.82 | 7.125% | No | No | Self-Employed | US Citizen | $5,334.07 | 1 | $2,463.96 | 40.436% | 40.436% | 40.436% | 04/28/2022 | 724 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2003 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,275.00 | 5.860% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $172,150.87 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639488 | Exempt from ATR | Yes | No | $17,469.00 | $23,267.20 | 7.904% | $4,999.86 | $4,999.86 | 7.625% | No | No | Employed | US Citizen | $9,688.38 | 1 | $1,385.04 | 37.157% | 37.157% | 37.157% | 04/29/2022 | 738 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,469.00 | 5.310% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $224,371.06 | 25.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639489 | Exempt from ATR | Yes | No | $14,070.00 | $17,751.96 | 7.639% | $2,841.26 | $2,841.26 | 7.250% | No | No | Self-Employed | US Citizen | $7,210.45 | 1 | $1,715.28 | 38.206% | 38.206% | 38.206% | 04/28/2022 | 768 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,070.00 | 5.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639490 | Exempt from ATR | Yes | No | $31,575.00 | $41,848.13 | 7.348% | $10,105.78 | $10,105.78 | 7.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $31,200.08 | 1 | $6,276.00 | 39.122% | 39.122% | 39.122% | 05/20/2022 | 810 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $31,575.00 | 5.310% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $1,509,156.82 | 77.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639492 | Exempt from ATR | Yes | No | $9,600.00 | $12,870.21 | 7.590% | $2,251.18 | $2,251.18 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $16,198.16 | 1 | $930.00 | 26.908% | 26.908% | 26.908% | 04/22/2022 | 742 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,600.00 | 5.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $150,447.41 | 34.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639493 | Exempt from ATR | Yes | No | $8,475.00 | $11,135.83 | 8.050% | $1,698.70 | $1,698.70 | 7.625% | No | No | Self-Employed | US Citizen | $4,111.86 | 1 | $1,221.00 | 49.238% | 49.238% | 49.238% | 04/11/2022 | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,475.00 | 5.310% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $10,320.56 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639494 | Exempt from ATR | Yes | No | $7,380.00 | $9,635.83 | 7.779% | $2,041.71 | $2,041.71 | 7.500% | No | No | Self-Employed | US Citizen | $13,276.94 | 1 | $2,576.04 | 37.374% | 37.374% | 37.374% | 06/22/2022 | 800 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,380.00 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $183,992.62 | 50.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639495 | Exempt from ATR | Yes | No | $10,375.00 | $13,479.44 | 7.243% | $2,102.17 | $2,102.17 | 6.875% | No | No | Self-Employed | US Citizen | $15,920.64 | 1 | $1,971.96 | 19.288% | 19.288% | 19.288% | 05/03/2022 | 729 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,375.00 | 5.310% | $220,000.00 | 1.0 | None | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $40,000.00 | 6.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639496 | Exempt from ATR | Yes | No | $10,965.00 | $14,615.59 | 7.254% | $3,135.24 | $3,135.24 | 7.000% | No | No | Employed | US Citizen | $4,165.90 | 1 | $1,097.04 | 47.378% | 47.378% | 47.378% | 05/19/2022 | 757 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,965.00 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $36,885.61 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639498 | Exempt from ATR | Yes | No | $31,575.00 | $52,240.00 | 7.615% | $20,976.44 | $20,976.44 | 7.500% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | US Citizen | $276,602.52 | 1 | $19,388.04 | 13.210% | 13.210% | 13.210% | 06/01/2022 | 753 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $31,575.00 | 5.860% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $430,000.00 | 10.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639499 | Exempt from ATR | Yes | No | $4,395.00 | $3,389.34 | 7.372% | $1,282.49 | $1,282.49 | 7.250% | No | No | Employed | US Citizen | $4,430.83 | 1 | $1,452.00 | 31.833% | 31.833% | 31.833% | 05/26/2022 | 780 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,395.00 | 5.160% | $10,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $90,725.58 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639500 | Exempt from ATR | Yes | No | $12,712.00 | $17,660.33 | 7.872% | $2,964.67 | $2,964.67 | 7.500% | No | No | Employed | Permanent Resident Alien | $10,771.15 | 1 | $2,703.96 | 32.680% | 32.680% | 32.680% | 05/11/2022 | 758 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,712.00 | 5.310% | $500.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $249,515.45 | 47.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639501 | Exempt from ATR | Yes | No | $4,515.00 | $5,939.87 | 7.295% | $1,131.01 | $1,131.01 | 7.000% | No | No | Employed | Non-Permanent Resident Alien | $6,935.44 | 1 | $1,478.04 | 24.341% | 24.341% | 24.341% | 04/28/2022 | 705 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,515.00 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $318,865.91 | 69.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639502 | Exempt from ATR | Yes | No | $9,825.00 | $12,067.81 | 7.449% | $2,223.27 | $2,223.27 | 7.125% | No | No | Employed | Non-Permanent Resident Alien | $4,410.60 | 1 | $917.04 | 45.549% | 45.549% | 45.549% | 06/22/2022 | 737 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,825.00 | 5.860% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $2,753.16 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639504 | Exempt from ATR | Yes | No | $11,680.00 | $4,348.96 | 7.525% | $3,496.07 | $3,496.07 | 7.500% | No | No | Self-Employed | US Citizen | $17,398.20 | 1 | $1,583.04 | 24.356% | 24.356% | 24.356% | 05/01/2022 | 775 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,680.00 | 5.860% | $145,000.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $175,641.90 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639505 | Exempt from ATR | Yes | No | $6,426.00 | $8,402.64 | 7.292% | $1,613.69 | $1,613.69 | 7.000% | No | No | Self-Employed | US Citizen | $5,902.02 | 1 | $2,290.92 | 35.039% | 35.039% | 35.039% | 05/26/2022 | 766 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $6,426.00 | 5.860% | $0.00 | None | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $9,892.69 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639506 | Exempt from ATR | Yes | No | $13,106.25 | $17,316.17 | 7.445% | $3,183.32 | $3,183.32 | 7.125% | No | No | Self-Employed | Permanent Resident Alien | $4,602.36 | 1 | $1,062.96 | 46.520% | 46.520% | 46.520% | 04/22/2022 | 701 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $13,106.25 | 5.860% | $0.00 | None | N/A | No | 7.125% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $202,598.63 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639507 | Exempt from ATR | Yes | No | $7,450.00 | $9,324.67 | 6.843% | $1,485.36 | $1,485.36 | 6.500% | No | No | Self-Employed | Permanent Resident Alien | $4,072.00 | 1 | $1,434.00 | 42.985% | 42.985% | 42.985% | 04/27/2022 | 722 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,450.00 | 5.860% | $0.00 | None | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $337,884.66 | 63.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639508 | Exempt from ATR | Yes | No | $4,840.00 | $6,683.75 | 7.002% | $1,426.92 | $1,426.92 | 6.750% | No | No | Employed | Permanent Resident Alien | $4,153.01 | 1 | $1,240.80 | 36.108% | 36.108% | 36.108% | 05/11/2022 | 759 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,840.00 | 5.860% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $64,431.62 | 13.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639509 | Exempt from ATR | Yes | No | $8,470.00 | $11,782.50 | 7.751% | $2,768.89 | $2,768.89 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | $5,057.60 | 1 | $465.96 | 43.804% | 43.804% | 43.804% | 05/11/2022 | 756 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,470.00 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $40,058.11 | 8.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639510 | Exempt from ATR | Yes | No | $5,772.38 | $4,984.51 | 7.468% | $1,272.60 | $1,272.60 | 7.250% | No | No | Self-Employed | US Citizen | $5,965.71 | 1 | $1,628.04 | 37.203% | 37.203% | 37.203% | 04/12/2022 | 726 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,772.38 | 5.310% | $13,200.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $15,203.53 | 7.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639511 | Exempt from ATR | Yes | No | $9,570.00 | $12,995.50 | 7.258% | $2,807.58 | $2,807.58 | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $4,015.90 | 2 | $1,730.04 | 49.099% | 49.099% | 49.099% | 05/17/2022 | 804 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,570.00 | 5.160% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $196,251.85 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639512 | Exempt from ATR | Yes | No | $3,815.00 | $4,871.35 | 7.213% | $854.01 | $854.01 | 6.875% | No | No | Self-Employed | US Citizen | $5,091.68 | 1 | $873.00 | 24.687% | 24.687% | 24.687% | 05/20/2022 | 745 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,815.00 | 5.860% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 15.97 | No | $7,006.68 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639513 | Exempt from ATR | Yes | No | $15,918.75 | $20,844.69 | 7.782% | $4,457.49 | $4,457.49 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | $5,777.85 | 1 | $2,566.92 | 49.758% | 49.758% | 49.758% | 05/19/2022 | 710 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,918.75 | 5.860% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $226,495.39 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639514 | Exempt from ATR | Yes | No | $7,040.00 | $10,633.33 | 7.694% | $3,076.54 | $3,076.54 | 7.500% | No | No | Employed | Non-Permanent Resident Alien | $7,785.90 | 1 | $1,356.00 | 39.173% | 39.173% | 39.173% | 04/13/2022 | 773 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,040.00 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $193,927.62 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639515 | Exempt from ATR | Yes | No | $9,580.00 | $13,108.63 | 7.405% | $2,708.35 | $2,708.35 | 7.125% | No | No | Employed | Employed | US Citizen | US Citizen | $7,212.72 | 1 | $1,409.16 | 44.787% | 44.787% | 44.787% | 06/08/2022 | 707 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $9,580.00 | 5.330% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $126,917.74 | 24.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639517 | Exempt from ATR | Yes | No | $10,001.25 | $13,422.17 | 7.565% | $2,554.75 | $2,554.75 | 7.250% | No | No | Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $6,877.93 | 1 | $1,182.00 | 33.972% | 33.972% | 33.972% | 05/06/2022 | 718 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,001.25 | 5.310% | $0.00 | 1.0 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $175,416.27 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639518 | Exempt from ATR | Yes | No | $11,318.13 | $14,012.60 | 7.308% | $2,631.27 | $2,631.27 | 7.000% | No | No | Self-Employed | US Citizen | $6,141.55 | 1 | $1,494.00 | 35.803% | 35.803% | 35.803% | 05/13/2022 | 695 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,318.13 | 5.880% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $110,507.01 | 20.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639519 | Exempt from ATR | Yes | No | $10,150.00 | $13,969.71 | 7.867% | $3,482.35 | $3,482.35 | 7.625% | No | No | Self-Employed | US Citizen | $8,439.54 | 1 | $2,487.00 | 38.259% | 38.259% | 38.259% | 06/16/2022 | 724 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,150.00 | 5.880% | $1,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $106,109.10 | 17.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639520 | Exempt from ATR | Yes | No | $4,858.00 | $7,535.34 | 7.428% | $2,263.46 | $2,263.46 | 7.250% | No | No | Employed | US Citizen | $6,328.40 | 3 | $2,696.04 | 32.497% | 32.497% | 32.497% | 06/08/2022 | 790 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,858.00 | 5.860% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $295,090.00 | 62.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639521 | Exempt from ATR | Yes | No | $10,801.00 | $13,677.24 | 7.626% | $3,186.08 | $3,186.08 | 7.375% | No | No | Self-Employed | US Citizen | $31,446.94 | 1 | $5,189.04 | 19.705% | 19.705% | 19.705% | 06/05/2022 | 692 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 1 | 0 | 0 | 0 | None | $10,801.00 | 5.880% | $6,000.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $6,500.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639522 | Exempt from ATR | Yes | No | $14,990.00 | $20,965.28 | 7.787% | $7,502.61 | $7,502.61 | 7.625% | No | No | Employed | US Citizen | $10,886.21 | 2 | $2,885.04 | 45.512% | 45.512% | 45.512% | 06/18/2022 | 674 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,990.00 | 3.920% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $7,615.65 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639523 | Exempt from ATR | Yes | No | $4,075.75 | $5,812.95 | 7.864% | $778.39 | $778.39 | 7.375% | No | No | Self-Employed | US Citizen | $10,189.33 | 1 | $771.00 | 8.184% | 8.184% | 8.184% | 04/18/2022 | 706 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $4,075.75 | 5.880% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $49,337.65 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639524 | Exempt from ATR | Yes | No | $6,630.00 | $8,898.33 | 7.348% | $1,516.89 | $1,516.89 | 7.000% | No | No | Self-Employed | Permanent Resident Alien | $8,714.43 | 1 | $0.00 | 29.840% | 29.840% | 29.840% | 04/28/2022 | 787 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,630.00 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $258,739.46 | 68.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639525 | Exempt from ATR | Yes | No | $7,600.00 | $8,654.00 | 7.199% | $1,580.57 | $1,580.57 | 6.875% | No | No | Self-Employed | US Citizen | $3,702.26 | 1 | $2,049.48 | 38.775% | 38.775% | 38.775% | 05/17/2022 | 684 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,600.00 | 5.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $760.08 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639526 | Exempt from ATR | Yes | No | $5,887.50 | $8,784.48 | 7.459% | $2,353.51 | $2,353.51 | 7.250% | No | No | Employed | US Citizen | $3,938.41 | 1 | $990.00 | 45.300% | 45.300% | 45.300% | 05/06/2022 | 797 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,887.50 | 5.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $72,562.62 | 16.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639527 | Exempt from ATR | Yes | No | $5,275.01 | $7,441.46 | 7.737% | $1,289.84 | $1,289.84 | 7.375% | No | No | Self-Employed | US Citizen | $5,209.95 | 1 | $285.96 | 36.194% | 36.194% | 36.194% | 05/13/2022 | 700 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,275.01 | 5.310% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $123,505.24 | 50.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639528 | Exempt from ATR | Yes | No | $11,770.00 | $15,691.94 | 7.579% | $4,351.25 | $4,351.25 | 7.375% | No | No | Self-Employed | US Citizen | $9,795.06 | 2 | $1,347.96 | 43.813% | 43.813% | 43.813% | 05/26/2022 | 797 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $11,770.00 | 5.880% | $0.00 | None | N/A | No | 7.375% | 0 | 1 | 0 | 0 | 0 | 12.00 | No | $287,500.00 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639529 | Exempt from ATR | Yes | No | $7,052.50 | $10,494.00 | 7.444% | $3,008.40 | $3,008.40 | 7.250% | No | No | Employed | Non-Permanent Resident Alien | $6,581.39 | 1 | $1,569.96 | 35.477% | 35.477% | 35.477% | 06/28/2022 | 710 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,052.50 | 5.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $245,039.89 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639530 | Exempt from ATR | Yes | No | $9,450.00 | $13,290.00 | 7.503% | $3,069.79 | $3,069.79 | 7.250% | No | No | Self-Employed | Permanent Resident Alien | $7,600.38 | 1 | $1,386.00 | 36.268% | 36.268% | 36.268% | 04/11/2022 | 730 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,450.00 | 5.880% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $108,665.40 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639531 | Exempt from ATR | Yes | No | $11,227.50 | $14,425.25 | 7.420% | $2,890.25 | $2,890.25 | 7.125% | No | No | Self-Employed | US Citizen | $8,564.70 | 1 | $1,260.00 | 49.093% | 49.093% | 49.093% | 05/03/2022 | 709 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 1 | 0 | 0 | 0 | None | $11,227.50 | 5.880% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $63,422.47 | 9.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639532 | Exempt from ATR | Yes | No | $10,687.50 | $14,105.00 | 7.559% | $2,762.81 | $2,762.81 | 7.250% | No | No | Employed | US Citizen | $6,695.71 | 1 | $2,160.00 | 42.029% | 42.029% | 42.029% | 05/17/2022 | 737 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,687.50 | 5.860% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $2,987.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639533 | Exempt from ATR | Yes | No | $14,313.75 | $16,932.75 | 7.353% | $2,864.13 | $2,864.13 | 7.000% | No | No | Self-Employed | US Citizen | $8,572.78 | 1 | $845.04 | 43.393% | 43.393% | 43.393% | 06/15/2022 | 784 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,313.75 | 5.880% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | $52,156.47 | 8.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639534 | Exempt from ATR | Yes | No | $25,281.00 | $29,515.68 | 7.959% | $5,792.58 | $5,792.58 | 7.625% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $19,917.00 | 1 | $6,555.00 | 41.727% | 41.727% | 41.727% | 06/23/2022 | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $25,281.00 | 5.880% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $336,262.38 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639535 | Exempt from ATR | Yes | No | $13,876.88 | $17,714.04 | 7.666% | $3,776.27 | $3,776.27 | 7.375% | No | No | Employed | Non-Permanent Resident Alien | $8,490.97 | 2 | $1,659.96 | 34.685% | 34.685% | 34.685% | 04/20/2022 | 765 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,876.88 | 5.380% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $276,252.40 | 38.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639536 | Exempt from ATR | Yes | No | $24,097.50 | $28,078.16 | 8.202% | $5,938.32 | $5,938.32 | 7.875% | No | No | Self-Employed | Permanent Resident Alien | $9,897.49 | 3 | $4,194.96 | 43.739% | 43.739% | 43.739% | 05/10/2022 | 688 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $24,097.50 | 5.310% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639537 | Exempt from ATR | Yes | No | $9,300.00 | $11,574.67 | 8.281% | $2,758.95 | $2,758.95 | 8.000% | No | No | Employed | US Citizen | $6,937.40 | 1 | $404.64 | 40.958% | 40.958% | 40.958% | 05/05/2022 | 749 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,300.00 | 5.880% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639538 | Exempt from ATR | Yes | No | $1,575.00 | $4,363.42 | 7.301% | $3,197.70 | $3,197.70 | 7.250% | No | No | Self-Employed | US Citizen | $5,279.39 | 1 | $1,392.96 | 44.428% | 44.428% | 44.428% | 04/28/2022 | 752 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $1,575.00 | 5.880% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $80,923.96 | 13.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639539 | Exempt from ATR | Yes | No | $4,100.00 | $5,199.58 | 7.851% | $1,415.59 | $1,415.59 | 7.625% | No | No | Self-Employed | US Citizen | $6,736.14 | 1 | $830.64 | 22.156% | 22.156% | 22.156% | 06/07/2022 | 735 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,100.00 | 5.880% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $167,491.28 | 65.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639540 | Exempt from ATR | Yes | No | $9,825.00 | $11,994.38 | 8.001% | $2,123.38 | $2,123.38 | 7.625% | No | No | Self-Employed | Permanent Resident Alien | $5,711.59 | 1 | $819.96 | 32.164% | 32.164% | 32.164% | 05/25/2022 | 757 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,825.00 | 5.310% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $107,168.25 | 29.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639541 | Exempt from ATR | Yes | No | $8,662.50 | $11,629.69 | 7.587% | $2,148.86 | $2,148.86 | 7.250% | No | No | Self-Employed | US Citizen | $7,384.61 | 1 | $1,473.00 | 43.638% | 43.638% | 43.638% | 05/10/2022 | 672 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,662.50 | 5.880% | $0.00 | 2.6 | None | Yes | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $425,355.57 | 68.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639542 | Exempt from ATR | Yes | No | $19,245.00 | $23,121.46 | 7.646% | $5,387.27 | $5,387.27 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $16,701.88 | 1 | $396.00 | 36.034% | 36.034% | 36.034% | 06/10/2022 | 809 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 [Coborrower(s) - | Non-Primary Income - Pension]; Paystubs - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $19,245.00 | 5.880% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 17.47 | No | $641.98 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639543 | Exempt from ATR | Yes | No | $15,120.00 | $19,209.17 | 7.751% | $4,747.67 | $4,747.67 | 7.500% | No | No | Employed | US Citizen | $18,453.34 | 1 | $2,604.00 | 27.003% | 27.003% | 27.003% | 05/03/2022 | 782 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,120.00 | 5.880% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $283,444.51 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639544 | Exempt from ATR | Yes | No | $6,775.00 | $8,335.00 | 7.131% | $1,297.20 | $1,297.20 | 6.750% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,102.19 | 1 | $2,090.04 | 33.967% | 33.967% | 33.967% | 05/18/2022 | 744 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $6,775.00 | 5.880% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $230,074.63 | 66.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639545 | Exempt from ATR | Yes | No | $14,871.25 | $18,632.29 | 8.038% | $4,244.74 | $4,244.74 | 7.750% | No | No | Employed | US Citizen | $6,415.63 | 2 | $1,422.00 | 46.251% | 46.251% | 46.251% | 05/03/2022 | 702 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,871.25 | 5.160% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $207,786.23 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639546 | Exempt from ATR | Yes | No | $3,830.25 | $6,223.58 | 8.519% | $880.52 | $880.52 | 8.000% | No | No | Self-Employed | Permanent Resident Alien | $2,035.18 | 1 | $203.04 | 40.253% | 40.253% | 40.253% | 05/24/2022 | 771 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,830.25 | 5.880% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $62,574.98 | 42.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639547 | Exempt from ATR | Yes | No | $8,775.00 | $12,565.00 | 7.762% | $5,096.11 | $5,096.11 | 7.625% | No | No | Self-Employed | US Citizen | $14,240.23 | 1 | $3,921.96 | 36.497% | 36.497% | 36.497% | 06/06/2022 | 725 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,775.00 | 5.880% | $40,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $204,348.30 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639548 | Exempt from ATR | Yes | No | $6,134.38 | $8,141.57 | 7.888% | $1,431.64 | $1,431.64 | 7.500% | No | No | Self-Employed | Permanent Resident Alien | $4,489.75 | 1 | $1,002.96 | 40.238% | 40.238% | 40.238% | 04/19/2022 | 699 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,134.38 | 5.330% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $18,083.79 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639549 | Exempt from ATR | Yes | No | $10,125.00 | $13,259.24 | 7.951% | $2,689.62 | $2,689.62 | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $4,638.23 | 1 | $2,970.00 | 49.062% | 49.062% | 49.062% | 06/29/2022 | 753 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2018 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,125.00 | 5.310% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $186,441.63 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639550 | Exempt from ATR | Yes | No | $4,970.00 | $6,351.04 | 7.720% | $1,184.51 | $1,184.51 | 7.375% | No | No | Self-Employed | US Citizen | $5,049.24 | 1 | $1,070.04 | 39.209% | 39.209% | 39.209% | 06/24/2022 | 698 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,970.00 | 5.880% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $1,406.92 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639551 | Exempt from ATR | Yes | No | $14,662.51 | $17,472.64 | 7.630% | $2,941.89 | $2,941.89 | 7.250% | No | No | Employed | Employed | US Citizen | US Citizen | $5,830.17 | 1 | $966.00 | 44.283% | 44.283% | 44.283% | 05/01/2022 | 760 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Coborrower(s) - | Primary Income - Wages]; The Work Number - Income - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $14,662.51 | 5.880% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $13,320.56 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639552 | Exempt from ATR | Yes | No | $4,620.00 | $6,380.50 | 8.475% | $1,306.80 | $1,306.80 | 8.125% | No | No | Employed | US Citizen | $3,531.27 | 1 | $2,889.12 | 49.553% | 49.553% | 49.553% | 06/15/2022 | 740 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,620.00 | 5.780% | $0.00 | None | N/A | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $36,673.58 | 17.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639554 | Exempt from ATR | Yes | No | $7,175.00 | $8,752.56 | 7.743% | $2,260.91 | $2,260.91 | 7.500% | No | No | Employed | US Citizen | $7,014.04 | 1 | $537.96 | 38.111% | 38.111% | 38.111% | 06/15/2022 | 807 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,175.00 | 5.780% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $18,980.03 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639555 | Exempt from ATR | Yes | No | $6,290.00 | $9,038.75 | 7.078% | $1,621.50 | $1,621.50 | 6.750% | No | No | Employed | US Citizen | $5,756.97 | 1 | $1,809.96 | 36.034% | 36.034% | 36.034% | 05/17/2022 | 784 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,290.00 | 5.880% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $289,356.81 | 61.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639556 | Exempt from ATR | Yes | No | $14,575.00 | $18,560.83 | 7.619% | $9,089.79 | $9,089.79 | 7.500% | No | No | Self-Employed | US Citizen | $33,768.74 | 1 | $5,439.96 | 33.780% | 33.780% | 33.780% | 05/23/2022 | 685 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,575.00 | 5.780% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639557 | Exempt from ATR | Yes | No | $20,290.00 | $24,950.00 | 7.743% | $6,432.77 | $6,432.77 | 7.500% | No | No | Self-Employed | US Citizen | $14,406.46 | 1 | $3,003.96 | 34.187% | 34.187% | 34.187% | 07/06/2022 | 786 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $20,290.00 | 5.860% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $117,500.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639558 | Exempt from ATR | Yes | No | $8,981.25 | $10,343.17 | 7.699% | $2,046.13 | $2,046.13 | 7.375% | No | No | Self-Employed | US Citizen | $5,827.56 | 1 | $893.04 | 33.815% | 33.815% | 33.815% | 05/26/2022 | 795 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,981.25 | 5.780% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $101,454.76 | 25.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639559 | Exempt from ATR | Yes | No | $6,495.00 | $8,472.19 | 7.364% | $1,083.93 | $1,083.93 | 6.875% | No | No | Self-Employed | US Citizen | $6,381.55 | 1 | $1,268.04 | 33.051% | 33.051% | 33.051% | 05/27/2022 | 725 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,495.00 | 5.310% | $0.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $242,382.65 | 77.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639561 | Exempt from ATR | Yes | No | $11,055.63 | $13,586.71 | 7.594% | $3,755.55 | $3,755.55 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $12,923.42 | 1 | $1,451.88 | 29.822% | 29.822% | 29.822% | 07/05/2022 | 783 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $11,055.63 | 5.780% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.07 | No | $452,501.90 | 62.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639562 | Exempt from ATR | Yes | No | $15,975.00 | $23,375.50 | 7.968% | $6,877.56 | $6,877.56 | 7.750% | No | No | Self-Employed | US Citizen | $11,385.92 | 1 | $2,835.96 | 42.608% | 42.608% | 42.608% | 06/16/2022 | 730 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,975.00 | 5.780% | $0.00 | 3.1 | None | No | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $546,395.02 | 46.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639564 | Exempt from ATR | Yes | No | $10,865.00 | $13,621.11 | 8.439% | $3,088.79 | $3,088.79 | 8.125% | No | No | Self-Employed | Permanent Resident Alien | $4,194.66 | 1 | $486.96 | 47.329% | 47.329% | 47.329% | 05/02/2022 | 747 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,865.00 | 5.310% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $157,706.53 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639566 | Exempt from ATR | Yes | No | $28,700.00 | $38,404.69 | 8.023% | $15,734.01 | $15,734.01 | 7.875% | No | No | Self-Employed | US Citizen | $19,247.61 | 1 | $4,485.00 | 48.678% | 48.678% | 48.678% | 05/06/2022 | 717 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Business License - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $28,700.00 | 5.160% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $1,269,735.42 | 41.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639567 | Exempt from ATR | Yes | No | $9,865.00 | $12,650.10 | 7.448% | $3,786.08 | $3,786.08 | 7.250% | No | No | Employed | Permanent Resident Alien | $5,404.36 | 1 | $1,731.00 | 45.956% | 45.956% | 45.956% | 06/06/2022 | 793 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,865.00 | 5.310% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $202,122.14 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639569 | Exempt from ATR | Yes | No | $5,066.25 | $6,852.46 | 7.466% | $1,905.32 | $1,905.32 | 7.250% | No | No | Self-Employed | Not Employed | US Citizen | Permanent Resident Alien | $4,353.45 | 1 | $1,547.04 | 38.062% | 38.062% | 38.062% | 05/09/2022 | 780 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,066.25 | 5.860% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $165,313.03 | 41.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639570 | Exempt from ATR | Yes | No | $6,900.00 | $8,432.59 | 7.376% | $1,417.09 | $1,417.09 | 7.000% | No | No | Employed | Employed | US Citizen | US Citizen | $7,943.28 | 1 | $897.00 | 21.919% | 21.919% | 21.919% | 05/10/2022 | 780 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $6,900.00 | 5.780% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $268,520.32 | 85.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639571 | Exempt from ATR | Yes | No | $8,007.00 | $9,800.47 | 8.034% | $2,303.98 | $2,303.98 | 7.750% | No | No | Employed | US Citizen | $4,338.63 | 1 | $2,104.80 | 45.199% | 45.199% | 45.199% | 06/15/2022 | 739 | No | No | [Borrower - | Primary Income - Wages]; Employer Letter - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,007.00 | 5.780% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $123,143.77 | 30.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639572 | Exempt from ATR | Yes | No | $3,728.38 | $4,386.30 | 7.865% | $832.07 | $832.07 | 7.500% | No | No | Self-Employed | US Citizen | $2,603.60 | 1 | $849.00 | 28.584% | 28.584% | 28.584% | 05/31/2022 | 768 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,728.38 | 3.990% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $13,932.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639573 | Exempt from ATR | Yes | No | $7,775.00 | $8,790.50 | 8.232% | $1,798.17 | $1,798.17 | 7.875% | No | No | Self-Employed | US Citizen | $3,084.16 | 1 | $2,876.04 | 49.146% | 49.146% | 49.146% | 05/10/2022 | 669 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,775.00 | 5.880% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $132,671.96 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639574 | Exempt from ATR | Yes | No | $13,205.00 | $0.00 | 7.222% | $2,810.57 | $2,810.57 | 7.250% | No | No | Self-Employed | US Citizen | $14,983.07 | 1 | $1,296.96 | 19.710% | 19.710% | 19.710% | 06/10/2022 | 752 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,205.00 | 5.780% | $25,000.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $32,688.23 | 6.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639575 | Exempt from ATR | Yes | No | $9,371.25 | $10,265.56 | 7.595% | $1,933.97 | $1,933.97 | 7.250% | No | No | Employed | US Citizen | $3,138.38 | 1 | $2,044.80 | 44.103% | 44.103% | 44.103% | 06/10/2022 | 736 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $9,371.25 | 5.780% | $1,200.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $148,123.49 | 37.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639576 | Exempt from ATR | Yes | No | $12,775.00 | $14,120.06 | 8.094% | $2,865.65 | $2,865.65 | 7.750% | No | No | Self-Employed | US Citizen | $10,565.83 | 1 | $1,766.88 | 24.801% | 24.801% | 24.801% | 06/23/2022 | 801 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
1 Year Tax Returns | 0 | 0 | 0 | None | $12,775.00 | 5.780% | $0.00 | None | N/A | No | 7.750% | 0 | 1 | 0 | 0 | 0 | 12.00 | No | $149,834.12 | 30.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639577 | Exempt from ATR | Yes | No | $11,307.00 | $15,939.91 | 7.977% | $4,648.08 | $4,648.08 | 7.750% | No | No | Self-Employed | US Citizen | $8,465.70 | 1 | $1,827.36 | 40.512% | 40.512% | 40.512% | 06/14/2022 | 808 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $11,307.00 | 5.780% | $7,500.00 | None | N/A | No | 7.750% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $126,974.45 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639578 | Exempt from ATR | Yes | No | $8,868.75 | $10,479.69 | 8.713% | $1,746.69 | $1,746.69 | 8.250% | No | No | Employed | US Citizen | $5,696.74 | 1 | $2,305.56 | 45.311% | 45.311% | 45.311% | 06/16/2022 | 712 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,868.75 | 5.370% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $116,952.31 | 38.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639579 | Exempt from ATR | Yes | No | $10,103.00 | $11,635.58 | 8.135% | $3,091.70 | $3,091.70 | 7.875% | No | No | Self-Employed | US Citizen | $5,511.85 | 1 | $861.00 | 42.863% | 42.863% | 42.863% | 05/14/2022 | 761 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,103.00 | 5.160% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $82,545.58 | 15.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639581 | Exempt from ATR | Yes | No | $11,175.00 | $13,226.42 | 7.126% | $3,152.60 | $3,152.60 | 6.875% | No | No | Self-Employed | US Citizen | $6,192.06 | 1 | $846.96 | 40.866% | 40.866% | 40.866% | 06/09/2022 | 722 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,175.00 | 5.780% | $1,500.00 | None | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $525,431.89 | 66.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639582 | Exempt from ATR | Yes | No | $7,982.50 | $9,895.67 | 8.852% | $2,206.78 | $2,206.78 | 8.500% | No | No | Employed | US Citizen | $118,033.29 | 1 | $0.00 | 21.311% | 21.311% | 21.311% | 04/27/2022 | 705 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,982.50 | 5.860% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $240,610.57 | 59.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639584 | Exempt from ATR | Yes | No | $11,151.00 | $14,161.85 | 7.822% | $2,975.86 | $2,975.86 | 7.500% | No | No | Self-Employed | US Citizen | $13,357.81 | 1 | $1,450.20 | 31.461% | 31.461% | 31.461% | 05/06/2022 | 718 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,151.00 | 5.780% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $353,532.66 | 62.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639585 | Exempt from ATR | Yes | No | $4,611.25 | $6,152.31 | 8.847% | $1,037.50 | $1,037.50 | 8.375% | No | No | Employed | US Citizen | $6,313.00 | 1 | $660.96 | 24.244% | 24.244% | 24.244% | 06/09/2022 | 683 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,611.25 | 5.780% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $71,910.09 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639588 | Exempt from ATR | Yes | No | $13,544.63 | $15,966.41 | 7.938% | $3,529.41 | $3,529.41 | 7.625% | No | No | Self-Employed | US Citizen | $8,736.05 | 1 | $1,623.96 | 34.722% | 34.722% | 34.722% | 04/29/2022 | 800 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,544.63 | 5.580% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $103,757.80 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639589 | Exempt from ATR | Yes | No | $7,476.00 | $9,701.35 | 8.760% | $1,976.19 | $1,976.19 | 8.375% | No | No | Self-Employed | US Citizen | $3,618.88 | 1 | $1,226.04 | 42.290% | 42.290% | 42.290% | 07/21/2022 | 722 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; Balance Sheet - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,476.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $52,398.69 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639590 | Exempt from ATR | Yes | No | $8,556.25 | $10,378.91 | 8.652% | $1,533.26 | $1,533.26 | 8.125% | No | No | Self-Employed | US Citizen | $9,685.32 | 1 | $794.04 | 32.072% | 32.072% | 32.072% | 04/27/2022 | 720 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,556.25 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $9,420.21 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639591 | Exempt from ATR | Yes | No | $14,625.00 | $17,081.88 | 7.889% | $3,041.58 | $3,041.58 | 7.500% | No | No | Self-Employed | US Citizen | $8,382.90 | 1 | $2,159.04 | 46.623% | 46.623% | 46.623% | 05/10/2022 | 711 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,625.00 | 5.780% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $279,253.26 | 38.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639592 | Exempt from ATR | Yes | No | $7,525.00 | $9,408.13 | 8.418% | $1,305.12 | $1,305.12 | 7.875% | No | No | Self-Employed | US Citizen | $10,473.28 | 1 | $708.96 | 18.552% | 18.552% | 18.552% | 05/10/2022 | 729 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,525.00 | 5.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 7.00 | No | $71,668.00 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639594 | Exempt from ATR | Yes | No | $5,965.61 | $7,489.99 | 8.292% | $1,855.32 | $1,855.32 | 8.000% | No | No | Self-Employed | US Citizen | $8,178.66 | 1 | $2,770.92 | 33.013% | 33.013% | 33.013% | 04/25/2022 | 702 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,965.61 | 5.370% | $3,372.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $134,624.15 | 40.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639595 | Exempt from ATR | Yes | No | $17,370.00 | $20,460.13 | 7.527% | $4,788.88 | $4,788.88 | 7.250% | No | No | Self-Employed | US Citizen | $12,432.14 | 1 | $1,175.04 | 40.354% | 40.354% | 40.354% | 05/18/2022 | 769 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,370.00 | 5.780% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $430,569.17 | 40.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639596 | Exempt from ATR | Yes | No | $18,547.50 | $21,274.24 | 7.945% | $4,607.74 | $4,607.74 | 7.625% | No | No | Self-Employed | Non-Permanent Resident Alien | $26,013.38 | 1 | $3,282.00 | 20.633% | 20.633% | 20.633% | 06/16/2022 | 680 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $18,547.50 | 5.780% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $379,121.10 | 41.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639597 | Exempt from ATR | Yes | No | $12,640.00 | $14,520.26 | 8.634% | $4,218.40 | $4,218.40 | 8.375% | No | No | Self-Employed | US Citizen | $16,708.74 | 1 | $2,025.00 | 40.970% | 40.970% | 40.970% | 05/26/2022 | 737 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2014 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,640.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $244,001.53 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639598 | Exempt from ATR | Yes | No | $13,425.00 | $14,494.34 | 8.109% | $2,879.98 | $2,879.98 | 7.750% | No | No | Employed | US Citizen | $14,128.17 | 1 | $2,784.96 | 33.629% | 33.629% | 33.629% | 06/15/2022 | 729 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,425.00 | 5.370% | $3,000.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $189,542.56 | 34.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639599 | Exempt from ATR | Yes | No | $7,845.00 | $9,569.75 | 8.058% | $1,613.77 | $1,613.77 | 7.625% | No | No | Employed | US Citizen | $5,980.29 | 1 | $735.96 | 25.246% | 25.246% | 25.246% | 05/10/2022 | 700 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,845.00 | 5.370% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $25,187.63 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639600 | Exempt from ATR | Yes | No | $12,681.56 | $16,725.67 | 8.346% | $5,464.78 | $5,464.78 | 8.125% | No | No | Self-Employed | US Citizen | $9,643.39 | 1 | $1,242.00 | 44.264% | 44.264% | 44.264% | 06/29/2022 | 793 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,681.56 | 5.780% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639601 | Exempt from ATR | Yes | No | $11,475.00 | $13,423.02 | 7.790% | $2,279.23 | $2,279.23 | 7.375% | No | No | Self-Employed | US Citizen | $6,439.75 | 1 | $1,934.04 | 42.167% | 42.167% | 42.167% | 04/28/2022 | 746 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2013 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $11,475.00 | 5.860% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $16,926.65 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639603 | Exempt from ATR | Yes | No | $4,840.00 | $6,526.50 | 7.683% | $2,307.41 | $2,307.41 | 7.500% | No | No | Employed | Permanent Resident Alien | $5,600.19 | 1 | $1,124.04 | 39.128% | 39.128% | 39.128% | 05/24/2022 | 805 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,840.00 | 5.370% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $154,224.45 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639604 | Exempt from ATR | Yes | No | $10,390.00 | $12,812.24 | 7.907% | $3,131.99 | $3,131.99 | 7.625% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $5,626.72 | 1 | $1,059.00 | 40.067% | 40.067% | 40.067% | 06/13/2022 | 785 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $10,390.00 | 5.370% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $190,392.85 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639605 | Exempt from ATR | Yes | No | $6,108.00 | $7,660.08 | 8.299% | $3,082.85 | $3,082.85 | 8.125% | No | No | Self-Employed | Permanent Resident Alien | $6,849.93 | 1 | $789.96 | 36.630% | 36.630% | 36.630% | 06/14/2022 | 773 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $6,108.00 | 5.370% | $1,500.00 | None | N/A | No | 8.125% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $161,208.53 | 30.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639606 | Exempt from ATR | Yes | No | $11,780.00 | $13,770.56 | 8.392% | $3,801.59 | $3,801.59 | 8.125% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $6,401.14 | 1 | $1,032.96 | 44.725% | 44.725% | 44.725% | 06/13/2022 | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $11,780.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $179,676.36 | 28.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639607 | Exempt from ATR | Yes | No | $5,890.00 | $6,778.60 | 7.595% | $2,002.96 | $2,002.96 | 7.375% | No | No | Employed | Permanent Resident Alien | $4,932.60 | 1 | $1,578.96 | 34.232% | 34.232% | 34.232% | 06/21/2022 | 798 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,890.00 | 5.370% | ($1,500.00) | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $173,360.55 | 42.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639608 | Exempt from ATR | Yes | No | $24,262.50 | $30,178.75 | 8.754% | $6,270.60 | $6,270.60 | 8.375% | No | No | Self-Employed | US Citizen | $13,085.18 | 2 | $1,743.00 | 35.596% | 35.596% | 35.596% | 07/05/2022 | 709 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $24,262.50 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $218,975.91 | 20.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639609 | Exempt from ATR | Yes | No | $12,100.00 | $2,279.99 | 8.154% | $3,920.39 | $3,920.39 | 8.125% | No | No | Self-Employed | US Citizen | $7,590.62 | 1 | $1,683.00 | 40.609% | 40.609% | 40.609% | 04/27/2022 | 751 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,100.00 | 5.160% | $31,500.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $35,107.79 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639610 | Exempt from ATR | Yes | No | $13,779.00 | $2,816.05 | 8.438% | $2,863.95 | $2,863.95 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,764.04 | 1 | $1,953.00 | 45.260% | 45.260% | 45.260% | 05/03/2022 | 730 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,779.00 | 5.370% | $26,000.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $73,294.35 | 16.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639611 | Exempt from ATR | Yes | No | $9,525.00 | $11,253.75 | 8.448% | $2,672.99 | $2,672.99 | 8.125% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,045.08 | 1 | $703.68 | 29.302% | 29.302% | 29.302% | 05/24/2022 | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,525.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $86,981.33 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639612 | Exempt from ATR | Yes | No | $15,040.00 | $17,233.33 | 8.292% | $4,402.59 | $4,402.59 | 8.000% | No | No | Self-Employed | US Citizen | $7,753.34 | 1 | $1,514.04 | 39.468% | 39.468% | 39.468% | 06/03/2022 | 792 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,040.00 | 5.370% | $0.00 | None | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $223,747.91 | 30.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639613 | Exempt from ATR | Yes | No | $4,325.00 | $5,547.26 | 8.634% | $1,672.16 | $1,672.16 | 8.375% | No | No | Self-Employed | US Citizen | $3,835.31 | 1 | $1,221.96 | 43.943% | 43.943% | 43.943% | 06/13/2022 | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,325.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $2,000.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639615 | Exempt from ATR | Yes | No | $19,785.00 | $22,038.17 | 8.672% | $5,898.16 | $5,898.16 | 8.375% | No | No | Employed | Permanent Resident Alien | $8,240.27 | 1 | $2,283.96 | 48.498% | 48.498% | 48.498% | 05/05/2022 | 795 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $19,785.00 | 5.880% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $203,826.15 | 21.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639616 | Exempt from ATR | Yes | No | $11,925.00 | $14,767.50 | 7.861% | $2,894.75 | $2,894.75 | 7.500% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,921.17 | 1 | $1,440.00 | 40.389% | 40.389% | 40.389% | 05/27/2022 | 680 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,925.00 | 5.370% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 7.47 | No | $201,350.46 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639617 | Exempt from ATR | Yes | No | $15,940.00 | $18,180.00 | 8.383% | $5,345.98 | $5,345.98 | 8.125% | No | No | Self-Employed | US Citizen | $41,736.53 | 1 | $1,404.00 | 17.352% | 17.352% | 17.352% | 06/17/2022 | 702 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,940.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $96,000.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639618 | Exempt from ATR | Yes | No | $10,750.00 | $12,017.69 | 8.212% | $2,661.00 | $2,661.00 | 7.875% | No | No | Employed | US Citizen | $6,469.81 | 1 | $2,022.96 | 39.675% | 39.675% | 39.675% | 06/29/2022 | 727 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
Other | 0 | 0 | 0 | None | $10,750.00 | 5.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $95,445.78 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639619 | Exempt from ATR | Yes | No | $13,027.00 | $14,213.33 | 8.730% | $3,222.71 | $3,222.71 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $6,736.23 | 1 | $2,036.04 | 43.778% | 43.778% | 43.778% | 06/27/2022 | 765 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,027.00 | 5.580% | $0.00 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $74,289.64 | 14.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639621 | Exempt from ATR | Yes | No | $16,790.00 | $17,537.00 | 8.727% | $4,013.18 | $4,013.18 | 8.375% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $15,556.55 | 1 | $1,361.28 | 33.115% | 33.115% | 33.115% | 07/06/2022 | 720 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $16,790.00 | 5.580% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $10,000.00 | 2.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639622 | Exempt from ATR | Yes | No | $15,575.00 | $17,484.24 | 8.637% | $5,320.51 | $5,320.51 | 8.375% | No | No | Self-Employed | US Citizen | $10,157.43 | 1 | $2,655.96 | 45.040% | 45.040% | 45.040% | 06/03/2022 | 749 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,575.00 | 5.580% | $17,525.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $23,745.20 | 3.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639623 | Exempt from ATR | Yes | No | $7,342.50 | $9,027.78 | 8.356% | $1,283.37 | $1,283.37 | 7.875% | No | No | Self-Employed | US Citizen | $17,435.83 | 1 | $1,748.76 | 13.080% | 13.080% | 13.080% | 05/26/2022 | 688 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2020 [Borrower - | Primary Income - Sole Proprietor]; Other - 2004 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,342.50 | 5.880% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $8,845.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639624 | Exempt from ATR | Yes | No | $11,007.50 | $12,460.25 | 7.999% | $2,427.73 | $2,427.73 | 7.625% | No | No | Self-Employed | US Citizen | $7,933.24 | 1 | $2,861.04 | 35.436% | 35.436% | 35.436% | 05/04/2022 | 731 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,007.50 | 5.180% | $147,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $62,028.74 | 13.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639625 | Exempt from ATR | Yes | No | $9,975.00 | $11,762.08 | 7.548% | $1,886.41 | $1,886.41 | 7.125% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,043.07 | 1 | $1,177.08 | 43.027% | 43.027% | 43.027% | 05/16/2022 | 798 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $9,975.00 | 5.310% | $0.00 | 2.6 | None | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $272,492.12 | 53.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639626 | Exempt from ATR | Yes | No | $13,217.00 | $15,323.55 | 8.806% | $2,917.92 | $2,917.92 | 8.375% | No | No | Self-Employed | US Citizen | $5,864.16 | 1 | $3,511.08 | 43.473% | 43.473% | 43.473% | 06/01/2022 | 779 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $13,217.00 | 5.580% | $20,000.00 | None | N/A | No | 8.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $23,936.42 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639627 | Exempt from ATR | Yes | No | $12,506.25 | $14,450.92 | 8.510% | $2,951.43 | $2,951.43 | 8.125% | No | No | Self-Employed | US Citizen | $6,563.86 | 1 | $3,015.00 | 39.366% | 39.366% | 39.366% | 07/11/2022 | 710 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,506.25 | 5.580% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | $10,000.00 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639629 | Exempt from ATR | Yes | No | $16,745.00 | $18,075.86 | 8.006% | $5,165.33 | $5,165.33 | 7.750% | No | No | Self-Employed | Self-Employed | US Citizen | Permanent Resident Alien | $7,606.55 | 1 | $2,340.96 | 49.825% | 49.825% | 49.825% | 05/25/2022 | 732 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $16,745.00 | 5.880% | $17,000.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $378,227.67 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639630 | Exempt from ATR | Yes | No | $11,290.00 | $12,076.11 | 8.517% | $2,435.39 | $2,435.39 | 8.125% | No | No | Employed | US Citizen | $5,409.83 | 1 | $1,269.00 | 39.891% | 39.891% | 39.891% | 06/08/2022 | 748 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,290.00 | 5.580% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $2,977.70 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639631 | Exempt from ATR | Yes | No | $7,075.00 | $8,242.33 | 7.542% | $1,347.44 | $1,347.44 | 7.125% | No | No | Self-Employed | Not Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $8,088.14 | 1 | $1,992.00 | 27.372% | 27.372% | 27.372% | 07/08/2022 | 765 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,075.00 | 5.580% | $0.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $226,740.46 | 59.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639632 | Exempt from ATR | Yes | No | $8,534.75 | $9,328.37 | 8.116% | $2,898.10 | $2,898.10 | 7.875% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $6,402.12 | 1 | $1,278.96 | 46.597% | 46.597% | 46.597% | 06/03/2022 | 772 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,534.75 | 5.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $174,772.45 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639633 | Exempt from ATR | Yes | No | $37,668.75 | $1,976.77 | 7.891% | $9,516.54 | $9,516.54 | 7.875% | No | No | Self-Employed | US Citizen | $18,087.54 | 1 | $1,199.04 | 43.752% | 43.752% | 43.752% | 06/24/2022 | 736 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $37,668.75 | 5.380% | $497,135.21 | 2.3 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639634 | Exempt from ATR | Yes | No | $8,505.00 | $9,295.63 | 8.521% | $1,871.09 | $1,871.09 | 8.125% | No | No | Self-Employed | US Citizen | $14,501.05 | 1 | $1,254.96 | 17.847% | 17.847% | 17.847% | 07/25/2022 | 687 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,505.00 | 5.580% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $60,500.37 | 17.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639635 | Exempt from ATR | Yes | No | $9,735.00 | $11,134.83 | 8.823% | $2,067.40 | $2,067.40 | 8.375% | No | No | Self-Employed | US Citizen | $7,138.81 | 1 | $987.00 | 31.265% | 31.265% | 31.265% | 05/12/2022 | 727 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,735.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $38,000.00 | 11.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639636 | Exempt from ATR | Yes | No | $10,753.13 | $12,139.11 | 8.515% | $2,478.08 | $2,478.08 | 8.125% | No | No | Employed | Self-Employed | US Citizen | US Citizen | $5,427.99 | 1 | $1,035.00 | 47.459% | 47.459% | 47.459% | 07/11/2022 | 707 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $10,753.13 | 5.580% | $0.00 | 1.6 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $113,303.84 | 25.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639637 | Exempt from ATR | Yes | No | $7,950.00 | $8,639.60 | 8.487% | $1,893.37 | $1,893.37 | 8.125% | No | No | Employed | US Citizen | $4,009.29 | 1 | $1,299.00 | 49.884% | 49.884% | 49.884% | 07/13/2022 | 728 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,950.00 | 5.580% | $90,500.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $14,350.08 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639638 | Exempt from ATR | Yes | No | $6,471.88 | $7,751.22 | 8.601% | $1,308.65 | $1,308.65 | 8.125% | No | No | Self-Employed | US Citizen | $4,481.13 | 2 | $758.04 | 41.143% | 41.143% | 41.143% | 07/22/2022 | 739 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,471.88 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $48,763.58 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639639 | Exempt from ATR | Yes | No | $5,725.00 | $6,775.37 | 8.211% | $2,436.10 | $2,436.10 | 8.000% | No | No | Self-Employed | US Citizen | $6,769.21 | 1 | $1,166.04 | 44.507% | 44.507% | 44.507% | 05/11/2022 | 752 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,725.00 | 5.860% | $37,000.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 17.00 | No | $78,839.50 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639641 | Exempt from ATR | Yes | No | $13,921.88 | $14,884.10 | 8.508% | $3,090.64 | $3,090.64 | 8.125% | No | No | Self-Employed | US Citizen | $5,303.42 | 1 | $1,493.04 | 48.228% | 48.228% | 48.228% | 07/12/2022 | 729 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,921.88 | 5.580% | $0.00 | 3.2 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $294,203.05 | 53.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639642 | Exempt from ATR | Yes | No | $19,075.00 | $21,521.81 | 8.603% | $7,600.72 | $7,600.72 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $9,791.32 | 1 | $2,055.00 | 46.901% | 46.901% | 46.901% | 06/29/2022 | 762 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $19,075.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $372,978.00 | 30.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639643 | Exempt from ATR | Yes | No | $10,705.00 | $12,179.79 | 8.519% | $2,465.09 | $2,465.09 | 8.125% | No | No | Self-Employed | US Citizen | $6,079.12 | 1 | $2,507.76 | 36.868% | 36.868% | 36.868% | 06/15/2022 | 742 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,705.00 | 5.580% | $500.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 7.00 | No | $202,542.66 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639644 | Exempt from ATR | Yes | No | $11,440.00 | $13,093.75 | 8.515% | $2,672.99 | $2,672.99 | 8.125% | No | No | Employed | US Citizen | $6,233.26 | 1 | $1,680.00 | 35.828% | 35.828% | 35.828% | 06/16/2022 | 732 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,440.00 | 5.610% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $63,750.74 | 14.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639645 | Exempt from ATR | Yes | No | $6,060.00 | $7,016.04 | 8.284% | $3,356.09 | $3,356.09 | 8.125% | No | No | Employed | US Citizen | $9,116.06 | 1 | $2,114.04 | 39.226% | 39.226% | 39.226% | 06/24/2022 | 754 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,060.00 | 5.580% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $17,673.24 | 3.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639646 | Exempt from ATR | Yes | No | $6,850.00 | $7,468.44 | 8.073% | $1,238.64 | $1,238.64 | 7.625% | No | No | Employed | US Citizen | $4,742.42 | 1 | $1,689.96 | 27.040% | 27.040% | 27.040% | 05/23/2022 | 734 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,850.00 | 5.580% | $5,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $112,923.32 | 45.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639647 | Exempt from ATR | Yes | No | $10,148.00 | $11,649.42 | 8.411% | $3,195.71 | $3,195.71 | 8.125% | No | No | Self-Employed | Permanent Resident Alien | $7,244.09 | 1 | $1,931.04 | 38.348% | 38.348% | 38.348% | 06/30/2022 | 786 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,148.00 | 5.580% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $150,846.21 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639648 | Exempt from ATR | Yes | No | $10,175.00 | $11,525.83 | 8.184% | $2,005.95 | $2,005.95 | 7.750% | No | No | Employed | Non-Permanent Resident Alien | $4,360.82 | 1 | $872.04 | 41.856% | 41.856% | 41.856% | 06/28/2022 | 671 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,175.00 | 5.610% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $419,379.91 | 65.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639650 | Exempt from ATR | Yes | No | $15,168.75 | $16,250.09 | 8.188% | $3,942.56 | $3,942.56 | 7.875% | No | No | Self-Employed | US Citizen | $7,068.95 | 2 | $1,050.96 | 42.168% | 42.168% | 42.168% | 07/12/2022 | 799 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,168.75 | 5.580% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $204,000.93 | 28.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639651 | Exempt from ATR | Yes | No | $4,736.38 | $7,261.50 | 8.066% | $2,160.34 | $2,160.34 | 7.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $15,896.02 | 1 | $1,389.72 | 21.621% | 21.621% | 21.621% | 05/04/2022 | 686 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $4,736.38 | 5.860% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $164,427.96 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639652 | Exempt from ATR | Yes | No | $9,865.00 | $4,996.70 | 7.559% | $2,910.48 | $2,910.48 | 7.500% | No | No | Self-Employed | Self-Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | $10,985.66 | 1 | $1,602.96 | 25.656% | 25.656% | 25.656% | 06/03/2022 | 769 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $9,865.00 | 5.370% | $15,000.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $197,994.85 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639654 | Exempt from ATR | Yes | No | $11,779.38 | $16,355.67 | 7.914% | $3,423.95 | $3,423.95 | 7.625% | No | No | Self-Employed | US Citizen | $6,447.09 | 1 | $1,593.96 | 41.501% | 41.501% | 41.501% | 06/14/2022 | 801 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,779.38 | 5.580% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $216,083.21 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639655 | Exempt from ATR | Yes | No | $4,990.00 | $8,119.76 | 7.804% | $2,441.89 | $2,441.89 | 7.625% | No | No | Employed | Non-Permanent Resident Alien | $4,921.90 | 1 | $1,754.04 | 39.805% | 39.805% | 39.805% | 06/23/2022 | 660 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,990.00 | 5.370% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $253,883.48 | 44.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639656 | Exempt from ATR | Yes | No | $6,790.00 | $8,961.59 | 8.422% | $1,949.06 | $1,949.06 | 8.125% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $3,944.57 | 1 | $1,365.00 | 39.508% | 39.508% | 39.508% | 06/30/2022 | 712 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $6,790.00 | 5.610% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $167,260.58 | 48.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639657 | Exempt from ATR | Yes | No | $4,840.00 | $6,428.64 | 8.096% | $1,182.08 | $1,182.08 | 7.750% | No | No | Employed | US Citizen | $4,814.26 | 1 | $1,083.96 | 23.632% | 23.632% | 23.632% | 07/06/2022 | 661 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,840.00 | 5.580% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $217,815.41 | 79.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639658 | Exempt from ATR | Yes | No | $5,837.50 | $8,065.28 | 8.496% | $1,137.34 | $1,137.34 | 8.000% | No | No | Self-Employed | US Citizen | $3,681.08 | 1 | $351.96 | 45.920% | 45.920% | 45.920% | 07/07/2022 | 663 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,837.50 | 5.580% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $132,865.00 | 43.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639660 | Exempt from ATR | Yes | No | $9,075.00 | $12,592.57 | 7.983% | $3,164.75 | $3,164.75 | 7.750% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $98,297.06 | 1 | $1,632.48 | 7.266% | 7.266% | 7.266% | 07/13/2022 | 781 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,075.00 | 5.610% | $848.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $204,031.64 | 35.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639661 | Exempt from ATR | Yes | No | $14,871.00 | $20,582.25 | 8.387% | $4,936.12 | $4,936.12 | 8.125% | No | No | Self-Employed | US Citizen | $19,677.20 | 1 | $1,827.96 | 25.509% | 25.509% | 25.509% | 05/18/2022 | 768 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; Business License - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Borrower - | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,871.00 | 5.580% | $15,000.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $149,065.18 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639662 | Exempt from ATR | Yes | No | $5,290.00 | $7,670.42 | 7.503% | $1,705.44 | $1,705.44 | 7.250% | No | No | Self-Employed | US Citizen | $2,585.08 | 1 | $1,752.96 | 48.947% | 48.947% | 48.947% | 06/01/2022 | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,290.00 | 5.610% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $184,614.93 | 37.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639663 | Exempt from ATR | Yes | No | $12,075.00 | $15,395.00 | 8.741% | $2,918.68 | $2,918.68 | 8.375% | No | No | Self-Employed | Permanent Resident Alien | $6,049.63 | 1 | $924.60 | 41.647% | 41.647% | 41.647% | 06/22/2022 | 737 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,075.00 | 5.580% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $72,203.04 | 15.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639664 | Exempt from ATR | Yes | No | $14,440.00 | $20,591.98 | 7.518% | $4,400.04 | $4,400.04 | 7.250% | No | No | Employed | US Citizen | $8,812.94 | 1 | $1,556.16 | 41.135% | 41.135% | 41.135% | 07/07/2022 | 811 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $14,440.00 | 5.580% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $718,851.67 | 67.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639665 | Exempt from ATR | Yes | No | $3,715.00 | $5,575.83 | 7.672% | $818.61 | $818.61 | 7.250% | No | No | Employed | US Citizen | $3,975.39 | 1 | $0.00 | 33.744% | 33.744% | 33.744% | 05/30/2022 | 803 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $3,715.00 | 5.580% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $223,051.31 | 55.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639666 | Exempt from ATR | Yes | No | $10,800.00 | $14,580.97 | 8.476% | $2,791.79 | $2,791.79 | 8.125% | No | No | Self-Employed | US Citizen | $14,984.72 | 1 | $1,275.00 | 28.538% | 28.538% | 28.538% | 06/28/2022 | 754 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,800.00 | 5.610% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $23,949.35 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639667 | Exempt from ATR | Yes | No | $5,695.00 | $8,976.28 | 8.784% | $1,565.75 | $1,565.75 | 8.375% | No | No | Self-Employed | US Citizen | $4,206.49 | 1 | $815.04 | 39.907% | 39.907% | 39.907% | 07/05/2022 | 728 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,695.00 | 5.580% | $65,000.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $9,210.77 | 4.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639668 | Exempt from ATR | Yes | No | $22,365.00 | $31,397.63 | 8.588% | $9,120.87 | $9,120.87 | 8.375% | No | No | Self-Employed | US Citizen | $25,363.87 | 1 | $3,890.04 | 35.680% | 35.680% | 35.680% | 06/21/2022 | 737 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2017 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $22,365.00 | 5.580% | $305,000.00 | 1.7 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 19.00 | No | $38,077.65 | 3.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639669 | Exempt from ATR | Yes | No | $8,702.25 | $12,344.93 | 8.337% | $3,527.98 | $3,527.98 | 8.125% | No | No | Self-Employed | US Citizen | $10,353.58 | 1 | $833.04 | 43.626% | 43.626% | 43.626% | 06/07/2022 | 784 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,702.25 | 5.370% | $1,965.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $311,572.11 | 52.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639671 | Exempt from ATR | Yes | No | $7,620.00 | $10,305.60 | 8.677% | $2,310.62 | $2,310.62 | 8.375% | No | No | Self-Employed | US Citizen | $4,366.18 | 1 | $1,614.00 | 41.784% | 41.784% | 41.784% | 05/23/2022 | 736 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,620.00 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $111,014.46 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639672 | Exempt from ATR | Yes | No | $11,937.50 | $15,510.89 | 7.894% | $3,477.04 | $3,477.04 | 7.625% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $6,855.18 | 1 | $5,088.96 | 42.127% | 42.127% | 42.127% | 07/11/2022 | 774 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,937.50 | 5.610% | $0.00 | 1.0 | None | Yes | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 12.97 | No | $236,847.02 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639673 | Exempt from ATR | Yes | No | $5,460.00 | $7,929.37 | 8.500% | $1,455.29 | $1,455.29 | 8.125% | No | No | Self-Employed | US Citizen | $8,177.61 | 1 | $899.04 | 34.056% | 34.056% | 34.056% | 07/12/2022 | 780 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,460.00 | 5.310% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $124,605.71 | 51.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639674 | Exempt from ATR | Yes | No | $19,341.00 | $24,296.87 | 8.498% | $4,472.80 | $4,472.80 | 8.125% | No | No | Employed | US Citizen | $8,576.26 | 1 | $1,455.00 | 40.576% | 40.576% | 40.576% | 07/21/2022 | 749 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $19,341.00 | 5.610% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $246,217.12 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639675 | Exempt from ATR | Yes | No | $17,661.00 | $24,790.38 | 8.357% | $6,682.47 | $6,682.47 | 8.125% | No | No | Self-Employed | US Citizen | $24,698.17 | 1 | $3,830.64 | 35.775% | 35.775% | 35.775% | 05/14/2022 | 743 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,661.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $114,900.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639676 | Exempt from ATR | Yes | No | $6,059.01 | $8,514.86 | 7.706% | $1,574.39 | $1,574.39 | 7.375% | No | No | Self-Employed | Not Employed | US Citizen | US Citizen | $2,518.14 | 1 | $0.00 | 49.262% | 49.262% | 49.262% | 05/27/2022 | 749 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,059.01 | 5.310% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $127,334.70 | 34.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639677 | Exempt from ATR | Yes | No | $12,582.00 | $17,346.50 | 8.434% | $3,730.31 | $3,730.31 | 8.125% | No | No | Self-Employed | US Citizen | $9,161.43 | 1 | $1,598.04 | 37.395% | 37.395% | 37.395% | 06/15/2022 | 755 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,582.00 | 5.610% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $65,573.76 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639678 | Exempt from ATR | Yes | No | $15,915.00 | $19,770.00 | 7.905% | $3,132.48 | $3,132.48 | 7.500% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $8,949.99 | 1 | $1,140.00 | 35.440% | 35.440% | 35.440% | 06/14/2022 | 797 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $15,915.00 | 5.580% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $351,068.84 | 55.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639680 | Exempt from ATR | Yes | No | $13,493.70 | $16,881.10 | 8.451% | $3,539.86 | $3,539.86 | 8.125% | No | No | Self-Employed | US Citizen | $11,576.05 | 1 | $0.00 | 40.757% | 40.757% | 40.757% | 06/13/2022 | 684 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,493.70 | 5.610% | $0.00 | None | No | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $332,753.24 | 43.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639681 | Exempt from ATR | Yes | No | $13,525.00 | $17,278.33 | 8.400% | $4,157.98 | $4,157.98 | 8.125% | No | No | Self-Employed | Self-Employed | Permanent Resident Alien | Permanent Resident Alien | $11,418.34 | 1 | $1,346.04 | 36.809% | 36.809% | 36.809% | 06/06/2022 | 760 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Business License - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $13,525.00 | 5.580% | $3,000.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $221,215.92 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639682 | Exempt from ATR | Yes | No | $10,755.00 | $14,455.00 | 8.429% | $3,207.59 | $3,207.59 | 8.125% | No | No | Employed | Permanent Resident Alien | $6,493.29 | 1 | $840.96 | 39.597% | 39.597% | 39.597% | 07/06/2022 | 759 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,755.00 | 5.580% | $0.00 | 1.0 | None | Yes | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $182,669.19 | 34.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639683 | Exempt from ATR | Yes | No | $17,890.00 | $23,153.12 | 8.373% | $6,069.91 | $6,069.91 | 8.125% | No | No | Self-Employed | US Citizen | $10,769.48 | 1 | $1,800.96 | 39.481% | 39.481% | 39.481% | 06/22/2022 | 704 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $17,890.00 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 17.97 | No | $361,730.30 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639685 | Exempt from ATR | Yes | No | $5,215.00 | $8,140.69 | 8.303% | $1,319.63 | $1,319.63 | 7.875% | No | No | Employed | Permanent Resident Alien | $3,027.54 | 1 | $486.00 | 49.541% | 49.541% | 49.541% | 08/01/2022 | 730 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,215.00 | 5.370% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $101,606.18 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639686 | Exempt from ATR | Yes | No | $4,075.00 | $6,316.39 | 7.655% | $1,381.35 | $1,381.35 | 7.375% | No | No | Self-Employed | US Citizen | $3,500.15 | 1 | $471.84 | 48.766% | 48.766% | 48.766% | 07/29/2022 | 786 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2020 [Borrower]; 1040 - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $4,075.00 | 5.370% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $39,500.00 | 10.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639687 | Exempt from ATR | Yes | No | $7,468.13 | $10,891.41 | 7.821% | $3,285.93 | $3,285.93 | 7.625% | No | No | Self-Employed | US Citizen | $11,464.89 | 1 | $1,325.04 | 36.452% | 36.452% | 36.452% | 06/01/2022 | 752 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,468.13 | 5.370% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $71,591.60 | 12.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639688 | Exempt from ATR | Yes | No | $5,089.75 | $9,433.21 | 8.239% | $4,498.79 | $4,498.79 | 8.125% | No | No | Self-Employed | Permanent Resident Alien | $39,809.11 | 1 | $242.04 | 21.252% | 21.252% | 21.252% | 06/23/2022 | 806 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,089.75 | 5.370% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $547,641.12 | 63.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639689 | Exempt from ATR | Yes | No | $9,675.00 | $12,677.50 | 8.707% | $2,736.26 | $2,736.26 | 8.375% | No | No | Self-Employed | US Citizen | $7,359.22 | 1 | $1,395.00 | 39.893% | 39.893% | 39.893% | 06/17/2022 | 720 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,675.00 | 5.580% | $0.00 | 1.0 | None | Yes | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $113,732.04 | 25.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639690 | Exempt from ATR | Yes | No | $15,015.00 | $18,907.89 | 8.787% | $3,405.12 | $3,405.12 | 8.375% | No | No | Self-Employed | Non-Permanent Resident Alien | $7,136.83 | 1 | $1,181.04 | 41.620% | 41.620% | 41.620% | 06/21/2022 | 759 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,015.00 | 5.580% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $36,564.72 | 7.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639691 | Exempt from ATR | Yes | No | $7,427.50 | $10,857.47 | 7.819% | $3,333.71 | $3,333.71 | 7.625% | No | No | Employed | Permanent Resident Alien | $7,445.34 | 1 | $1,166.04 | 37.956% | 37.956% | 37.956% | 06/22/2022 | 802 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,427.50 | 5.610% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $215,824.57 | 33.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639692 | Exempt from ATR | Yes | No | $15,525.00 | $18,783.28 | 8.291% | $3,154.05 | $3,154.05 | 7.875% | No | No | Self-Employed | US Citizen | $8,729.95 | 1 | $1,325.04 | 32.465% | 32.465% | 32.465% | 05/26/2022 | 729 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2020 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $15,525.00 | 5.880% | $0.00 | None | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $191,628.17 | 33.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639693 | Exempt from ATR | Yes | No | $13,125.00 | $16,318.33 | 8.118% | $3,008.93 | $3,008.93 | 7.750% | No | No | Self-Employed | US Citizen | $7,818.54 | 2 | $1,761.00 | 38.386% | 38.386% | 38.386% | 05/20/2022 | 735 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,125.00 | 5.060% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $342,338.79 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639694 | Exempt from ATR | Yes | No | $19,552.51 | $24,176.00 | 8.007% | $4,241.45 | $4,241.45 | 7.625% | No | No | Self-Employed | US Citizen | $10,372.58 | 1 | $2,604.96 | 42.509% | 42.509% | 42.509% | 06/27/2022 | 774 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $19,552.51 | 5.370% | $15,000.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $318,031.72 | 40.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639695 | Exempt from ATR | Yes | No | $8,475.00 | $11,318.54 | 7.673% | $2,382.83 | $2,382.83 | 7.375% | No | No | Self-Employed | US Citizen | $6,395.54 | 1 | $2,942.04 | 38.811% | 38.811% | 38.811% | 06/17/2022 | 713 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,475.00 | 5.610% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $793.19 | 0.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639696 | Exempt from ATR | Yes | No | $16,012.50 | $20,268.99 | 7.989% | $3,715.92 | $3,715.92 | 7.625% | No | No | Employed | US Citizen | $10,287.08 | 1 | $897.96 | 41.217% | 41.217% | 41.217% | 06/25/2022 | 744 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,012.50 | 5.370% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $473,677.83 | 68.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639697 | Exempt from ATR | Yes | No | $4,706.25 | $6,429.82 | 8.834% | $1,083.10 | $1,083.10 | 8.375% | No | No | Not Employed | Self-Employed | US Citizen | US Citizen | $18,049.39 | 1 | $387.00 | 19.566% | 19.566% | 19.566% | 06/03/2022 | 714 | No | No | [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $4,706.25 | 5.370% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $68,955.04 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639698 | Exempt from ATR | Yes | No | $5,705.00 | $8,142.78 | 8.787% | $2,091.44 | $2,091.44 | 8.500% | No | No | Employed | US Citizen | $4,023.64 | 1 | $381.96 | 42.519% | 42.519% | 42.519% | 06/08/2022 | 784 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,705.00 | 5.580% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $100,709.48 | 30.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639699 | Exempt from ATR | Yes | No | $13,418.84 | $17,358.39 | 8.645% | $4,621.24 | $4,621.24 | 8.375% | No | No | Employed | US Citizen | $8,599.48 | 1 | $2,034.00 | 42.670% | 42.670% | 42.670% | 06/29/2022 | 727 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,418.84 | 5.370% | $152,000.00 | 2.5 | None | No | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $3,060.83 | 0.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639700 | Exempt from ATR | Yes | No | $19,726.00 | $25,670.79 | 8.602% | $7,898.67 | $7,898.67 | 8.375% | No | No | Self-Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | $14,652.07 | 1 | $2,502.00 | 39.482% | 39.482% | 39.482% | 07/11/2022 | 731 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; Employer Letter - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $19,726.00 | 5.060% | $13,000.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $342,970.04 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639701 | Exempt from ATR | Yes | No | $10,650.00 | $12,817.84 | 7.659% | $2,230.94 | $2,896.62 | 7.375% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $24,663.49 | 1 | $6,885.96 | 19.843% | 17.680% | 19.843% | 04/28/2022 | 699 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022 [Borrower - | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Coborrower(s) - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $10,650.00 | 5.310% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $812.94 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639702 | Exempt from ATR | Yes | No | $4,780.00 | $7,235.13 | 6.783% | $1,788.75 | $1,788.75 | 6.625% | No | No | Self-Employed | US Citizen | $11,342.89 | 1 | $2,055.00 | 29.277% | 29.277% | 33.335% | 05/02/2022 | 752 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,780.00 | 5.350% | $0.00 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 13.00 | No | 240 | $15,527.69 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639703 | Exempt from ATR | Yes | No | $10,575.00 | $15,314.85 | 7.542% | $3,957.92 | $3,957.92 | 7.375% | No | No | Self-Employed | US Citizen | $13,858.28 | 1 | $1,069.44 | 30.931% | 30.931% | 36.817% | 05/04/2022 | 781 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,575.00 | 5.160% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $57,918.97 | 7.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639704 | Exempt from ATR | Yes | No | $27,775.00 | $35,213.07 | 7.969% | $8,193.69 | $8,193.69 | 7.750% | No | No | Self-Employed | US Citizen | $36,768.79 | 1 | $2,997.96 | 40.298% | 40.298% | 43.905% | 04/28/2022 | 702 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Business License - 2012 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $27,775.00 | 5.310% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $102,915.05 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639705 | Exempt from ATR | Yes | No | $6,088.00 | $7,778.66 | 7.698% | $936.46 | $936.46 | 7.250% | No | No | Self-Employed | Employed | US Citizen | US Citizen | $4,902.19 | 1 | $0.00 | 40.571% | 40.571% | 44.070% | 04/19/2022 | 766 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | None | $6,088.00 | 5.160% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $14,167.99 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639706 | Exempt from ATR | Yes | No | $11,290.00 | $9,207.45 | 8.202% | $5,281.25 | $5,281.25 | 8.125% | No | No | Employed | Permanent Resident Alien | $9,491.23 | 1 | $1,131.96 | 38.766% | 38.766% | 47.178% | 05/25/2022 | 729 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,290.00 | 5.880% | $35,000.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | $227,000.00 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639707 | Exempt from ATR | Yes | No | $9,975.00 | $11,927.49 | 8.162% | $2,460.94 | $2,460.94 | 7.875% | No | No | Self-Employed | US Citizen | $3,964.74 | 1 | $2,231.04 | 44.291% | 44.291% | 53.377% | 06/21/2022 | 672 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,975.00 | 5.780% | $0.00 | 1.0 | None | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $12,549.20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639709 | Exempt from ATR | Yes | No | $19,390.00 | $28,803.96 | 8.425% | $8,181.25 | $8,181.25 | 8.250% | No | No | Self-Employed | US Citizen | $20,970.89 | 1 | $12,804.60 | 38.958% | 38.958% | 44.658% | 07/05/2022 | 741 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $19,390.00 | 5.580% | $0.00 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $5,150.89 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639710 | Exempt from ATR | Yes | No | $9,970.00 | $13,758.28 | 8.623% | $3,088.28 | $3,805.18 | 8.375% | No | No | Self-Employed | US Citizen | $112,134.05 | 1 | $2,129.64 | 16.838% | 16.306% | 16.838% | 07/20/2022 | 745 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,970.00 | 5.580% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $110,783.32 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639711 | Exempt from ATR | Yes | No | $11,539.01 | $13,138.14 | 8.765% | $3,541.31 | $3,541.31 | 8.500% | No | No | Self-Employed | US Citizen | $10,754.86 | 1 | $1,581.96 | 27.446% | 27.446% | 32.825% | 06/06/2022 | 741 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $11,539.01 | 5.880% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $211,685.98 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639713 | Exempt from ATR | Yes | No | $5,476.00 | $8,478.00 | 5.512% | $2,752.11 | $2,752.11 | 13.500% | No | No | Employed | Permanent Resident Alien | $5,149.28 | 1 | $1,131.00 | 44.631% | 61.717% | 44.631% | 04/11/2022 | 754 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,476.00 | 4.190% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $141,508.04 | 28.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639714 | Exempt from ATR | Yes | No | $21,575.00 | $28,232.78 | 5.371% | $6,653.02 | $6,653.02 | 13.000% | No | No | Self-Employed | US Citizen | $26,450.40 | 1 | $2,262.96 | 24.190% | 35.550% | 24.190% | 06/24/2022 | 740 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $21,575.00 | 4.700% | $15,000.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639715 | Exempt from ATR | Yes | No | $9,831.25 | $13,493.61 | 5.232% | $3,585.13 | $3,585.13 | 12.750% | No | No | Self-Employed | US Citizen | $7,083.18 | 1 | $1,746.00 | 44.492% | 61.495% | 44.492% | 05/18/2022 | 790 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - C-Corp]; CPA Letter - 2022 [Borrower - | Primary Income - C-Corp]; P&L Statement - 2022 [Borrower - | Primary Income - C-Corp]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,831.25 | 4.700% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $260,614.57 | 35.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639716 | Exempt from ATR | Yes | No | $12,495.00 | $17,707.83 | 5.529% | $4,309.81 | $4,309.81 | 13.375% | No | No | Employed | US Citizen | $12,366.45 | 1 | $1,620.00 | 32.424% | 46.128% | 32.424% | 05/16/2022 | 746 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,495.00 | 4.590% | $0.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $222,749.38 | 29.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639717 | Exempt from ATR | Yes | No | $7,540.00 | $11,663.33 | 5.762% | $3,274.45 | $3,274.45 | 13.250% | No | No | Employed | Permanent Resident Alien | $7,295.10 | 1 | $1,062.96 | 42.102% | 57.343% | 42.102% | 05/10/2022 | 708 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,540.00 | 5.240% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $36,727.76 | 6.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639718 | Exempt from ATR | Yes | No | $12,465.00 | $16,491.67 | 5.645% | $3,384.20 | $3,384.20 | 13.500% | No | No | Self-Employed | Permanent Resident Alien | $6,230.17 | 1 | $1,653.00 | 38.442% | 57.747% | 38.442% | 05/10/2022 | 731 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $12,465.00 | 4.590% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $133,732.57 | 22.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639719 | Exempt from ATR | Yes | No | $5,061.00 | $7,849.63 | 5.582% | $2,401.94 | $2,401.94 | 13.250% | No | No | Employed | US Citizen | $5,183.08 | 3 | $3,827.04 | 37.834% | 54.729% | 37.834% | 06/10/2022 | 736 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,061.00 | 5.190% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $15,102.89 | 3.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639720 | Exempt from ATR | Yes | No | $13,675.00 | $16,770.32 | 5.682% | $3,342.87 | $3,342.87 | 13.375% | No | No | Self-Employed | Permanent Resident Alien | $7,496.01 | 1 | $591.96 | 37.473% | 53.698% | 37.473% | 05/04/2022 | 744 | No | No | Audited | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $13,675.00 | 5.240% | $2,000.00 | None | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $175,493.31 | 29.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639721 | Exempt from ATR | Yes | No | $8,540.00 | $10,375.63 | 4.975% | $2,270.09 | $2,270.09 | 12.750% | No | No | Employed | US Citizen | $6,376.17 | 1 | $1,265.04 | 36.238% | 49.977% | 36.238% | 05/26/2022 | 802 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,540.00 | 4.590% | $0.00 | None | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $336,510.54 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639722 | Exempt from ATR | Yes | No | $7,071.25 | $10,057.81 | 5.621% | $3,094.02 | $3,094.02 | 13.500% | No | No | Employed | US Citizen | $5,261.67 | 1 | $560.04 | 44.614% | 63.418% | 44.614% | 05/11/2022 | 807 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,071.25 | 4.700% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $226,570.62 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639723 | Exempt from ATR | Yes | No | $6,180.00 | $8,606.82 | 5.521% | $3,199.04 | $3,199.04 | 13.357% | No | No | Employed | Non-Permanent Resident Alien | $5,684.62 | 1 | $1,226.04 | 40.785% | 60.197% | 40.785% | 06/22/2022 | 756 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,180.00 | 5.190% | $0.00 | None | N/A | No | 7.357% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $154,419.10 | 27.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639724 | Exempt from ATR | Yes | No | $5,625.00 | $7,071.09 | 5.937% | $1,450.73 | $1,450.73 | 13.750% | No | No | Employed | US Citizen | $12,523.45 | 1 | $780.96 | 28.865% | 33.549% | 28.865% | 06/06/2022 | 779 | No | No | [Borrower - | Primary Income - Wages]; Paystubs - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,625.00 | 5.230% | $80,000.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $24,114.78 | 9.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639725 | Exempt from ATR | Yes | No | $6,862.50 | $9,180.31 | 5.444% | $3,517.79 | $4,254.44 | 13.000% | No | No | Self-Employed | US Citizen | $19,272.79 | 1 | $986.04 | 36.814% | 41.270% | 34.399% | 06/21/2022 | 804 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,862.50 | 5.080% | $176,250.00 | None | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $162,465.66 | 23.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639726 | Exempt from ATR | Yes | No | $5,740.00 | $7,555.00 | 6.196% | $2,349.36 | $2,349.36 | 13.500% | No | No | Employed | US Citizen | $5,727.48 | 1 | $399.96 | 39.711% | 53.989% | 39.711% | 06/06/2022 | 767 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,740.00 | 4.700% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $177,100.00 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639727 | Exempt from ATR | Yes | No | $6,123.75 | $7,836.85 | 5.603% | $2,501.54 | $2,501.54 | 13.250% | No | No | Employed | Permanent Resident Alien | $6,107.35 | 1 | $849.96 | 32.141% | 48.441% | 32.141% | 06/28/2022 | 793 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $6,123.75 | 5.080% | $0.00 | None | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $209,340.69 | 40.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639728 | Exempt from ATR | Yes | No | $13,050.00 | $15,035.00 | 5.794% | $3,565.99 | $4,288.36 | 13.500% | No | No | Self-Employed | Permanent Resident Alien | $5,647.95 | 1 | $1,461.00 | 46.107% | 58.860% | 39.215% | 05/12/2022 | 757 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $13,050.00 | 5.290% | $0.00 | None | N/A | No | 9.500% | 0 | 2 | 0 | 0 | 0 | 12.00 | No | $216,188.46 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639729 | Exempt from ATR | Yes | No | $5,963.50 | $6,779.36 | 5.785% | $2,070.30 | $2,070.30 | 13.625% | No | No | Employed | US Citizen | $6,495.41 | 1 | $1,628.04 | 27.829% | 41.006% | 27.829% | 05/16/2022 | 750 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,963.50 | 5.080% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $104,000.00 | 26.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639730 | Exempt from ATR | Yes | No | $4,810.00 | $5,856.25 | 5.769% | $1,524.29 | $1,524.29 | 13.500% | No | No | Employed | Non-Permanent Resident Alien | $5,260.28 | 1 | $2,472.36 | 30.786% | 42.365% | 30.786% | 06/24/2022 | 768 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,810.00 | 5.230% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $21,712.52 | 7.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639731 | Exempt from ATR | Yes | No | $8,632.95 | $9,427.34 | 5.699% | $1,785.35 | $1,785.35 | 13.125% | No | No | Self-Employed | US Citizen | $7,839.58 | 1 | $300.00 | 33.758% | 42.675% | 33.758% | 06/10/2022 | 802 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $8,632.95 | 5.330% | $238,550.00 | None | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $43,528.44 | 8.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639732 | Exempt from ATR | Yes | No | $5,250.00 | $7,172.86 | 6.118% | $1,377.33 | $1,377.33 | 14.125% | No | No | Employed | Non-Permanent Resident Alien | $5,566.67 | 1 | $871.56 | 49.394% | 56.347% | 49.394% | 06/21/2022 | 692 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,250.00 | 5.230% | $0.00 | None | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $112,778.51 | 43.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639735 | Exempt from ATR | Yes | No | $4,577.50 | $6,494.22 | 5.833% | $1,433.28 | $1,433.28 | 13.625% | No | No | Employed | Permanent Resident Alien | $5,533.45 | 1 | $2,075.04 | 30.832% | 41.095% | 30.832% | 06/08/2022 | 794 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,577.50 | 5.290% | $0.00 | None | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $98,868.15 | 37.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639736 | Exempt from ATR | Yes | No | $9,825.00 | $12,112.00 | 6.082% | $2,201.29 | $2,201.29 | 14.000% | No | No | Self-Employed | US Citizen | $4,778.25 | 1 | $1,311.00 | 41.235% | 56.386% | 41.235% | 05/25/2022 | 794 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $9,825.00 | 5.080% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $66,863.14 | 18.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639737 | Exempt from ATR | Yes | No | $7,155.63 | $11,537.95 | 5.833% | $3,089.53 | $3,089.53 | 13.750% | No | No | Employed | US Citizen | $4,796.05 | 1 | $1,173.96 | 49.515% | 68.001% | 49.515% | 06/08/2022 | 788 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $7,155.63 | 5.080% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $206,981.14 | 34.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639738 | Exempt from ATR | Yes | No | $5,300.00 | $7,346.36 | 6.244% | $1,398.53 | $1,398.53 | 14.375% | No | No | Employed | US Citizen | $5,209.77 | 1 | $396.00 | 28.141% | 38.689% | 28.141% | 06/30/2022 | 816 | No | No | [Borrower - | Primary Income - Wages]; Other - 2022 [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $5,300.00 | 5.330% | $0.00 | None | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $74,191.39 | 32.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639739 | Exempt from ATR | Yes | No | $16,962.44 | $21,853.69 | 6.315% | $5,217.89 | $5,217.89 | 13.500% | No | No | Employed | US Citizen | $9,968.93 | 1 | $1,739.04 | 39.582% | 57.840% | 39.582% | 06/29/2022 | 758 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $16,962.44 | 5.080% | $125,500.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $207,525.03 | 21.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639740 | Exempt from ATR | Yes | No | $4,898.00 | $6,841.53 | 6.261% | $1,231.99 | $1,231.99 | 14.000% | No | No | Employed | Permanent Resident Alien | $4,492.93 | 1 | $798.96 | 27.533% | 38.654% | 27.533% | 07/29/2022 | 812 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,898.00 | 5.250% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | $65,927.29 | 31.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639741 | Exempt from ATR | Yes | No | $27,525.00 | $31,447.00 | 6.602% | $6,603.88 | $6,603.88 | 14.000% | No | No | Self-Employed | US Citizen | $34,501.84 | 1 | $3,801.00 | 34.157% | 41.210% | 34.157% | 07/28/2022 | 784 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Sole Proprietor]; P&L Statement - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $27,525.00 | 5.250% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $359,774.99 | 32.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639742 | Exempt from ATR | Yes | No | $10,293.75 | $11,367.79 | 6.148% | $3,824.75 | $3,824.75 | 14.000% | No | No | Self-Employed | US Citizen | $15,816.07 | 1 | $1,228.68 | 32.184% | 41.362% | 32.184% | 07/07/2022 | 779 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; Business License - 2022 [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; Other - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,293.75 | 5.250% | $12,000.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 11.97 | No | $10,000.00 | 2.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639743 | Exempt from ATR | Yes | No | $10,555.00 | $12,489.38 | 6.789% | $2,698.55 | $2,698.55 | 14.250% | No | No | Self-Employed | US Citizen | $7,898.04 | 1 | $1,407.00 | 40.273% | 51.518% | 40.273% | 07/20/2022 | 721 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $10,555.00 | 5.260% | $1,050.26 | None | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | $220,994.98 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639744 | Exempt from ATR | Yes | No | $8,563.75 | $11,551.02 | 5.356% | $2,996.09 | $3,367.04 | 13.375% | No | No | Employed | US Citizen | $9,936.12 | 1 | $1,385.04 | 30.975% | 45.331% | 34.609% | 06/17/2022 | 729 | No | No | [Borrower - | Primary Income - Wages]; The Work Number - Income - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Wages]; Other - 2022 [Borrower - | Non-Primary Income - Wages]; VVOE - 2022 [Borrower - | Non-Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1040 - 2021 [Borrower]; 1040 - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
2 Years Tax Returns | 0 | 0 | 0 | None | $8,563.75 | 4.420% | $0.00 | None | N/A | No | 7.375% | 0 | 2 | 0 | 0 | 0 | 0.00 | No | 240 | $107,140.52 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639745 | Exempt from ATR | Yes | No | $21,262.50 | $27,046.22 | 5.418% | $8,066.41 | $9,065.11 | 13.375% | No | No | Self-Employed | US Citizen | $41,493.15 | 1 | $9,287.04 | 38.504% | 46.750% | 40.591% | 06/16/2022 | 744 | No | No | Third Party Prepared (Unaudited) | [Borrower - | Primary Income - Sole Proprietor]; CPA Letter - 2022 [Borrower - | Primary Income - Sole Proprietor]; P&L Statement - 2022 [Borrower - | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower - | Primary Income - Sole Proprietor]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $21,262.50 | 5.190% | $0.00 | 1.0 | None | Yes | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 12.00 | No | 240 | $624,165.30 | 36.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639746 | Exempt from ATR | Yes | No | $4,945.00 | $6,461.46 | 5.665% | $1,069.38 | $1,607.73 | 13.375% | No | No | Employed | Non-Permanent Resident Alien | $3,074.50 | 1 | $0.00 | 44.100% | 50.130% | 40.113% | 05/04/2022 | 797 | No | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Other | 0 | 0 | 0 | None | $4,945.00 | 4.700% | $0.00 | None | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 240 | $141,384.04 | 49.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639747 | Exempt from ATR | Yes | No | $4,260.00 | $5,164.61 | 7.289% | $1,190.89 | $1,190.89 | 7.000% | No | No | Not Employed | US Citizen | $16,829.79 | 1 | $1,076.04 | 16.473% | 16.473% | 16.473% | 05/07/2022 | 808 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Non-Primary Income - Social Security]; Account Statements - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $4,260.00 | 5.310% | $0.00 | None | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $1,956,895.30 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639748 | Exempt from ATR | Yes | No | $11,124.00 | $13,920.52 | 8.391% | $2,389.14 | $2,389.14 | 8.000% | No | No | Not Employed | Not Employed | US Citizen | US Citizen | $51,582.28 | 1 | $648.00 | 11.310% | 11.310% | 11.310% | 06/09/2022 | 743 | Yes | No | [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 [Coborrower(s) - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Coborrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $11,124.00 | 5.860% | $0.00 | None | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $3,607,390.99 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639749 | Exempt from ATR | Yes | No | $18,795.00 | $23,464.17 | 7.872% | $4,013.49 | $4,013.49 | 7.500% | No | No | Not Employed | US Citizen | $13,085.57 | 1 | $631.80 | 35.293% | 35.293% | 35.293% | 04/12/2022 | 801 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 [Borrower - | Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $18,795.00 | 5.310% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $1,528,419.43 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639750 | Exempt from ATR | Yes | No | $5,440.00 | $6,963.65 | 8.091% | $1,397.00 | $1,397.00 | 7.750% | No | No | Not Employed | US Citizen | $3,108.08 | 1 | $782.04 | 49.792% | 49.792% | 49.792% | 05/27/2022 | 721 | Yes | No | [Borrower - | Primary Income - Social Security]; Account Statements - 2022 [Borrower - | Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $5,440.00 | 5.880% | $0.00 | None | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $371,847.93 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639751 | Exempt from ATR | Yes | No | $13,965.00 | $16,160.14 | 8.911% | $3,175.61 | $3,175.61 | 8.500% | No | No | Not Employed | US Citizen | $12,897.12 | 1 | $2,325.96 | 29.360% | 29.360% | 29.360% | 05/04/2022 | 701 | Yes | No | [Borrower - | Primary Income - Asset Depletion]; Account Statements - Year Not Available [Borrower - | Primary Income - Asset Depletion]; Account Statements - Year Not Available [Borrower - | Primary Income - Asset Depletion]; Account Statements - Year Not Available |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $13,965.00 | 5.370% | $0.00 | None | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | $1,458,533.29 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639752 | Exempt from ATR | Yes | No | $5,610.00 | $9,459.17 | 7.783% | $1,681.25 | $1,681.25 | 7.500% | No | No | Employed | US Citizen | $5,723.48 | 1 | $834.36 | 42.158% | 42.158% | 47.067% | 07/12/2022 | 742 | Yes | No | [Borrower - | Primary Income - Wages]; VVOE - 2022 [Borrower - | Primary Income - Wages]; WVOE - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion | 0 | 0 | 0 | None | $5,610.00 | 5.610% | $0.00 | None | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | Other | 240 | $1,166,776.02 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639753 | N/A | Yes | No | $3,450.49 | $3,450.49 | 7.625% | No | No | 0 | US Citizen | 3 | $2,873.04 | 0.000% | 0.000% | 0.000% | 04/14/2022 | 739 | Level 4-Stated/Verified as defined | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.94 | $32,000.00 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639754 | N/A | Yes | No | $692.67 | $692.67 | 8.000% | No | No | US Citizen | 1 | $1,115.04 | 0.000% | 0.000% | 0.000% | 04/14/2022 | 703 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | $10,609.05 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639755 | N/A | Yes | No | $1,359.51 | $1,359.51 | 7.875% | No | No | US Citizen | 2 | $2,706.00 | 0.000% | 0.000% | 0.000% | 04/28/2022 | 746 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.47 | 0.68 | $42,299.29 | 17.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639756 | N/A | Yes | No | $828.81 | $828.81 | 7.375% | No | No | 0 | US Citizen | 1 | $500.04 | 0.000% | 0.000% | 0.000% | 04/26/2022 | 761 | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.56 | 0.64 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639757 | N/A | Yes | No | $2,650.13 | $2,650.13 | 7.875% | No | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | 2 | $1,953.96 | 0.000% | 0.000% | 0.000% | 05/11/2022 | 724 | No | No | Other | 2 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | $176,585.93 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639758 | N/A | Yes | No | $1,696.91 | $1,696.91 | 7.250% | No | No | 0 | 0 | US Citizen | US Citizen | 1 | $1,605.00 | 0.000% | 0.000% | 0.000% | 05/03/2022 | 790 | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $3,000.00 | 1.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639759 | N/A | Yes | No | $891.82 | $891.82 | 7.625% | No | No | US Citizen | US Citizen | 1 | $1,378.56 | 0.000% | 0.000% | 0.000% | 05/23/2022 | 806 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.75 | 0.57 | $141,315.21 | 79.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639760 | N/A | Yes | No | $1,613.77 | $1,613.77 | 7.625% | No | No | Permanent Resident Alien | 1 | $1,095.00 | 0.000% | 0.000% | 0.000% | 05/24/2022 | 768 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $127,929.40 | 42.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639761 | N/A | Yes | No | $1,322.87 | $1,322.87 | 7.625% | No | No | US Citizen | 1 | $1,239.00 | 0.000% | 0.000% | 0.000% | 04/15/2022 | 724 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.03 | 0.97 | $178,430.20 | 67.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639762 | N/A | Yes | No | $1,181.36 | $1,181.36 | 8.000% | No | No | Permanent Resident Alien | 1 | $1,842.00 | 0.000% | 0.000% | 0.000% | 06/21/2022 | 713 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.29 | 0.77 | $160,095.31 | 70.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639763 | N/A | Yes | No | $1,878.44 | $1,878.44 | 8.000% | No | No | US Citizen | 1 | $1,164.96 | 0.000% | 0.000% | 0.000% | 06/16/2022 | 760 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | $65,603.83 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639764 | N/A | Yes | No | $1,316.60 | $1,316.60 | 7.250% | No | No | US Citizen | 1 | $2,671.20 | 0.000% | 0.000% | 0.000% | 07/05/2022 | 786 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $198,512.53 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639765 | N/A | Yes | No | $909.56 | $909.56 | 8.125% | No | No | US Citizen | 4 | $2,576.04 | 0.000% | 0.000% | 0.000% | 05/10/2022 | 731 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 2.05 | 0.49 | $114,934.02 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639766 | N/A | Yes | No | $2,909.34 | $2,909.34 | 7.875% | No | No | US Citizen | 2 | $1,292.04 | 0.000% | 0.000% | 0.000% | 05/13/2022 | 754 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.13 | 0.89 | $12,607.66 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639767 | N/A | Yes | No | $1,059.29 | $1,059.29 | 8.250% | No | No | US Citizen | 1 | $468.24 | 0.000% | 0.000% | 0.000% | 05/26/2022 | 708 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | $111,426.77 | 47.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639768 | N/A | Yes | No | $2,936.70 | $2,936.70 | 7.500% | No | No | US Citizen | 1 | $1,490.04 | 0.000% | 0.000% | 0.000% | 05/02/2022 | 705 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.84 | $2,404.88 | 0.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639769 | N/A | Yes | No | $1,377.63 | $1,377.63 | 7.875% | No | No | US Citizen | 1 | $1,917.00 | 0.000% | 0.000% | 0.000% | 06/09/2022 | 684 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $140,534.41 | 47.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639770 | N/A | Yes | No | $5,166.12 | $5,166.12 | 7.875% | No | No | US Citizen | 2 | $1,794.00 | 0.000% | 0.000% | 0.000% | 06/10/2022 | 754 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $47,500.00 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639771 | N/A | Yes | No | $778.52 | $778.52 | 8.500% | No | No | US Citizen | 2 | $2,203.32 | 0.000% | 0.000% | 0.000% | 05/25/2022 | 708 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | $57,086.50 | 40.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639772 | N/A | Yes | No | $2,900.28 | $2,900.28 | 7.875% | No | No | US Citizen | 1 | $3,500.04 | 0.000% | 0.000% | 0.000% | 05/16/2022 | 706 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | $42,719.49 | 8.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639773 | N/A | Yes | No | $2,306.74 | $2,306.74 | 8.500% | No | No | Permanent Resident Alien | 4 | $1,940.04 | 0.000% | 0.000% | 0.000% | 05/11/2022 | 761 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.74 | 0.57 | $20,424.79 | 5.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639774 | N/A | Yes | No | $1,403.92 | $1,403.92 | 7.250% | No | No | US Citizen | 1 | $1,287.96 | 0.000% | 0.000% | 0.000% | 06/08/2022 | 809 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.08 | 0.92 | $256,898.79 | 75.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639775 | N/A | Yes | No | $1,167.86 | $1,167.86 | 7.625% | No | No | US Citizen | 1 | $795.96 | 0.000% | 0.000% | 0.000% | 05/27/2022 | 787 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.18 | 0.85 | $93,686.69 | 43.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639776 | N/A | Yes | No | $2,579.91 | $2,579.91 | 7.625% | No | No | US Citizen | 1 | $1,406.04 | 0.000% | 0.000% | 0.000% | 07/12/2022 | 728 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.69 | 0.59 | $52,208.92 | 9.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639777 | N/A | Yes | No | $1,898.49 | $1,898.49 | 7.750% | No | No | US Citizen | 1 | $2,535.96 | 0.000% | 0.000% | 0.000% | 06/30/2022 | 766 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.77 | 0.57 | $396,633.52 | 68.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639778 | N/A | Yes | No | $2,512.67 | $2,512.67 | 7.625% | No | No | US Citizen | 1 | $335.40 | 0.000% | 0.000% | 0.000% | 06/06/2022 | 770 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $27,388.00 | 4.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639779 | N/A | Yes | No | $2,900.28 | $2,900.28 | 7.875% | No | No | US Citizen | US Citizen | 1 | $1,121.04 | 0.000% | 0.000% | 0.000% | 05/31/2022 | 724 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.23 | 0.81 | $20,232.18 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639780 | N/A | Yes | No | $2,722.26 | $2,722.26 | 8.625% | No | No | Permanent Resident Alien | 3 | $1,677.00 | 0.000% | 0.000% | 0.000% | 06/22/2022 | 700 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | $196,455.90 | 39.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639781 | N/A | Yes | No | $875.01 | $875.01 | 8.625% | No | No | US Citizen | 1 | $1,329.00 | 0.000% | 0.000% | 0.000% | 07/11/2022 | 754 | No | No | Other | 0 | 0 | 0 | No | $0.00 | 5.0 | No | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.32 | 0.76 | $112,320.59 | 75.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639782 | N/A | Yes | No | $4,687.90 | $4,687.90 | 8.250% | No | No | US Citizen | 2 | $1,494.00 | 0.000% | 0.000% | 0.000% | 06/22/2022 | 723 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | $400,296.35 | 42.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639783 | N/A | Yes | No | $1,179.89 | $1,179.89 | 8.000% | No | No | US Citizen | 1 | $1,230.96 | 0.000% | 0.000% | 0.000% | 708 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | $340,195.49 | 100.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639784 | N/A | Yes | No | $1,539.44 | $1,539.44 | 8.000% | No | No | Permanent Resident Alien | 1 | $690.96 | 0.000% | 0.000% | 0.000% | 05/17/2022 | 735 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.07 | 0.93 | $58,302.33 | 19.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639786 | N/A | Yes | No | $3,878.77 | $3,878.77 | 8.875% | No | No | US Citizen | 1 | $3,564.00 | 0.000% | 0.000% | 0.000% | 06/04/2022 | 709 | No | No | Other | 3 | 3 | 1 | No | $0.00 | N/A | No | 8.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | $99,963.46 | 15.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639787 | N/A | Yes | No | $1,143.45 | $1,143.45 | 8.125% | No | No | US Citizen | 1 | $1,893.96 | 0.000% | 0.000% | 0.000% | 07/19/2022 | 752 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.01 | 0.99 | $18,845.97 | 9.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639788 | N/A | Yes | No | $1,712.89 | $1,712.89 | 8.250% | No | No | US Citizen | 1 | $1,722.00 | 0.000% | 0.000% | 0.000% | 06/22/2022 | 707 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.71 | 0.58 | $12,861.21 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639789 | N/A | Yes | No | $841.42 | $841.42 | 8.250% | No | No | US Citizen | 1 | $720.00 | 0.000% | 0.000% | 0.000% | 07/14/2022 | 765 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | $90,566.66 | 57.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639790 | N/A | Yes | No | $2,080.70 | $2,080.70 | 8.375% | No | No | US Citizen | US Citizen | 1 | $921.00 | 0.000% | 0.000% | 0.000% | 06/21/2022 | 804 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | $130,835.08 | 36.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639791 | N/A | Yes | No | $1,633.36 | $1,633.36 | 8.625% | No | No | US Citizen | 2 | $595.20 | 0.000% | 0.000% | 0.000% | 06/30/2022 | 746 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.02 | 0.98 | $85,975.12 | 31.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639792 | N/A | Yes | No | $1,254.12 | $1,254.12 | 8.375% | No | No | US Citizen | 1 | $1,637.04 | 0.000% | 0.000% | 0.000% | 07/05/2022 | 775 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.19 | 0.84 | $88,934.53 | 40.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639793 | N/A | Yes | No | $1,694.96 | $1,694.96 | 8.375% | No | No | US Citizen | 1 | $2,928.96 | 0.000% | 0.000% | 0.000% | 06/28/2022 | 690 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.06 | 0.94 | $13,065.26 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639794 | N/A | Yes | No | $3,002.98 | $3,002.98 | 7.625% | No | No | US Citizen | 2 | $1,823.04 | 0.000% | 0.000% | 0.000% | 05/12/2022 | 755 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.83 | 0.55 | 240 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639795 | N/A | Yes | No | $3,234.38 | $3,234.38 | 8.625% | No | No | US Citizen | 1 | $1,941.00 | 0.000% | 0.000% | 0.000% | 07/01/2022 | 689 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.11 | 0.9 | 240 | $302,584.47 | 43.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639796 | N/A | Yes | No | $1,513.42 | $1,513.42 | 7.750% | No | No | Permanent Resident Alien | 1 | $1,671.84 | 0.000% | 0.000% | 0.000% | 06/30/2022 | 748 | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.05 | 0.95 | $122,575.30 | 38.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639797 | N/A | Yes | No | $1,352.28 | $1,352.28 | 8.250% | No | No | Foreign National | 2 | $2,573.04 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.85 | 0.54 | $164,039.91 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639798 | N/A | Yes | No | $1,270.25 | $1,270.25 | 8.500% | No | No | Foreign National | 1 | $1,096.08 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | $3,104.53 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639799 | N/A | Yes | No | $2,788.31 | $2,788.31 | 8.000% | No | No | Foreign National | Foreign National | 1 | $1,160.04 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.12 | 0.9 | $769,965.89 | 72.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639800 | N/A | Yes | No | $1,258.72 | $1,258.72 | 8.750% | No | No | 0 | Foreign National | 1 | $936.48 | 0.000% | 0.000% | 0.000% | Level 3-Stated/Partially Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.14 | 0.88 | $3,054.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639801 | N/A | Yes | No | $1,471.49 | $1,471.49 | 9.500% | No | No | 0 | 0 | Foreign National | Foreign National | 2 | $1,734.96 | 0.000% | 0.000% | 0.000% | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 9.500% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.68 | 0.6 | $161,265.13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438639802 | N/A | Yes | No | $2,450.08 | $2,450.08 | 9.000% | No | No | Foreign National | 1 | $2,325.96 | 0.000% | 0.000% | 0.000% | No | No | Other | 0 | 0 | 0 | No | $0.00 | N/A | No | 9.000% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1 | 1 | $360,398.61 | 83.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820961 | N/A | Yes | No | $2,240.13 | $2,240.13 | 6.875% | No | No | US Citizen | 4 | $1,869.72 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.24 | 0.81 | $163,095.46 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820964 | N/A | Yes | No | $2,836.29 | $2,836.29 | 6.875% | No | No | US Citizen | 4 | $1,923.96 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.17 | 0.86 | $129,707.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820967 | N/A | Yes | No | $1,700.42 | $1,700.42 | 6.625% | No | No | US Citizen | 1 | $2,280.00 | 0.000% | 0.000% | 0.000% | 06/28/2022 | 755 | No | No | Other | 0 | 0 | 0 | Yes | $0.00 | 1.4 | No | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.67 | 0.6 | 240 | $834,831.95 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820946 | Non QM | Yes | No | $20,925.40 | $27,288.58 | 6.150% | $5,205.54 | $5,205.54 | 5.875% | No | No | Self-Employed | US Citizen | $16,331.41 | 1 | $2,230.20 | 33.168% | 33.168% | 33.168% | 05/31/2022 | 725 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 1 | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $20,925.40 | 5.330% | $0.00 | 1.2 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820944 | Non QM | Yes | No | $13,000.00 | $14,737.19 | 6.374% | $3,159.58 | $3,159.58 | 6.125% | No | No | Self-Employed | US Citizen | $24,284.16 | 1 | $1,107.96 | 15.337% | 15.337% | 15.337% | 04/25/2022 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $13,000.00 | 5.330% | $0.00 | 2.6 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $158,313.97 | 24.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820945 | Non QM | Yes | No | $9,990.00 | $12,258.43 | 6.945% | $2,100.22 | $2,100.22 | 6.625% | No | No | Self-Employed | Permanent Resident Alien | $6,514.94 | 1 | $2,670.00 | 30.201% | 30.201% | 30.201% | 05/09/2022 | 761 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Expense Letter - 2022 |
Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$9,990.00 | 5.330% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | Yes | Not Stated | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820948 | Non QM | Yes | No | $3,814.00 | $3,398.73 | 6.509% | $1,122.97 | $1,122.97 | 6.375% | No | No | Self-Employed | US Citizen | $11,989.93 | 1 | $603.96 | 17.796% | 17.796% | 17.796% | 05/03/2022 | 809 | No | Yes | 12 | Personal | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: % | Expense Ratio: 0.00000% | Expense Ratio Source: Third Party Verification | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $3,814.00 | 5.330% | $4,775.00 | 2.7 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | Not Stated | $113,255.40 | 50.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820947 | Non QM | Yes | No | $19,586.00 | $11,470.44 | 6.503% | $2,678.37 | $2,678.37 | 6.250% | No | No | Self-Employed | US Citizen | $19,449.32 | 1 | $5,521.32 | 18.288% | 18.288% | 18.288% | 06/10/2022 | 793 | No | Yes | 12 | Personal | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Personal - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$19,586.00 | 5.330% | $0.00 | 2.2 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $253,330.26 | 43.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820954 | Non QM | Yes | No | $11,782.20 | $19,481.09 | 6.105% | $2,684.44 | $2,684.44 | 5.750% | No | No | Self-Employed | US Citizen | $24,454.76 | 1 | $1,996.68 | 35.927% | 35.927% | 35.927% | 05/27/2022 | 744 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Non-Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$11,782.20 | 5.180% | $0.00 | 4.0 | None | N/A | No | 5.750% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $448,351.71 | 78.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820952 | Non QM | Yes | No | $22,019.16 | $27,328.84 | 5.812% | $4,337.91 | $4,337.91 | 5.500% | No | No | Self-Employed | US Citizen | $223,161.36 | 1 | $1,339.44 | 5.748% | 5.748% | 5.748% | 05/24/2022 | 736 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $22,019.16 | 5.180% | $0.00 | 1.0 | None | N/A | No | 5.500% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $413,047.83 | 43.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820953 | Non QM | Yes | No | $11,195.00 | $12,104.21 | 6.160% | $2,290.44 | $2,290.44 | 5.875% | No | No | Self-Employed | Self-Employed | US Citizen | US Citizen | $32,867.18 | 1 | $1,421.04 | 10.489% | 10.489% | 10.489% | 05/26/2022 | 804 | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 50.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2021 [Coborrower(s) - | Primary Income - Shared Bank Statements]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Shared Bank Statements]; Account Statements - Business - 2021 |
[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying |
$11,195.00 | 5.180% | $0.00 | 1.0 | None | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820956 | Non QM | Yes | No | $9,673.80 | $15,533.60 | 6.542% | $5,490.06 | $5,490.06 | 6.375% | No | No | Self-Employed | US Citizen | $736,020.59 | 1 | $3,098.04 | 2.036% | 2.036% | 2.036% | 03/18/2022 | 728 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $9,673.80 | 5.180% | $0.00 | 4.0 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $533,450.92 | 48.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820957 | Non QM | Yes | No | $15,954.64 | $9,789.08 | 6.687% | $5,692.37 | $5,692.37 | 6.625% | No | No | Self-Employed | US Citizen | $22,605.36 | 1 | $3,060.00 | 29.476% | 29.476% | 29.476% | 06/01/2022 | 714 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 25.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $15,954.64 | 5.860% | $0.00 | 2.1 | None | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820955 | Non QM | Yes | No | $7,049.00 | $10,213.23 | 6.703% | $1,661.99 | $1,661.99 | 6.375% | No | No | Self-Employed | Permanent Resident Alien | $3,476.30 | 1 | $1,358.04 | 40.612% | 40.612% | 40.612% | 06/07/2022 | 777 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $7,049.00 | 5.180% | $0.00 | 2.5 | None | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $15,000.00 | 5.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820951 | Non QM | Yes | No | $17,575.00 | $18,581.59 | 6.631% | $2,906.19 | $2,906.19 | 6.250% | No | No | Self-Employed | US Citizen | $11,289.75 | 1 | $1,143.84 | 29.674% | 29.674% | 29.674% | 05/20/2022 | 756 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$17,575.00 | 5.180% | $0.00 | 1.6 | None | N/A | No | 6.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $110,179.92 | 19.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820949 | Non QM | Yes | No | $26,469.80 | $29,149.22 | 5.534% | $5,080.28 | $5,080.28 | 5.250% | No | No | Self-Employed | US Citizen | $39,484.26 | 1 | $2,343.00 | 23.053% | 23.053% | 23.053% | 05/11/2022 | 784 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying | $26,469.80 | 5.330% | $0.00 | 2.6 | None | N/A | No | 5.250% | 0 | 0 | 0 | 0 | 0 | 12 | 0.00 | No | $306,244.10 | 27.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820950 | Non QM | Yes | No | $32,075.00 | $15,170.21 | 6.340% | $4,010.23 | $4,010.23 | 6.125% | No | No | Self-Employed | US Citizen | $30,467.35 | 1 | $6,829.20 | 29.946% | 29.946% | 29.946% | 05/28/2022 | 794 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 50.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 1084 or income worksheet - Year Not Available | Bank Statements | 0 | 0 | 0 | No | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$32,075.00 | 5.330% | $0.00 | 2.9 | None | N/A | No | 6.125% | 0 | 0 | 0 | 0 | 0 | 24 | 0.00 | No | $575,937.60 | 70.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820968 | ATR Risk | Yes | No | $2,904.95 | $3,860.93 | 7.078% | $703.73 | $703.73 | 6.750% | No | No | Not Employed | US Citizen | ($1,508.42) | 1 | $756.96 | 0.000% | 0.000% | 0.000% | 06/28/2022 | 814 | No | No | [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Other | 0 | 0 | 0 | No Income Provided | $2,904.95 | 5.880% | $0.00 | 3.1 | None | No | No | 6.750% | 0 | 0 | 0 | 3 | 0 | 0.00 | No | $311,165.11 | 100.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820969 | Non QM | Yes | No | $4,287.50 | $5,394.03 | 6.801% | $1,568.76 | $1,568.76 | 6.625% | No | No | Self-Employed | US Citizen | $2,395.48 | 1 | $3,474.00 | 48.721% | 48.721% | 48.721% | 05/31/2022 | 693 | Yes | Yes | 24 | Business | 86.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Non-Primary Income - Asset Depletion]; Account Statements - 2022 |
[Borrower]; Transcripts (1040) - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; Transcripts (1040) - 2020 [Borrower]; Transcripts (1040) - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Transcripts (1040) - 2019 [Borrower]; Transcripts (1040) - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Borrower]; 1084 or income worksheet - Year Not Available |
Asset Depletion | 0 | 0 | 0 | Other Income - Not to be used for qualifying Other Income - Not to be used for qualifying QM DTI |
$4,287.50 | 5.780% | $0.00 | 1.0 | None | N/A | No | 6.625% | 0 | 0 | 0 | 3 | 3 | 24 | 0.00 | No | Other | $27,060.67 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820963 | N/A | Yes | No | $2,493.04 | $2,493.04 | 6.875% | No | No | US Citizen | 4 | $2,097.96 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.21 | 0.83 | $263,095.46 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820965 | N/A | Yes | No | $2,167.87 | $2,167.87 | 6.875% | No | No | US Citizen | 4 | $1,869.72 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.53 | 0.65 | $129,707.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820970 | Safe Harbor QM (APOR) | Yes | No | $9,608.75 | $11,305.19 | 6.536% | $3,899.19 | $3,899.19 | 6.375% | No | No | Self-Employed | US Citizen | $20,260.03 | 1 | $1,860.96 | 24.570% | 24.570% | 24.570% | 06/24/2022 | 718 | No | Yes | 12 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | None | $9,608.75 | 5.860% | $23,000.00 | 1.1 | None | Yes | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | Not Stated | $494,067.54 | 44.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820960 | N/A | Yes | No | $2,941.89 | $2,941.89 | 7.250% | No | No | 0 | US Citizen | 2 | $1,710.24 | 0.000% | 0.000% | 0.000% | 08/04/2022 | 735 | Level 1-Not Stated/Not Verified | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 0.92 | 1.09 | $5,000.00 | 1.000% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820966 | N/A | Yes | No | $2,036.48 | $2,036.48 | 6.875% | No | No | US Citizen | 4 | $1,869.72 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.43 | 0.7 | $129,707.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820971 | Non QM | Yes | No | $17,023.84 | $17,930.92 | 6.666% | $2,536.75 | $2,536.75 | 6.250% | No | No | Self-Employed | US Citizen | $12,239.28 | 1 | $1,875.96 | 39.280% | 39.280% | 39.280% | 06/24/2022 | 726 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 40.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 24]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM Points and Fees 2021 |
$17,023.84 | 5.860% | $0.00 | 2.6 | None | No | No | 6.250% | 0 | 0 | 0 | 3 | 0 | 24 | 0.00 | No | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820972 | N/A | Yes | No | $32,250.00 | 6.373% | $6,706.60 | $6,706.60 | 6.375% | No | No | Not Employed | Self-Employed | Not Employed | 30.35 | 0 | US Citizen | US Citizen | $53,350.59 | 3 | $4,601.64 | 33.140% | 33.140% | 33.140% | 08/11/2022 | 801 | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined | Level 3-Stated/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | Yes | 12 | Business | 100.000% | [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Account Statements - Business - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; CPA Letter - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 [Coborrower(s) - | Primary Income - Bank Statements | % of Business Ownership: 49.00% | Expense Ratio: 50.00000% | Expense Ratio Source: Fixed | # of Bank Statements Required: 12]; Third Party Verification - 2022 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 |
Bank Statements | 0 | 0 | 0 | $32,250.00 | 5.350% | $0.00 | None | No | No | 6.375% | 0 | 0 | 0 | 3 | 0 | 12 | 0.00 | No | $1,296,106.38 | 56.000% | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820962 | N/A | Yes | No | $1,773.71 | $1,773.71 | 6.875% | No | No | US Citizen | 4 | $1,773.96 | 0.000% | 0.000% | 0.000% | 06/29/2022 | 715 | No | No | Other | 0 | 0 | 0 | No | $0.00 | No | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0.00 | No | 1.33 | 0.75 | $129,707.92 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 438820973 | Non QM | Yes | No | $15,439.00 | $17,260.13 | 7.251% | $2,916.76 | $2,916.76 | 6.875% | No | No | Self-Employed | Permanent Resident Alien | $16,405.46 | 1 | $2,037.96 | 49.568% | 49.568% | 49.568% | 07/25/2022 | 754 | No | Yes | 24 | Business | 100.000% | 100.000% | [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Account Statements - Business - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; CPA Letter - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Third Party Verification - 2022 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2020 [Borrower - | Primary Income - Bank Statements | % of Business Ownership: 100.00% | Expense Ratio: 20.00000% | Expense Ratio Source: CPA Letter | # of Bank Statements Required: 24]; Other - 2020 |
[Borrower]; 4506-C - 2021 [Borrower]; 4506-T - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-T - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available |
Bank Statements | 0 | 0 | 0 | Other Income - Not to be used for qualifying QM DTI QM Points and Fees 2021 |
$15,439.00 | 5.350% | $0.00 | 3.2 | None | No | No | 6.875% | 0 | 0 | 0 | 2 | 0 | 24 | 0.00 | No | $20,000.00 | 4.000% |