Exhibit 99.3

 

Exception Grades
Run Date - 11/21/2022 8:42:48 AM    

 

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category
217868243 [redacted]     25697122     Credit Income / Employment Income Documentation Missing Document 
217868243 [redacted]     25850760     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
217973582 [redacted]     25808794     Credit Hazard Insurance Insufficient Coverage Hazard Insurance
217973582 [redacted]     25960390     Credit Credit Miscellaneous Guideline
217976953 [redacted]     25795500     Credit Credit Credit Documentation Credit
217976953 [redacted]     25816049     Credit Credit Miscellaneous Guideline
217982212 [redacted]     25833083     Credit Missing Document General Missing Document
218007197 [redacted]     25844876     Credit Credit Credit Documentation Credit
218007209 [redacted]     25856016     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218011554 [redacted]     25879304     Credit Income / Employment Income Documentation Income / Employment
218023551 [redacted]     25878440     Credit Income / Employment Income Documentation Missing Document 
218039955 [redacted]     25918455     Credit Credit Credit Documentation Missing Document 
218039955 [redacted]     25918461     Credit Missing Document General Missing Document
218039955 [redacted]     25918462     Credit Missing Document General Missing Document
218039955 [redacted]     25918471     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218039955 [redacted]     25918588     Credit Income / Employment Income Documentation Income / Employment
218039955 [redacted]     25918671     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218039955 [redacted]     25918719     Credit HECM General HECM
218040027 [redacted]     25931458     Credit Missing Document General Missing Document
218055516 [redacted]     25937915     Credit Hazard Insurance Insufficient Coverage Hazard Insurance
218055570 [redacted]     25926676     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218055570 [redacted]     25939148     Credit Credit Miscellaneous Guideline
218056887 [redacted]     25948689     Credit HECM General HECM
218056887 [redacted]     25950467     Credit Insurance Insurance Analysis Insurance
218056906 [redacted]     25986726     Credit Insurance Insurance Analysis Insurance
218070034 [redacted]     25993995     Credit Collateral Missing/Incorrect Collateral
218070034 [redacted]     25994622     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218070035 [redacted]     25986705     Property Valuation Valuation Issue Valuation
218074008 [redacted]     25991556     Credit Income / Employment Income Documentation Income / Employment
218074008 [redacted]     25998962     Credit HECM General HECM
218097609 [redacted]     26025759     Credit Credit Credit Documentation Credit
218102407 [redacted]     26033423     Credit Credit Credit Documentation Credit
218102413 [redacted]     26035827     Credit Hazard Insurance Insufficient Coverage Hazard Insurance
218102413 [redacted]     26036313     Credit Credit Credit Documentation Credit
218102413 [redacted]     26036324     Credit Income / Employment Income Documentation Income / Employment
218102413 [redacted]     26036395     Credit HECM General HECM
218102416 [redacted]     26035008     Credit HECM General HECM
218143421 [redacted]     26153255     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218143421 [redacted]     26153466     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal
218143481 [redacted]     26157101     Credit Loan Package Documentation Closing / Title Missing Document 
218143517 [redacted]     26157646     Credit Missing Document General Missing Document
218143517 [redacted]     26157711     Credit HECM General HECM
218251012 [redacted]     26219554     Credit HECM General HECM
218287182 [redacted]     26224237     Credit Missing Document General Missing Document
218287184 [redacted]     26224465     Credit Hazard Insurance Insufficient Coverage Hazard Insurance
218287192 [redacted]     26219139     Credit Credit Miscellaneous Guideline
218290703 [redacted]     26229124     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218290703 [redacted]     26229148     Credit Income / Employment Income Documentation Income / Employment
218290713 [redacted]     26232528     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218293774 [redacted]     26245382     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218293774 [redacted]     26245387     Credit HECM General HECM
218293774 [redacted]     26245394     Credit Income / Employment Income Documentation Income / Employment
218296921 [redacted]     26250056     Credit Income / Employment Income Documentation Income / Employment
218298728 [redacted]     26256809     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note
218298728 [redacted]     26256810     Credit Loan Package Documentation Closing / Title Missing Document 
218298731 [redacted]     26259245     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218337671 [redacted]     26281285     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218337671 [redacted]     26281474     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218337671 [redacted]     26991555     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218337672 [redacted]     26285286     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218339076 [redacted]     26285049     Credit Missing Document General Missing Document
218339078 [redacted]     26285232     Credit Missing Document General Missing Document
218350810 [redacted]     26302070     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218350810 [redacted]     26302071     Credit Missing Document General Missing Document
218350810 [redacted]     26302112     Credit Income / Employment Income Documentation Income / Employment
218350810 [redacted]     26302504     Credit Credit Credit Documentation Missing Document 
218350811 [redacted]     26303144     Credit Income / Employment Income Documentation Income / Employment
218350811 [redacted]     26303205     Credit Credit Credit Documentation Missing Document 
218354223 [redacted]     26308277     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218354223 [redacted]     26309764     Credit Income / Employment Income Documentation Income / Employment
218354389 [redacted]     26304828     Credit Credit Miscellaneous Guideline
218355417 [redacted]     26313377     Credit Loan Package Documentation Loan File Missing Document 
218355417 [redacted]     26313573     Credit Income / Employment Income Documentation Missing Document 
218355417 [redacted]     26346720     Credit Credit Miscellaneous Guideline
218357095 [redacted]     26331587     Credit HECM General HECM
218357098 [redacted]     26991558     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218364906 [redacted]     26339944     Credit Income / Employment Income Documentation Income / Employment
218364906 [redacted]     26340813     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218367326 [redacted]     26348062     Credit Credit Miscellaneous Guideline
218373291 [redacted]     26352344     Credit HECM General HECM
218373295 [redacted]     26350415     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218374964 [redacted]     26361036     Credit Credit Miscellaneous Guideline
218376128 [redacted]     26365690     Credit Insurance Insurance Analysis Insurance
218376131 [redacted]     26366218     Credit Income / Employment Income Documentation Missing Document 
218376131 [redacted]     26366438     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218381053 [redacted]     26375093     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218381053 [redacted]     26375122     Property Property - Appraisal Appraisal Documentation Property - Appraisal
218381053 [redacted]     26375151     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218385658 [redacted]     26399435     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218385665 [redacted]     26406931     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal
218385666 [redacted]     26402006     Credit Credit Miscellaneous Guideline
218385669 [redacted]     26401282     Credit Missing Document General Missing Document
218385669 [redacted]     26401290     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218385669 [redacted]     26401533     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218385669 [redacted]     26401616     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218387261 [redacted]     26432473     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218387261 [redacted]     26432977     Credit Credit Miscellaneous Guideline
218387264 [redacted]     26432940     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218387264 [redacted]     26432976     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218387343 [redacted]     26428246     Credit Insurance Insurance Analysis Insurance
218387343 [redacted]     26991560     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218398982 [redacted]     26438887     Credit Missing Document General Missing Document
218398982 [redacted]     26441350     Credit HECM General HECM
218398988 [redacted]     26433758     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation
218402499 [redacted]     26450272     Credit Missing Document General Missing Document
218404609 [redacted]     26460027     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218404609 [redacted]     26460112     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218404613 [redacted]     26462170     Credit Missing Document General Missing Document
218404613 [redacted]     26462448     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218404613 [redacted]     26462467     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218404639 [redacted]     26471702     Credit HECM General HECM
218406332 [redacted]     26472541     Credit Missing Document General Missing Document
218406340 [redacted]     26477284     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218406347 [redacted]     26472118     Credit Income / Employment Income Documentation Income / Employment
218406364 [redacted]     26479089     Credit HECM General HECM
218406365 [redacted]     26478920     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218406365 [redacted]     26478986     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218407475 [redacted]     26479894     Credit HECM General HECM
218407476 [redacted]     26480061     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218407481 [redacted]     26487916     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218407481 [redacted]     26490833     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal
218407482 [redacted]     26483904     Credit Income / Employment Income Documentation Income / Employment
218412733 [redacted]     26494102     Credit Credit Miscellaneous Guideline
218412736 [redacted]     26498943     Credit Insurance Insurance Documentation Insurance
218412736 [redacted]     26923106     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218412737 [redacted]     26499297     Credit Income / Employment Income Documentation Income / Employment
218412738 [redacted]     26492928     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note
218412738 [redacted]     26492932     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218412740 [redacted]     26493205     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218412740 [redacted]     26493207     Credit Credit Credit Documentation Credit
218412740 [redacted]     26493209     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note
218412740 [redacted]     26493580     Credit Loan Package Documentation Closing / Title Missing Document 
218412740 [redacted]     26493597     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218412740 [redacted]     26500152     Credit Loan Package Documentation Loan File Missing Document 
218412741 [redacted]     26498941     Credit Missing Document General Missing Document
218412742 [redacted]     26499229     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218412742 [redacted]     26499294     Credit Insurance Insurance Analysis Insurance
218428114 [redacted]     26511260     Credit Missing Document General Missing Document
218428116 [redacted]     26512869     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218428116 [redacted]     26512893     Credit Insurance Insurance Analysis Insurance
218428116 [redacted]     26513010     Property Property - Appraisal Appraisal Documentation Property - Appraisal
218428116 [redacted]     26513075     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218428118 [redacted]     26512037     Credit Credit Credit Documentation Missing Document 
218428118 [redacted]     26512045     Credit Missing Document General Missing Document
218428118 [redacted]     26512119     Credit Income / Employment Income Documentation Income / Employment
218428118 [redacted]     26512419     Credit Credit Miscellaneous Guideline
218428118 [redacted]     26512513     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218444591 [redacted]     26525478     Credit Insurance Insurance Analysis Insurance
218444593 [redacted]     26923112     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218444594 [redacted]     26525392     Credit Modification Loss Mitigation Document Check Modification
218444594 [redacted]     26534525     Credit HECM General HECM
218444696 [redacted]     26526250     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218444696 [redacted]     26923113     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218449731 [redacted]     26904246     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218450054 [redacted]     26552653     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218453113 [redacted]     26555986     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218453113 [redacted]     26596962     Credit Income / Employment Income Documentation Income / Employment
218453113 [redacted]     26597120     Credit Credit Miscellaneous Guideline
218453114 [redacted]     26556400     Credit Insurance Insurance Documentation Insurance
218453121 [redacted]     26567586     Credit Credit Miscellaneous Guideline
218453121 [redacted]     26904247     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218453122 [redacted]     26574184     Credit HECM General HECM
218453122 [redacted]     26574382     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218459901 [redacted]     26605039     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note
218459901 [redacted]     26605044     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218459901 [redacted]     26605052     Credit Missing Document General Missing Document
218459901 [redacted]     26605054     Credit Missing Document General Missing Document
218459901 [redacted]     26606903     Credit Income / Employment Income Documentation Missing Document 
218459904 [redacted]     26619489     Credit Income / Employment Income Documentation Income / Employment
218459904 [redacted]     26923114     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218459915 [redacted]     26641168     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218481866 [redacted]     26663550     Credit Credit Miscellaneous Guideline
218508462 [redacted]     26671991     Credit Missing Document General Missing Document
218508463 [redacted]     26667281     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218514155 [redacted]     26683103     Credit Insurance Insurance Analysis Insurance
218514155 [redacted]     26683113     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218532304 [redacted]     26923117     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218532313 [redacted]     26707116     Credit Missing Document General Missing Document
218702086 [redacted]     26808886     Credit Missing Document General Missing Document
218714581 [redacted]     26810676     Credit Credit Credit Documentation Missing Document 
218723663 [redacted]     26818623     Credit Missing Document General Missing Document
218723663 [redacted]     26818923     Credit Income / Employment Income Documentation Income / Employment
218723694 [redacted]     26825485     Credit Missing Document General Missing Document
218731962 [redacted]     26840725     Credit Missing Document General Missing Document
218735054 [redacted]     26846847     Credit Property - Appraisal Property Eligibility - Subject and Improvements Property - Appraisal
218746038 [redacted]     26856484     Credit Credit Credit Documentation Credit
218751893 [redacted]     26862476     Credit Missing Document General Missing Document
218751893 [redacted]     26862504     Credit Credit Credit Documentation Credit
218751893 [redacted]     26862517     Credit Income / Employment Income Documentation Income / Employment
218751893 [redacted]     26863740     Credit Credit Credit Documentation Credit
218751921 [redacted]     26867940     Credit Income / Employment Income Documentation Income / Employment
218751950 [redacted]     26868313     Credit Missing Document General Missing Document
218760283 [redacted]     26869615     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218760286 [redacted]     26870533     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218822090 [redacted]     26926013     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218822090 [redacted]     26926076     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218822120 [redacted]     26925562     Credit Loan Package Documentation Loan File Missing Document 
218822120 [redacted]     26927940     Credit HECM General HECM
218835218 [redacted]     26930898     Credit Income / Employment Income Documentation Missing Document 
218838751 [redacted]     26946105     Credit Credit Credit Documentation Credit
218838751 [redacted]     26946137     Credit Title Document Error Title
218838751 [redacted]     26946151     Credit Credit Miscellaneous Guideline
218910931 [redacted]     26978933     Credit Loan Package Documentation Closing / Title Loan Package Documentation
218910931 [redacted]     26978980     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218910931 [redacted]     26979057     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218940579 [redacted]     26987794     Credit Credit Miscellaneous Guideline
218948851 [redacted]     26998601     Credit Credit Credit Documentation Credit
218948851 [redacted]     26998641     Credit Compliance Miscellaneous Compliance Compliance
218948851 [redacted]     26998761     Credit Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete HUD-1
218948851 [redacted]     26998768     Credit Asset Asset Documentation Asset
218948856 [redacted]     26997440     Credit Income / Employment Income Documentation Missing Document 
218952317 [redacted]     27004590     Credit Loan Package Documentation Closing / Title Missing Document 
218952319 [redacted]     27004869     Credit Credit Credit Documentation Credit
218952340 [redacted]     27007531     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218952340 [redacted]     27007567     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218961799 [redacted]     27040906     Credit HECM General HECM
218961802 [redacted]     27009456     Credit Credit Credit Documentation Credit
218961804 [redacted]     27011326     Credit Missing Document General Missing Document
218961804 [redacted]     27011437     Credit Credit Credit Documentation Missing Document 
218961804 [redacted]     27011454     Credit Credit Credit Documentation Credit
218961804 [redacted]     27011469     Credit HECM General HECM
218961804 [redacted]     27011485     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218961804 [redacted]     27011486     Credit Missing Document General Missing Document
218961804 [redacted]     27011489     Credit Hazard Insurance Insufficient Coverage Hazard Insurance
218964679 [redacted]     27018174     Credit Missing Document General Missing Document
218964682 [redacted]     27014133     Credit Missing Document General Missing Document
218964682 [redacted]     27014698     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218967321 [redacted]     27036590     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218985260 [redacted]     27045133     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
218985261 [redacted]     27043869     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
218985276 [redacted]     27043738     Credit Credit Credit Documentation Credit
218988540 [redacted]     27050055     Credit Income / Employment Income Documentation Income / Employment
218988548 [redacted]     27051758     Credit HECM General HECM
218990044 [redacted]     27060524     Credit Loan Package Documentation Application / Processing Loan Package Documentation
218990045 [redacted]     27076763     Credit Loan Package Documentation Application / Processing Loan Package Documentation
219017791 [redacted]     27125321     Credit Credit Credit Documentation Missing Document 
219017791 [redacted]     27125433     Credit Property - Appraisal Appraisal Documentation Property - Appraisal
219017791 [redacted]     27125436     Credit HECM General HECM
219017791 [redacted]     27127278     Credit Credit Miscellaneous Guideline
219030584 [redacted]     27134648     Credit Missing Document General Missing Document
219030584 [redacted]     27138032     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility
219030687 [redacted]     27137575     Credit Missing Document General Missing Document
219030690 [redacted]     27132077     Credit HECM General HECM
219030691 [redacted]     27138094     Credit Income / Employment Income Documentation Income / Employment
219030695 [redacted]     27138141     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal
219030695 [redacted]     27138145     Credit Credit Miscellaneous Guideline
219035064 [redacted]     27144896     Credit Credit Miscellaneous Guideline
219100823 [redacted]     27193060     Credit Credit Miscellaneous Guideline
219100834 [redacted]     27200580     Credit Title Document Error Title
219100835 [redacted]     27197163     Credit Loan Package Documentation Application / Processing Loan Package Documentation
219100849 [redacted]     27204419     Credit Credit Credit Documentation Credit
219105564 [redacted]     27232555     Credit Credit Miscellaneous Guideline

 

SitusAMC Loan ID Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party
217868243 REO Documents are missing. - Missing HOA Verification.      
217868243 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   HOA dues verification reflects that HOA dues are for the two properties at [redacted] is [redacted]/month making residual short by $[redacted].      
217973582 Hazard Insurance Policy expires within 30 days of the Note Date. Hazard Insurance Policy Expiration Date ___, Note Date ___ The master insurance policy expired in [redacted] and loan closed in [redacted]. Please provide updated evidence of insurance.      
217973582 Credit Exception:   HO-6 policy is effective till [redacted] but blanket policy expired on [redacted] and Note date is [redacted].  Please provided the renewed blanket policy effective [redacted] and expiration of [redacted].      
217976953 Missing Document: FNMA 1009 - Application not provided          
217976953 Credit Exception:   The loan file does not document that both mortgages associated with the subject property were current at time of closing. Mortgage payoff in file reflects loan was due for [redacted] payment and loan closed [redacted].      
217982212 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218007197 Missing Document: FNMA 1009 - Application not provided   Final 1009 Loan Application was not provided.      
218007209 Missing Document: Appraisal not provided   Missing secondary appraisal with effective date of [redacted] and appraised value of $[redacted].      
218011554 Income Docs Missing: - Only bank statement in file evidencing pension income.  Still need either awards letter or 1099.      
218023551 REO Documents are missing. -        
218039955 Missing Document: Credit Report not provided          
218039955 Missing Document: Flood Certificate - Life of Loan not provided          
218039955 Missing Document: FNMA 1009 - Application - Initial not provided          
218039955 Missing Document: Photo ID not provided          
218039955 Income Docs Missing: - Missing Award Letter or 1099-SSA and bank statement for proof of Social Security      
218039955 There is no documentation of the borrower's age. -        
218039955 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
218040027 Missing Document: Schedule of Closing Costs not provided   Missing Schedule of Closing Costs.      
218055516 The Hazard Insurance Policy effective date is after the funds disbursed.          
218055570 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Residual Income not met due to lender only using one installment to calculate monthly taxes and not both installments per tax certificate.      
218055570 Credit Exception:   Missing additional social security income verification in the amount of $[redacted]/month.  Only one bank statement in file verifying this amount.  Still need either an awards letter for this amount or SSA-1099.      
218056887 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
218056887 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dwelling coverage is less than appraised value minus site value per appraisal and extended replacement coverage or replacement cost estimator not located in file.      
218056906 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Dwelling coverage plus extended replacement coverage is less than appraised value minus site value per appraisal and replacement cost estimator not located in file.      
218070034 PUD Rider is missing.          
218070034 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met. Residual income of ___ is below the required amount.  Loans require residual income of at least  ___ for a family size of ___ in the state of ___. Please provide all income calculation worksheets.  FA worksheet states Sch C is a positive $4,039.70 and if do a 24 month average for 2020 and 2019 there is a -$4,177/month loss.      
218070035 The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal   Desk Review effective date of [redacted] does not match the Appraisal effective date of [redacted].      
218074008 Income Docs Missing: - Missing VOE completed within 10 days of disbursement date.      
218074008 Missing/Incomplete Condo HOA History   Missing 24 month HOA payment history of subject property.  Only 12 months verified.  Is $[redacted] HOA payment monthly or quarterly?  FA worksheet states monthly but one year HOA payment history verification states quarterly.  Correct FA worksheet if quarterly.      
218097609 OFAC was not provided and is required.   OFAC not provided for Borrower and is required by guidelines.      
218102407 OFAC was not provided and is required.          
218102413 Hazard Insurance Policy expires within 60 days of the Note Date. Hazard Insurance Policy Expiration Date ___; Note Date ___        
218102413 OFAC was not provided and is required.          
218102413 Income Docs Missing: - Missing an award letter for the Borrower's pension income.      
218102413 Missing/Incomplete Property Tax History   The loan file is missing a 24 month property tax payment history as required by guidelines. The mortgage statement in file reflects there is not an escrow account established with the current mortgage.      
218102416 Missing/Incomplete Property Tax History   The loan file is missing a 24 month tax payment history as required by guidelines. The loan file does not contain a mortgage statement to verify if taxes were previously escrowed.      
218143421 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   [redacted] is the most recent credit report pulled prior to closing which has higher debt then on FA      
218143421 Value variance greater than 10% between origination appraisal and subsequent product          
218143481 Missing Document: Security Instrument - Subject Lien not provided          
218143517 Missing Document: Desk Review not provided          
218143517 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
218251012 Missing/Incomplete Condo HOA History   Missing 24 month HOA payment history on subject property.      
218287182 Missing Document: Verification of Non-US Citizen Status not provided   Final 1009 application was corrected and initialed to permanent resident alien and resident alien card not in file.      
218287184 Hazard Insurance Policy expires within 60 days of the Note Date. Hazard Insurance Policy Expiration Date ___; Note Date ___        
218287192 Credit Exception:   Section G of FA worksheet has an additional $[redacted]/month monthly property charge that is included in residual income calculation but no documentation evidencing what this fee is for.      
218290703 Missing Document: Appraisal not provided   Provide evidence of second appraisal or proof second appraisal was waived by borrower.      
218290703 Income Docs Missing: -        
218290713 Missing Final HUD-1          
218293774 Missing Document: Appraisal not provided   Missing primary appraisal for appraised value being greater than $[redacted].      
218293774 Missing/Incomplete Condo HOA History   Missing HOA dues and 24 month history.      
218293774 Income Docs Missing: - Missing Pension Award Letter.  Only bank statement provided verifying pension deposit but still need awards letter or 1099 per guidelines..      
218296921 Income Docs Missing: - Missing Award Letter for Pension.      
218298728 Missing Document: Note - Subject Lien not provided          
218298728 Missing Document: Security Instrument - Subject Lien not provided          
218298731 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Required residual income is $[redacted] with adding proceeds of $[redacted] required residual still is not met.      
218337671 Missing Document: Appraisal not provided   Missing secondary appraisal with effective date of $[redacted] and an appraised value of $[redacted].      
218337671 Missing Document: Photo ID not provided          
218337671 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to FEMA disaster declaration.  A post-disaster property inspection report showing no damage to the subject property is required. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Property inspected post disaster but pre-FEMA declaration of disaster end date.		 Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 9/29/22 SitusAMC

SitusAMC
218337672 Missing Final HUD-1   Only estimated HUD provided      
218339076 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218339078 Missing Document: Verification of Non-US Citizen Status not provided          
218350810 Missing Document: Photo ID not provided          
218350810 Missing Document: FNMA 1009 - Application - Initial not provided          
218350810 Income Docs Missing: -        
218350810 Missing Document: Credit Report not provided          
218350811 Income Docs Missing: -        
218350811 Missing Document: Credit Report not provided          
218354223 Missing Final HUD-1          
218354223 Income Docs Missing: - Missing VVOE completed within 10 days of disbursement date      
218354389 Credit Exception:   Final 1009 application Declaration Section is missing if co-borrower is a US Citizen or not.      
218355417 Missing Document: Hazard Insurance Policy not provided   Missing Hazard Insurance Policy      
218355417 REO Documents are missing. - Missing Tax Verification on REO      
218355417 Credit Exception:   Hazard dwelling coverage is less than appraised value minus site value the there is no extended replacement coverage or replacement cost estimator located in file.      
218357095 Missing/Incomplete Condo HOA History   Missing HOA payment history on subject property      
218357098 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to FEMA disaster declaration.  A post-disaster property inspection report showing no damage to the subject property is required. Borrower has worked in the same position for more than 3 years.

Property inspected post disaster but pre-FEMA declaration of disaster end date.		 Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 9/29/22 SitusAMC

SitusAMC
218364906 Income Docs Missing: - Missing Bank Statement      
218364906 Missing Lien(s) negatively impacting title   Tax lien on the preliminary title report. The release of lien does not indicate a release date, and the HUD1 does not show the lien as satisfied.      
218367326 Credit Exception:   Final 1009 application Declaration section for borrower US Citizen is incomplete      
218373291 Missing/Incomplete Condo HOA History   Missing 24 month HOA payment history of subject property      
218373295 Missing Document: Appraisal not provided   Missing primary appraisal with effective date of [redacted] and appraised value of $[redacted].      
218374964 Credit Exception:   FA worksheet and final 1009 application addendum have a $[redacted]/month [redacted] payment but no document evidencing payment in file.  Is the the taxes and insurance for property located at [redacted]?  Please provided verification and documentation for both if they are not the same.      
218376128 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage amount is insufficient.  Replacement Cost Estimator was not provided.      
218376131 REO Documents are missing. - Missing Hazard Insurance for REO property.      
218376131 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Residual Income has not been met and Fully Funded Life Expectancy is not in place.      
218381053 Missing Document: Appraisal not provided   Missing Appraisal.      
218381053 Loan is to be securitized.  Appraisal is missing.; Sec ID: 1          
218381053 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.          
218385658 Missing Document: Appraisal not provided   Missing secondary appraisal with effective date of [redacted] and appraised value of $[redacted]      
218385665 Value variance greater than 10% between origination appraisal and subsequent product          
218385666 Credit Exception:   Final 1009 application Declaration Section is incomplete      
218385669 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218385669 Missing Document: Appraisal not provided          
218385669 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Once FA worksheet is received and reviewed this exception will be re-evaluated.  Unable to determine if asset depletion was used to cover residual income shortfall until FA worksheet is received.      
218385669 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Missing appraisal      
218387261 Missing Document: Appraisal not provided   Missing secondary appraisal with effective date of [redacted] and appraised value of $[redacted].      
218387261 Credit Exception:   Initial and final 1009 application do not state Years of Residence at Present Address.      
218387264 1003 Error: # of years at current address was not provided - Missing # of years at address.  Provide a corrected final 1009 Application.      
218387264 1003 Error: # of years at current address was not provided - # of years on Application is not provided.  Provide a corrected final 1009 application.      
218387343 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.  Replacement Cost Estimator is not provided.      
218387343 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to FEMA disaster declaration.  A post-disaster property inspection report showing no damage to the subject property is required. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 9/29/22 SitusAMC
218398982 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided   Missing Financial Assessment.  Residual income requirements will be re-evaluated once document is received.      
218398982 Missing/Incomplete Condo HOA History          
218398988 Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___ Desk Review Value to Appraisal Value is -[redacted]%.   Field Review was provided.      
218402499 Missing Document: Desk Review not provided          
218404609 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Exception firing due to missing appraisal      
218404609 Missing Document: Appraisal not provided   Missing Appraisal.      
218404613 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218404613 1003 Error: # of years at current address was not provided - Number of years at current address is not provided.      
218404613 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Residual Income not met.  Missing Financial Assessment.  This exception will be re-evaluated once FA worksheet is received and reviewed.      
218404639 Missing/Incomplete Condo HOA History   24 months required and only 18 months verified      
218406332 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218406340 Missing Document: Appraisal not provided   Missing second appraisal or verification borrower waived second appraisal      
218406347 Income Docs Missing: - Using 1099-SSA for income and per deal doc's requires Bank statement or provide a legible awards letter.      
218406364 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
218406365 Missing Document: Appraisal not provided          
218406365 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Exception firing due to missing exception      
218407475 Missing/Incomplete Condo HOA History   HOA documentation is not provided, however, per Appraisal Report there is HOA dues.      
218407476 Missing Document: Appraisal not provided          
218407481 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Per FA the underwriter is not using rental income or self employed income but in the comments they mention rental income and there is the income analysis worksheet completed in file and also the rental income worksheet so it is unclear what is being used for qualifying income.  Please clarify what income was used to qualify and should be input in our system to determine qualifying income.  UW analysis comments are confusing as there is no Corporation or rental income or losses listed in section F of the FA worksheet.  Please provide breakdown of income used along with all corresponding documents to verify incomes and losses.      
218407481 Value variance greater than 10% between origination appraisal and subsequent product          
218407482 Income Docs Missing: - Missing Third Party Verification      
218412733 Credit Exception:   Missing subject property conventional mortgage payment history.      
218412736 Missing Document: Flood Insurance Policy not provided          
218412736 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218412737 Income Docs Missing: - Missing VVOE completed within 10 days of disbursement date.      
218412738 Missing Document: Note - Subject Lien not provided          
218412738 Missing Document: Final Loan Agreement not provided          
218412740 Missing Document: Final Loan Agreement not provided          
218412740 Missing Document: FNMA 1009 - Application not provided          
218412740 Missing Document: Note - Subject Lien not provided          
218412740 Missing Document: Security Instrument - Subject Lien not provided          
218412740 Security Instrument Loan Amount not provided.   Security instrument is missing      
218412740 Missing Document: Hazard Insurance Policy not provided   Hazard policy in file expired on [redacted].  Provide current hazard policy with premium of $[redacted]/year per FA worksheet.      
218412741 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218412742 Missing Final HUD-1          
218412742 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Coverage insufficient no replacement cost estimator in file.      
218428114 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218428116 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.          
218428116 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage amount is insufficient.  Replacement Cost Estimator was not provided.  Appraisal is missing and unable to determine if Coverage is sufficient.      
218428116 Loan is to be securitized.  Appraisal is missing.; Sec ID: 1          
218428116 Missing Document: Appraisal not provided          
218428118 Missing Document: Credit Report not provided          
218428118 Missing Document: FNMA 1009 - Application - Initial not provided          
218428118 Income Docs Missing: -        
218428118 Credit Exception:   Subject property is a conventional to HECM refinance and missing mortgage payment history.      
218428118 Missing Document: Photo ID not provided          
218444591 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance Coverage Amount is insufficient.  Replacement Cost Estimator is not provided.      
218444593 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218444594 Missing Document: Payment Plan not provided   Reverse Mortgage Comparison disclosure dated same day as Note/Loan Agreement is missing.      
218444594 Missing/Incomplete Condo HOA History          
218444696 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Residual Income is below the required amount due to missing [redacted] bank statement for Asset Dissipation.      
218444696 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218449731 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218450054 1003 Error: # of years at current address was not provided -        
218453113 Missing Final HUD-1          
218453113 Income Docs Missing: - Missing VVOE completed within 10 days of disbursement date.      
218453113 Credit Exception:   Appraisal marked property as 2-family but Security Instrument 1-4 family rider not checked or provided.      
218453114 Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance.   Policy showing dwelling coverage is missing only have payment in the file      
218453121 Credit Exception:   HOA verification not provided.      
218453121 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218453122 Missing/Incomplete Condo HOA History   Per Appraisal there are HOA dues and history is not provided.      
218453122 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Residual Income is below the required amount.  According to the Appraisal there are HOA dues that were not reflected on the Financial Assessment.      
218459901 Missing Document: Note - Subject Lien not provided          
218459901 Missing Document: Final Loan Agreement not provided          
218459901 Missing Document: Schedule of Closing Costs not provided          
218459901 Missing Document: Desk Review not provided          
218459901 REO Documents are missing. - Missing Tax document for REO vacant lot.      
218459904 Income Docs Missing: - Only SSA-1099 provided.  Need most recent bank statement showing deposit or awards letter.      
218459904 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218459915 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Per FA pension was entered at $[redacted] but per Pension Award letter pension is $[redacted] making the income below Residual requirements      
218481866 Credit Exception:   Final 1009 application Declaration section is incomplete.      
218508462 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218508463 1003 Error: # of years at current address was not provided - Was not disclosed      
218514155 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   This exception will be addressed once the appraisal is provided.      
218514155 Missing Document: Appraisal not provided          
218532304 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218532313 Missing Document: Desk Review not provided          
218702086 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218714581 Missing Document: Credit Report not provided   Credit Supplement was provided for the Co-Borrower.  Credit Report is not provided.      
218723663 Missing Document: FNMA 1009 - Application - Initial not provided          
218723663 Income Docs Missing: - Missing Award Letter or SSA-1099.      
218723694 Missing Document: Desk Review not provided          
218731962 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218735054 Log homes are ineligible per guidelines.   Property is reflected as a log home and is ineligible per guidelines.      
218746038 Missing Document: FNMA 1009 - Application not provided   Missing the final Borrower signed 1009 loan application.      
218751893 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
218751893 OFAC was not provided and is required.   An OFAC search was not provided for the Borrower as required by guidelines.      
218751893 Income Docs Missing: - The loan file is missing the award letter to document the Borrower's social security income as required by guidelines.      
218751893 No evidence of fraud report in file          
218751921 Income Docs Missing: - Re-verification of employment must be completed within 10 Days prior to
mortgage disbursement.		      
218751950 Missing Document: Desk Review not provided          
218760283 1003 Error: # of years at current address was not provided -        
218760286 Missing Document: Appraisal not provided   Missing Second Appraisal or waiver of Second Appraisal.      
218822090 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Exception is firing due to missing appraisal      
218822090 Missing Document: Appraisal not provided          
218822120 Missing Document: Hazard Insurance Policy not provided          
218822120 Missing/Incomplete Condo HOA History          
218835218 REO Documents are missing. - Missing Hazard Insurance verification for REO property.      
218838751 OFAC was not provided and is required.   An OFAC search was not provided for both Borrowers as required by guidelines.      
218838751 The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   The title insurance coverage is insufficient as required amount is $[redacted] and there is not an amount listed on the preliminary title in file. Title supplemental report not found in file.      
218838751 Credit Exception:   The loan file is missing the final closing statement from the sale of the Borrowers' prior property to reflect the amount of proceeds that were used for the subject closing/income and the payoff of their current mortgage account.      
218910931 Security Instrument Error: Invalid MERS Min Number          
218910931 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   Appraisal is missing      
218910931 Missing Document: Appraisal not provided          
218940579 Credit Exception:   Please provide documentation on on the additional payment of $[redacted] for REO per FA.  The other REO mortgage payment listed on FA worksheet is $[redacted] and the verified PITI payment for same property on mortgage statement is $[redacted] which is a $[redacted]/month difference.      
218948851 Missing Document: FNMA 1009 - Application not provided   The final loan application is missing from the loan file.      
218948851 Missing Document: Name Affidavit not provided          
218948851 Missing Final HUD-1   Missing the final HUD-1 to verify funds required for closing. Upon receipt and review of additional documentation additional exceptions may apply.      
218948851 Assets Error: Accounts are missing   The most recent account statement for account ending [redacted] to reflect the deposit of proceeds from the sale of property [redacted] is not in the loan file. These funds are being used for cash to close and asset dissipation. Upon receipt and review of additional documentation additional exceptions may apply.      
218948856 REO Documents are missing. - ___ Tax verification is not provided for other REO      
218952317 Missing Document: Security Instrument - Subject Lien not provided          
218952319 OFAC was not provided and is required.   An OFAC search was not provided for the Borrower as required by guidelines.      
218952340 Missing Document: Appraisal not provided          
218952340 FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   FEMA disaster exceptions: "Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property      
218961799 Missing/Incomplete Condo HOA History   Missing month HOA payment history on subject property      
218961802 OFAC was not provided and is required.   The OFAC searches in file do not have the Borrowers' names as the search engine but social security numbers.      
218961804 Missing Document: FNMA 1009 - Application - Initial not provided          
218961804 Missing Document: Credit Report not provided          
218961804 OFAC was not provided and is required.   An OFAC search was not provided for the Borrower as required by guidelines.      
218961804 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
218961804 Missing Document: Social Security Card not provided   The loan file does not provide documentation to verify the Borrower's social security number.      
218961804 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided   The financial assessment in file does not document all property charges.      
218961804 Insufficient Coverage: Hazard insurance coverage amount is insufficient.   The loan file does not contain a copy of the master insurance policy as the subject property is a condo.      
218964679 Missing Document: Schedule of Closing Costs not provided          
218964682 Missing Document: FNMA 1009 - Application - Initial not provided          
218964682 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Per FA only income being used in the IRA and Rental both confirmed with [redacted] and [redacted] taxes returns and income is short the required residual income of $[redacted]      
218967321 1003 Error: # of years at current address was not provided - Years of residence was not completed      
218985260 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   Lender calculated rental income incorrectly.  All the figures match the lenders income worksheet but the annual PITI of rental property was not deducted.  Our calculations show -$[redacted]   24 month average loss.  Lender used $[redacte[redacted]   24 month average income.      
218985261 Missing Document: Appraisal not provided   Missing primary appraisal with effective date of [redacted] and appraised value of $[redacted].      
218985276 OFAC was not provided and is required. -        
218988540 Income Docs Missing: -        
218988548 Missing/Incomplete Condo HOA History   Missing 24 month HOA payment history of subject property.      
218990044 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 FEMA disaster exceptions: "Appraisal completed prior to disaster declaration.  Will need a post disaster property inspection report showing no damage to the subject property Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
218990045 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Property inspection report in file date [redacted] reflecting no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
219017791 Missing Document: Credit Report not provided          
219017791 Missing Document: Appraisal not provided   Missing primary appraisal with an effective date of [redacted] and appraised value $[redacted].      
219017791 Missing/Incomplete Property Tax History          
219017791 Credit Exception:   Missing evidence of birth date for non-borrowing spouse [redacted].      
219030584 Missing Document: Field Review not provided   Appraisal is more then 10% higher then CDA      
219030584 Fully Funded Life Expectancy Set-aside is required for borrowers where the Residual income requirement was not met.   FA worksheet states appraisal square feet is [redacted] and appraisal states it is [redacted] which is causing residual income shortfall of -$[redacted].      
219030687 Missing Document: Financial Assessment / Financial Analysis Worksheet not provided          
219030690 The Reverse Mortgage Counseling Certificate Disclosure was not provided. -        
219030691 Income Docs Missing: - Missing VVOE completed within 10 days of disbursement date.      
219030695 Value variance greater than 10% between origination appraisal and subsequent product          
219030695 Credit Exception:   Appraisal completed subject to for carbon monoxide detectors and 442 completion report not in file.      
219035064 Credit Exception:   Missing trust agreement      
219100823 Credit Exception:   Residual income shortfall exception due to FA worksheet was already short and we are even shorter due to verified taxes of $[redacted] per year.      
219100834 The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.          
219100835 FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 Appraisal completed prior to disaster declaration.  Will need post disaster property inspection report showing no damage to the subject property. Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [redacted] SitusAMC
219100849 OFAC was not provided and is required.   An OFAC search was not provided for both Borrowers as required by guidelines.      
219105564 Credit Exception:   Applications do not state years of residence at present address      

 

SitusAMC Loan ID Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating
217868243 Reviewer Comment (2022-06-02): HOA verification provided.


Buyer Comment (2022-06-02): HOA verification
 06/02/2022     1 C A C A C A C
217868243 Reviewer Comment (2022-07-11): Corrected amount of monthly taxes for REO at [redacted] which cleared residual income shortage


Buyer Comment (2022-07-09): HOA Response
 07/11/2022     1   A   A   A  
217973582 Reviewer Comment (2022-06-14): Hazard policy provided valid until [redacted].


Buyer Comment (2022-06-14): Please see attached policy, expiring [redacted] so is good 60 days past note date
 06/14/2022     1 C A C A C A C
217973582 Reviewer Comment (2022-08-05): Renewal policy provided


Buyer Comment (2022-08-05): renewal
 08/05/2022     1   A   A   A  
217976953 Reviewer Comment (2022-06-03): Initial 1009 application provided


Buyer Comment (2022-06-03): 1009
 06/03/2022     1 C A C A C A C
217976953 Reviewer Comment (2022-06-03): Payoffs provided evidencing no late fees


Buyer Comment (2022-06-03): payoff
 06/03/2022     1 C A C A C A C
217982212 Reviewer Comment (2022-06-07): FA worksheet provided


Buyer Comment (2022-06-07): FAWS
 06/07/2022     1 C A C A C A C
218007197 Reviewer Comment (2022-06-14): Final 1009 application provided


Buyer Comment (2022-06-14): 1009
 06/14/2022     1 C A C A C A C
218007209 Reviewer Comment (2022-06-14): Secondary appraisal provided


Buyer Comment (2022-06-14): missing appraisal
 06/14/2022     1 D A D A D A D
218011554 Reviewer Comment (2022-06-14): Award letter provided


Buyer Comment (2022-06-14): income
 06/14/2022     1 C A C A C A C
218023551 Reviewer Comment (2022-07-08): Tax certificate provided


Buyer Comment (2022-07-08): tax


Buyer Comment (2022-07-08): taxes
 07/08/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Credit report provided


Buyer Comment (2022-06-29): credit report
 06/30/2022     1 D A D A D A D
218039955 Reviewer Comment (2022-06-30): Flood certificate provided


Buyer Comment (2022-06-29): flood cert
 06/30/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Initial 1009 application provided


Buyer Comment (2022-06-29): 1009
 06/30/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Driver license provided


Buyer Comment (2022-06-29): IDs
 06/30/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Award letter and SSA-1099 provided.


Buyer Comment (2022-06-29): Income
 06/30/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Driver license provided


Buyer Comment (2022-06-29): Uploaded as trailing doc
 06/30/2022     1 C A C A C A C
218039955 Reviewer Comment (2022-06-30): Counseling certificate provided


Buyer Comment (2022-06-29): counseling cert
 06/30/2022     1 C A C A C A C
218040027 Reviewer Comment (2022-06-30): Schedule of Closing Costs provided


Buyer Comment (2022-06-30): Exhibit 1
 06/30/2022     1 C A C A C A C
218055516 Reviewer Comment (2022-06-15): Previous hazard policy provided


Buyer Comment (2022-06-14): HOI
 06/15/2022     1 C A C A C A C
218055570 Reviewer Comment (2022-07-01): Backed out [redacted] tax that is being paid off at closing.


Buyer Comment (2022-07-01): UW response
 07/01/2022     1 C A C A C A C
218055570 Reviewer Comment (2022-07-01): Award letter provided


Buyer Comment (2022-07-01): UW response
 07/01/2022     1 C A C A C A C
218056887 Reviewer Comment (2022-07-01): Counseling certificate provided


Buyer Comment (2022-07-01): counseling
 07/01/2022     1 C A C A C A C
218056887 Reviewer Comment (2022-07-01): Dwelling coverage is the same greater than total estimated of cost new on appraisal


Buyer Comment (2022-07-01): From [redacted]: Cost new from appraisal is $[redacted]. Dweling covereage can be lesser of the 2
 07/01/2022     1 C A C A C A C
218056906 Reviewer Comment (2022-07-22): RCE provided


Buyer Comment (2022-07-21): RCE


Reviewer Comment (2022-07-12): Same policy provided and still insufficient hazard coverage.


Buyer Comment (2022-07-11): HOI
 07/22/2022     1 C A C A C A C
218070034 Reviewer Comment (2022-08-15): PUD rider provided


Buyer Comment (2022-08-15): PUD Rider
 08/15/2022     1 C A C A C A C
218070034 Reviewer Comment (2022-08-19): Lender made comment in Clarity stating they are waiving exception and provided comp factors that have been verified.


Buyer Comment (2022-08-18): See above


Buyer Comment (2022-08-18): Attached are the updated SE worksheets for the Rental, Sch C and the K1s/Partnership. The borrower is short on RI and I have attached compensating Factors to clear:
1- The borrower has owned the property for over 5 years.
2- The monthly debt is decreasing by over 20%.
3- The borrower’s mortgage payment is decreasing by over 20% down to 0.
4- The median credit scores are at least 40 points over the required minimum.
 08/19/2022     1 C A C A C A C
218070035 Reviewer Comment (2022-07-02): Initial appraisal effective date is the same as CDA desk review effective date


Buyer Comment (2022-07-02): Please see correct initial appraisal, appraiser revised the date when correcting the lender. Please let me know if anything additional is needed.
 07/02/2022     1 C A C A C A C
218074008 Reviewer Comment (2022-07-02): VVOE provided


Buyer Comment (2022-07-02): VOE
 07/02/2022     1 C A C A C A C
218074008 Reviewer Comment (2022-07-02): HOA verification provided


Buyer Comment (2022-07-02): Please see LOE regarding amount, borrower has not owned the property for a full 24 months so payment history was required for only as long as they owned the property
 07/02/2022     1 C A C A C A C
218097609 Reviewer Comment (2022-07-02): OFAC provided


Buyer Comment (2022-07-02): OFAC
 07/02/2022     1 C A C A C A C
218102407 Reviewer Comment (2022-07-02): OFAC provided


Buyer Comment (2022-07-02): OFAC
 07/02/2022     1 C A C A C A C
218102413 Reviewer Comment (2022-07-22): Renewal policy provided


Buyer Comment (2022-07-21): renewal
 07/22/2022     1 C A C A C A C
218102413 Reviewer Comment (2022-07-02): OFAC provided


Buyer Comment (2022-07-02): ofac
 07/02/2022     1 C A C A C A C
218102413 Reviewer Comment (2022-07-02): Award letter provided


Buyer Comment (2022-07-02): pension letter
 07/02/2022     1 C A C A C A C
218102413 Reviewer Comment (2022-07-02): Tax certificate provided


Buyer Comment (2022-07-02): [redacted] taxes


Buyer Comment (2022-07-02): taxes
 07/02/2022     1 C A C A C A C
218102416 Reviewer Comment (2022-07-02): Tax certificate provided


Buyer Comment (2022-07-02): tax payment history
 07/02/2022     1 C A C A C A C
218143421 Reviewer Comment (2022-07-07): Revised FA worksheet provided and most recent credit report debts used to qualify


Buyer Comment (2022-07-06): From the [redacted]: The [redacted], was actually the gap report which we wouldn't update the expenses off of unless a new account was opened. But I see a new credit was pulled after CTC ([redacted]). I updated the expenses based off that and corrected the system, it showed the [redacted] account on there twice. I removed one of those and income is correct
 07/07/2022     1 C A C A C A C
218143421 Reviewer Comment (2022-07-05): Lender LOX provided


Buyer Comment (2022-07-05): AMC approval
 07/05/2022     1 C A C A C A C
218143481 Reviewer Comment (2022-07-05): Security Instrument provided


Buyer Comment (2022-07-05): DOT
 07/05/2022     1 D A D A D A D
218143517 Reviewer Comment (2022-07-05): CDA desk review provided


Buyer Comment (2022-07-05): cda
 07/05/2022     1 C A C A C A C
218143517 Reviewer Comment (2022-07-05): Counseling certificate provided


Buyer Comment (2022-07-05): counseling
 07/05/2022     1 C A C A C A C
218251012 Reviewer Comment (2022-07-08): HOA verification provided


Buyer Comment (2022-07-07): hoa
 07/08/2022     1 C A C A C A C
218287182 Reviewer Comment (2022-07-12): Permanent resident alien card provided


Buyer Comment (2022-07-11): resident alien card
 07/12/2022     1 C A C A C A C
218287184 Reviewer Comment (2022-07-07): Renewal are not generated until 30-45 days from policy expiration date.


Buyer Comment (2022-07-07): See attached, renewal policy was unavailable at CTC/Closing
 07/07/2022     1 C A C A C A C
218287192 Reviewer Comment (2022-07-12): Additional supplemental taxes provided


Buyer Comment (2022-07-12): UW response


Buyer Comment (2022-07-12): supplemental taxes
 07/12/2022     1 C A C A C A C
218290703 Reviewer Comment (2022-07-12): Verification of appraisal waiver provided


Buyer Comment (2022-07-12): appraoval


Buyer Comment (2022-07-12): waived LOE
 07/12/2022     1 D A D A D A D
218290703 Reviewer Comment (2022-07-12): Awards letter provided


Buyer Comment (2022-07-12): bank statement


Buyer Comment (2022-07-12): SS income
 07/12/2022     1 C A C A C A C
218290713 Reviewer Comment (2022-07-12): HUD provided


Buyer Comment (2022-07-12): HUD
 07/12/2022     1 D A D A D A D
218293774 Reviewer Comment (2022-07-13): Primary appraisal provided


Buyer Comment (2022-07-13): appraisal
 07/13/2022     1 D A D A D A D
218293774 Reviewer Comment (2022-07-13): HOA verification provided


Buyer Comment (2022-07-13): payment history
 07/13/2022     1 C A C A C A C
218293774 Reviewer Comment (2022-07-14): Lender removed Pension income from FA worksheet and residual income still meets requirements


Buyer Comment (2022-07-13): faws


Reviewer Comment (2022-07-13): I need pension income awards letter or 1099 not social security income.


Buyer Comment (2022-07-13): awards letter
 07/14/2022     1 C A C A C A C
218296921 Reviewer Comment (2022-07-14): Awards letter provided


Buyer Comment (2022-07-14): pension
 07/14/2022     1 C A C A C A C
218298728 Reviewer Comment (2022-07-17): Note provided


Buyer Comment (2022-07-16): note
 07/17/2022     1 D A D A D A D
218298728 Reviewer Comment (2022-07-17): Security Instrument provided


Buyer Comment (2022-07-16): DOT
 07/17/2022     1 D A D A D A D
218298731 Reviewer Comment (2022-07-18): Revised FA worksheet provided increasing loan proceed asset depletion income to cover residual income shortfall.


Buyer Comment (2022-07-17): Final FAWS
 07/18/2022     1 C A C A C A C
218337671 Reviewer Comment (2022-07-18): Secondary appraisal provided


Buyer Comment (2022-07-17): 2nd appraisal
 07/18/2022     1 D A D A D A D
218337671 Reviewer Comment (2022-07-18): Driver license provided


Buyer Comment (2022-07-17): IDs
 07/18/2022     1 C A C A C A C
218337671 Reviewer Comment (2022-10-18): Post disaster inspection report, dated  shows no damage 10/5/22, but the disaster does not have an end date yet.


Buyer Comment (2022-10-18): inspection
     10/18/2022 2   B   B   B  
218337672 Reviewer Comment (2022-07-18): HUD provided


Buyer Comment (2022-07-17): HUD
 07/18/2022     1 D A D A D A D
218339076 Reviewer Comment (2022-07-20): FA worksheet provided


Buyer Comment (2022-07-19): FAWS
 07/20/2022     1 C A C A C A C
218339078 Reviewer Comment (2022-07-25): Resident alien card provided


Buyer Comment (2022-07-25): green card
 07/25/2022     1 C A C A C A C
218350810 Reviewer Comment (2022-07-25): Driver license provided


Buyer Comment (2022-07-23): IDs
 07/25/2022     1 C A C A C A C
218350810 Reviewer Comment (2022-07-25): Initial 1009 application provided


Buyer Comment (2022-07-23): 1009
 07/25/2022     1 C A C A C A C
218350810 Reviewer Comment (2022-07-25): Awards letter provided


Buyer Comment (2022-07-23): Income
 07/25/2022     1 C A C A C A C
218350810 Reviewer Comment (2022-07-25): Credit report provided


Buyer Comment (2022-07-23): credit report
 07/25/2022     1 D A D A D A D
218350811 Reviewer Comment (2022-08-04): VVOE and [redacted] W-2 provided


Buyer Comment (2022-08-04): paystub


Buyer Comment (2022-08-04): VOE


Reviewer Comment (2022-07-25): Still missing VVOE completed within 10 days of disbursement date


Buyer Comment (2022-07-23): income


Buyer Comment (2022-07-23): W2
 08/04/2022     1 C A C A C A C
218350811 Reviewer Comment (2022-07-25): Credit report provided


Buyer Comment (2022-07-23): credit
 07/25/2022     1 D A D A D A D
218354223 Reviewer Comment (2022-07-25): HUD provided


Buyer Comment (2022-07-23): HUD
 07/25/2022     1 D A D A D A D
218354223 Reviewer Comment (2022-07-25): VVOE provided


Buyer Comment (2022-07-23): voe
 07/25/2022     1 C A C A C A C
218354389 Reviewer Comment (2022-07-25): Corrected final 1009 application provided


Buyer Comment (2022-07-23): 1009
 07/25/2022     1 C A C A C A C
218355417 Reviewer Comment (2022-07-27): Hazard policy provided


Buyer Comment (2022-07-26): HOI
 07/27/2022     1 C A C A C A C
218355417 Reviewer Comment (2022-07-27): Tax certificate provided


Buyer Comment (2022-07-26): REO
 07/27/2022     1 C A C A C A C
218355417 Reviewer Comment (2022-08-02): RCE provided


Buyer Comment (2022-08-01): RCE
 08/02/2022     1   A   A   A  
218357095 Reviewer Comment (2022-07-27): HOA verification provided


Buyer Comment (2022-07-27): HOA dues
 07/27/2022     1 C A C A C A C
218357098 Reviewer Comment (2022-10-18): Post disaster inspection report, dated  shows no damage 10/5/22, but the disaster does not have an end date yet.


Buyer Comment (2022-10-18): inspection
     10/18/2022 2   B   B   B  
218364906 Reviewer Comment (2022-08-02): Paystub verified is sufficient to verify pension income


Buyer Comment (2022-08-02): income
 08/02/2022     1 C A C A C A C
218364906 Reviewer Comment (2022-08-02): Release of lien provided


Buyer Comment (2022-08-02): release
 08/02/2022     1 C A C A C A C
218367326 Reviewer Comment (2022-07-31): Final 1009 application provided


Buyer Comment (2022-07-30): 1009
 07/31/2022     1 C A C A C A C
218373291 Reviewer Comment (2022-08-05): HOA verification provided


Buyer Comment (2022-08-05): hostory
 08/05/2022     1 C A C A C A C
218373295 Reviewer Comment (2022-08-02): Primary appraisal provided


Buyer Comment (2022-08-01): appraisal
 08/02/2022     1 D A D A D A D
218374964 Reviewer Comment (2022-08-06): Verification of lot rent provided


Buyer Comment (2022-08-05): additional document


Buyer Comment (2022-08-05): sorry about that, see additional details


Reviewer Comment (2022-08-05): Bank statements provided to clear stip do not provided any evidence  of MFH payment for land rent and what property address it is attached to.


Buyer Comment (2022-08-04): additional documents


Buyer Comment (2022-08-04): The [redacted] Payment is for a [redacted] they pay land rent on
 08/06/2022     1 C A C A C A C
218376128 Reviewer Comment (2022-08-03): Verified dwelling coverage plus extended replacement coverage is greater than appraised value minus site value per appraisal


Buyer Comment (2022-08-03): hoi


Buyer Comment (2022-08-03): From the [redacted]: Page 6 shows extended replacement coverage of 125%

[redacted] x 125% = $[redacted]  - required amount was $[redacted]
 08/03/2022     1 C A C A C A C
218376131 Reviewer Comment (2022-08-03): Property is being re-built from ground up and credit line does not required property to have insurance.


Buyer Comment (2022-08-03): loe
 08/03/2022     1 C A C A C A C
218376131 Reviewer Comment (2022-08-04): Revised FA worksheet provided with additional pension income to cover shortfall


Buyer Comment (2022-08-03): FAWS
 08/04/2022     1 C A C A C A C
218381053 Reviewer Comment (2022-08-05): Appraisal provided


Buyer Comment (2022-08-04): appraisal
 08/05/2022     1 D A D A D A D
218381053 Reviewer Comment (2022-08-05): Appraisal provided


Buyer Comment (2022-08-04): appraisal uploaded as trailing doc
 08/05/2022     1 D A D A D A D
218381053 Reviewer Comment (2022-08-05): Appraisal provided


Buyer Comment (2022-08-04): appraisal uploaded as trailing doc
 08/05/2022     1 C A C A C A C
218385658 Reviewer Comment (2022-08-05): Secondary appraisal provided


Buyer Comment (2022-08-05): 2nd appraisal
 08/05/2022     1 D A D A D A D
218385665 Reviewer Comment (2022-08-08): Borrower choose to continue with lower appraised value supported by CDA desk review.


Buyer Comment (2022-08-08): approval
 08/08/2022     1 C A C A C A C
218385666 Reviewer Comment (2022-08-08): Final 1009 application provided


Buyer Comment (2022-08-08): 1009
 08/08/2022     1 C A C A C A C
218385669 Reviewer Comment (2022-08-08): FA worksheet provided


Buyer Comment (2022-08-08): FAWS
 08/08/2022     1 C A C A C A C
218385669 Reviewer Comment (2022-08-08): Appraisal provided


Buyer Comment (2022-08-08): appraisal
 08/08/2022     1 D A D A D A D
218385669 Reviewer Comment (2022-08-08): FA worksheet provided


Buyer Comment (2022-08-08): missing FAWS uploaded
 08/08/2022     1 C A C A C A C
218385669 Reviewer Comment (2022-08-08): Appraisal provided


Buyer Comment (2022-08-08): missing appraisal uploaded
 08/08/2022     1 C A C A C A C
218387261 Reviewer Comment (2022-08-08): Secondary appraisal provided


Buyer Comment (2022-08-08): appraisal 2
 08/08/2022     1 D A D A D A D
218387261 Reviewer Comment (2022-08-08): Revised final 1009 application provided


Buyer Comment (2022-08-08): 1009
 08/08/2022     1 C A C A C A C
218387264 Reviewer Comment (2022-08-09): Final 1009 application provided


Buyer Comment (2022-08-09): final 1009
 08/09/2022     1 B A B A B A B
218387264 Reviewer Comment (2022-08-09): Final 1009 application provided


Buyer Comment (2022-08-09): 1009 uploaded
 08/09/2022     1 B A B A B A B
218387343 Reviewer Comment (2022-08-04): Replacement cost coverage provided in the state of [redacted]
 08/04/2022     1 C A C A C A C
218387343 Reviewer Comment (2022-10-18): Post disaster inspection report, dated  shows no damage 10/4/22, but the disaster does not have an end date yet.


Buyer Comment (2022-10-18): inspection
     10/18/2022 2   B   B   B  
218398982 Reviewer Comment (2022-08-14): FA worksheet provided


Buyer Comment (2022-08-14): signed faws
 08/14/2022     1 C A C A C A C
218398982 Reviewer Comment (2022-08-14): HOA verification provided


Buyer Comment (2022-08-14): hoa


Buyer Comment (2022-08-14): loe


Buyer Comment (2022-08-14): From the [redacted]: This is a purchase loan and I have attached the [redacted] HOA information for the subject property.   The borrower sold the departing residence and moved in with her son [redacted] and lived there rent free (LOE attached).  The borrower did not have an HOA on her prior residence (LOE attached).
 08/14/2022     1 C A C A C A C
218398988 Reviewer Comment (2022-08-10): Field review provided


Buyer Comment (2022-08-10): [redacted] approval
 08/10/2022     1 A A A A A A A
218402499 Reviewer Comment (2022-08-09): CDA desk review provided


Buyer Comment (2022-08-09): cda
 08/09/2022     1 C A C A C A C
218404609 Reviewer Comment (2022-08-11): Appraisal provided


Buyer Comment (2022-08-11): missing appraisal uploaded
 08/11/2022     1 C A C A C A C
218404609 Reviewer Comment (2022-08-11): Appraisal provided


Buyer Comment (2022-08-11): appraisal
 08/11/2022     1 D A D A D A D
218404613 Reviewer Comment (2022-08-11): FA worksheet provided


Buyer Comment (2022-08-11): FAWS
 08/11/2022     1 C A C A C A C
218404613 Reviewer Comment (2022-08-11): Final 1009 application provided


Buyer Comment (2022-08-11): 1009
 08/11/2022     1 B A B A B A B
218404613 Reviewer Comment (2022-08-11): FA worksheet provided


Buyer Comment (2022-08-11): Missing FAWS provided as trailing doc
 08/11/2022     1 C A C A C A C
218404639 Reviewer Comment (2022-08-11): HOA verification provided


Buyer Comment (2022-08-11): payment history
 08/11/2022     1 C A C A C A C
218406332 Reviewer Comment (2022-08-12): FA worksheet provided


Buyer Comment (2022-08-12): FAWS
 08/12/2022     1 C A C A C A C
218406340 Reviewer Comment (2022-08-12): LOX verifying borrower waived second appraisal


Buyer Comment (2022-08-12): approval comment


Buyer Comment (2022-08-12): loe
 08/12/2022     1 D A D A D A D
218406347 Reviewer Comment (2022-08-12): Legible awards letter provided


Buyer Comment (2022-08-12): income
 08/12/2022     1 C A C A C A C
218406364 Reviewer Comment (2022-08-15): Counseling certificate provided


Buyer Comment (2022-08-15): counseling cert
 08/15/2022     1 C A C A C A C
218406365 Reviewer Comment (2022-08-15): Appraisal provided


Buyer Comment (2022-08-15): appraisal
 08/15/2022     1 D A D A D A D
218406365 Reviewer Comment (2022-08-15): Appraisal provided


Buyer Comment (2022-08-15): missing appraisal uploaded
 08/15/2022     1 C A C A C A C
218407475 Reviewer Comment (2022-08-12): HOA verification provided


Buyer Comment (2022-08-12): hoa history
 08/12/2022     1 C A C A C A C
218407476 Reviewer Comment (2022-08-12): Secondary appraisal provided


Buyer Comment (2022-08-12): appraisal 1


Buyer Comment (2022-08-12): 2nd appraisal
 08/12/2022     1 D A D A D A D
218407481 Reviewer Comment (2022-08-15): Only social security income , asset depletion income and loan proceed asset depletion income used to qualify.  Law frim pays taxes and insurance payment for property located at [redacted].  Positive 1120 Corp income plus salary income is positive and not used to qualify.


Buyer Comment (2022-08-15): From the Underwriting Manager: the only income used to qualify was the SS and the assets.  No rental income.  Any rental income calc document should be disgarded.
 08/15/2022     1 C A C A C A C
218407481 Reviewer Comment (2022-08-15): LOX provided verifying CDA value of $2,800,00 and ok to proceed at lower value.


Buyer Comment (2022-08-15): approval
 08/15/2022     1 C A C A C A C
218407482 Reviewer Comment (2022-08-15): Not required per guidelines
 08/15/2022     1 C A C A C A C
218412733 Reviewer Comment (2022-08-18): Mortgage statement and payoff provided


Buyer Comment (2022-08-18): payoff


Buyer Comment (2022-08-18): mtg statement
 08/18/2022     1 C A C A C A C
218412736 Reviewer Comment (2022-08-18): Flood policy provided


Buyer Comment (2022-08-18): flood
 08/18/2022     1 C A C A C A C
218412736 Reviewer Comment (2022-10-11): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/11/2022 2   B   B   B  
218412737 Reviewer Comment (2022-08-22): Paystub at time of closing provided.


Buyer Comment (2022-08-22): paystub


Buyer Comment (2022-08-22): My apologies, paystubs were used to verify


Reviewer Comment (2022-08-18): Additional WVOE provided is for previous employer.  I need VVOE for current employer completed within 10 days of disbursement date.  The WVOE in file for current employer is dated [redacted] which is greater than 30 days from disbursement date.


Buyer Comment (2022-08-18): voe
 08/22/2022     1 C A C A C A C
218412738 Reviewer Comment (2022-08-18): Note provided


Buyer Comment (2022-08-18): loan agreement
 08/18/2022     1 D A D A D A D
218412738 Reviewer Comment (2022-08-18): Loan agreement provided


Buyer Comment (2022-08-18): loan agreement
 08/18/2022     1 C A C A C A C
218412740 Reviewer Comment (2022-08-18): Final loan agreement provided


Buyer Comment (2022-08-18): loan agreement
 08/18/2022     1 C A C A C A C
218412740 Reviewer Comment (2022-08-18): Final 1009 application provided


Buyer Comment (2022-08-18): 1009
 08/18/2022     1 C A C A C A C
218412740 Reviewer Comment (2022-08-18): Note provided


Buyer Comment (2022-08-18): Note
 08/18/2022     1 D A D A D A D
218412740 Reviewer Comment (2022-08-18): Security Instrument provided


Buyer Comment (2022-08-18): DOT
 08/18/2022     1 D A D A D A D
218412740 Reviewer Comment (2022-08-18): Security Instrument provided


Buyer Comment (2022-08-18): Security Instrument uploaded as trailing doc
 08/18/2022     1 C A C A C A C
218412740 Reviewer Comment (2022-08-18): Current hazard policy provided


Buyer Comment (2022-08-18): HOI
 08/18/2022     1 C A C A C A C
218412741 Reviewer Comment (2022-08-18): FA worksheet provided


Buyer Comment (2022-08-18): faws
 08/18/2022     1 C A C A C A C
218412742 Reviewer Comment (2022-08-23): NHUD provided


Buyer Comment (2022-08-23): Final HUD


Reviewer Comment (2022-08-19): HUD provided is estimated.


Buyer Comment (2022-08-19): hud
 08/23/2022     1 D A D A D A D
218412742 Reviewer Comment (2022-08-23): Guaranteed replacement coverage verified per lender LOX


Buyer Comment (2022-08-23): Sorry about that, see attached e-mail confirmation. Per the [redacted]: The email states its uncapped meaning there is no limit on the replacement which is sufficient. Just let me know if additional information is needed


Reviewer Comment (2022-08-19): RCE provided is for incorrect borrower and address.  Dwelling coverage plus extended replacement coverage is less than appraised value minus site value per appraisal.


Buyer Comment (2022-08-19): HOI
 08/23/2022     1 C A C A C A C
218428114 Reviewer Comment (2022-08-22): FA worksheet provided


Buyer Comment (2022-08-22): FAWS
 08/22/2022     1 C A C A C A C
218428116 Reviewer Comment (2022-08-22): Appraisal provided
 08/22/2022     1 C A C A C A C
218428116 Reviewer Comment (2022-08-22): Appraisal provided


Buyer Comment (2022-08-22): Missing appraisal uploaded
 08/22/2022     1 C A C A C A C
218428116 Reviewer Comment (2022-08-22): Appraisal provided


Buyer Comment (2022-08-22): Missing appraisal uploaded


Buyer Comment (2022-08-22): appraisal
 08/22/2022     1 D A D A D A D
218428116 Reviewer Comment (2022-08-22): Appraisal provided


Buyer Comment (2022-08-22): Missing appraisal uploaded
 08/22/2022     1 D A D A D A D
218428118 Reviewer Comment (2022-08-23): Credit report provided


Buyer Comment (2022-08-22): credit
 08/23/2022     1 D A D A D A D
218428118 Reviewer Comment (2022-08-23): Initial 1009 application provided


Buyer Comment (2022-08-22): 1009
 08/23/2022     1 C A C A C A C
218428118 Reviewer Comment (2022-08-23): Awards letter provided


Buyer Comment (2022-08-22): income


Buyer Comment (2022-08-22): ss income
 08/23/2022     1 C A C A C A C
218428118 Reviewer Comment (2022-08-23): Credit report provided


Buyer Comment (2022-08-22): payoff
 08/23/2022     1 C A C A C A C
218428118 Reviewer Comment (2022-08-23): Driver license provided


Buyer Comment (2022-08-22): id
 08/23/2022     1 C A C A C A C
218444591 Reviewer Comment (2022-08-28): Dwelling coverage plus extended replacement coverage is greater than Total Estimate of Cost New per appraisal report


Buyer Comment (2022-08-27): hoi


Buyer Comment (2022-08-27): UW response on coverage
 08/28/2022     1 C A C A C A C
218444593 Reviewer Comment (2022-10-11): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/11/2022 2   B   B   B  
218444594 Reviewer Comment (2022-08-23): Reverse mortgage comparison provided


Buyer Comment (2022-08-23): comparison
 08/23/2022     1 C A C A C A C
218444594 Reviewer Comment (2022-08-23): Per appraisal not a PUD


Buyer Comment (2022-08-23): [redacted] confirmed property is not in a PUD, see attached
 08/23/2022     1 C A C A C A C
218444696 Reviewer Comment (2022-08-26): Bank statement provided


Buyer Comment (2022-08-26): [redacted] asset


Reviewer Comment (2022-08-24): All my figures match the FA worksheet except I am missing the [redacted] bank account with a balance of $[redacted and I did not use this account to determine asset depletion income and is the reason why I am short residual income.  If you have the uw provide me the [redacted] bank statement with a balance of $[redacted] it will provide sufficient residual income to meet requirements.


Buyer Comment (2022-08-24): Would it be possible to provide a breakdown of your calculations? Here is our Underwriter's response: This is the final signed FA worksheet, which shows, 1. They pass RI 2. [redacted] is included already 3. They Family size is [redacted] with a RI of [redacted].
 08/26/2022     1 C A C A C A C
218444696 Reviewer Comment (2022-10-11): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/11/2022 2   B   B   B  
218449731 Reviewer Comment (2022-10-11): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/11/2022 2   B   B   B  
218450054 Reviewer Comment (2022-08-25): Years at address provided


Buyer Comment (2022-08-25): 1009
 08/25/2022     1 B A B A B A B
218453113 Reviewer Comment (2022-08-26): HUD provided


Buyer Comment (2022-08-25): hud
 08/26/2022     1 D A D A D A D
218453113 Reviewer Comment (2022-08-26): VVOE provided


Buyer Comment (2022-08-25): voe
 08/26/2022     1 C A C A C A C
218453113 Reviewer Comment (2022-10-18): Client has waive exception based on four compensating factor which all have been verified.  Security Instrument is in the process of being re0signed by the borrowers and re-recorded per client comments.


Buyer Comment (2022-10-18): The 1-4 Family Rider was inadvertently omitted from the closing package. The state of [r[redacted] requires the original recorded mortgage to re-record with the rider. Our warehouse bank is in possession of the recorded mortgage and we have requested it to be returned to us immediately. Title is poised to send the corrected recorded mortgage along with the rider to their notary in order to meet with the borrower to sign and then title will re-record. I have attached the recording requirements for [redacted] and the rider to be signed. Below is a summary of the [redacted] requirements from our VP of Operations over post-closing.

In order to Re-record, we must submit the originally recorded instrument
Borrowers must re-sign on the original DOT
Borrower must be re-acknowledged at the time of re-signing
Submit originally recorded instrument stating reason for re-recording

We have also included comp factors to support this finding approval:
1- Borrower has worked in the same position for more than 5 years.
2- Mid credit scores well in excess of the program minimum.
3- Monthly mortgage payment decreasing by over 20% to 0.
4- Total monthly debt decreasing by over 20% with reverse mortgage.


Buyer Comment (2022-10-18): county


Buyer Comment (2022-10-18): Rider
 10/18/2022     1 C A C A C A C
218453114 Reviewer Comment (2022-08-25): Hazard policy provided


Buyer Comment (2022-08-25): renewal


Buyer Comment (2022-08-25): hoi
 08/25/2022     1 C A C A C A C
218453121 Reviewer Comment (2022-08-25): HOA verification provided


Buyer Comment (2022-08-25): HOA
 08/25/2022     1 C A C A C A C
218453121 Reviewer Comment (2022-10-11): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/11/2022 2   B   B   B  
218453122 Reviewer Comment (2022-09-01): HOA verification provided


Buyer Comment (2022-09-01): HOA history
 09/01/2022     1 C A C A C A C
218453122 Reviewer Comment (2022-09-01): Revised FA worksheet provided removing loan proceed asset depletion income and adding pension income to cover residual income shortfall


Buyer Comment (2022-09-01): FAWS


Buyer Comment (2022-09-01): pension
 09/01/2022     1 C A C A C A C
218459901 Reviewer Comment (2022-08-27): Note provided


Buyer Comment (2022-08-26): Note
 08/27/2022     1 D A D A D A D
218459901 Reviewer Comment (2022-08-27): Loan agreement provided


Buyer Comment (2022-08-26): loan agreement
 08/27/2022     1 C A C A C A C
218459901 Reviewer Comment (2022-08-27): Schedule of closing cost provided


Buyer Comment (2022-08-26): exhibit
 08/27/2022     1 C A C A C A C
218459901 Reviewer Comment (2022-08-27): CDA desk review provided


Buyer Comment (2022-08-26): cda
 08/27/2022     1 C A C A C A C
218459901 Reviewer Comment (2022-08-27): Tax certificate provided


Buyer Comment (2022-08-26): reo
 08/27/2022     1 C A C A C A C
218459904 Reviewer Comment (2022-08-27): Awards letter provided


Buyer Comment (2022-08-26): ssincome
 08/27/2022     1 C A C A C A C
218459904 Reviewer Comment (2022-10-12): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/12/2022 2   B   B   B  
218459915 Reviewer Comment (2022-08-29): Revised FA worksheet provided with increased loan proceed asset depletion income to cover residual income shortfall


Buyer Comment (2022-08-29): FAWS
 08/29/2022     1 C A C A C A C
218481866 Reviewer Comment (2022-08-30): Final 1009 application provided


Buyer Comment (2022-08-30): 1009
 08/30/2022     1 C A C A C A C
218508462 Reviewer Comment (2022-08-31): FA worksheet provided


Buyer Comment (2022-08-31): FAWS
 08/31/2022     1 C A C A C A C
218508463 Reviewer Comment (2022-08-31): 1009 application provided


Buyer Comment (2022-08-31): 1009
 08/31/2022     1 B A B A B A B
218514155 Reviewer Comment (2022-08-31): Verified dwelling coverage plus extended replacement coverage is greater than appraised value minus site value per appraisal.


Buyer Comment (2022-08-31): appraisal provided as trailing doc
 08/31/2022     1 C A C A C A C
218514155 Reviewer Comment (2022-08-31): Appraisal provided


Buyer Comment (2022-08-31): appraisal
 08/31/2022     1 D A D A D A D
218532304 Reviewer Comment (2022-10-12): Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-11): inspection
     10/12/2022 2   B   B   B  
218532313 Reviewer Comment (2022-09-07): cda received, D0283


Buyer Comment (2022-09-06): cda
 09/07/2022     1 C A C A C A C
218702086 Reviewer Comment (2022-09-14): FA worksheet provided


Buyer Comment (2022-09-14): FAWS
 09/14/2022     1 C A C A C A C
218714581 Reviewer Comment (2022-09-14): Co-borrower credit report provided


Buyer Comment (2022-09-14): credit report
 09/14/2022     1 D A D A D A D
218723663 Reviewer Comment (2022-09-17): Initial 1009 application addendum provided


Buyer Comment (2022-09-16): 1009
 09/17/2022     1 C A C A C A C
218723663 Reviewer Comment (2022-09-17): Awards letter provided


Buyer Comment (2022-09-16): SS deposits


Buyer Comment (2022-09-16): income
 09/17/2022     1 C A C A C A C
218723694 Reviewer Comment (2022-09-19): CDA desk review provided


Buyer Comment (2022-09-19): cda
 09/19/2022     1 C A C A C A C
218731962 Reviewer Comment (2022-10-03): FA worksheet provided


Buyer Comment (2022-10-03): FAWS
 10/03/2022     1 C A C A C A C
218735054 Reviewer Comment (2022-09-23): Lender explanation and approval provided


Buyer Comment (2022-09-23): approval e-mail


Buyer Comment (2022-09-23): Any deviation from the guidelines, including ineligible property type, is escalated to our risk committee for review and approval after our chief appraiser's review. If the risk committee approves and allows the deviation, we can move forward on a case-by-case basis. Please review our escalation process below from the guidelines. This was approved by the risk committee.

Overview
Any HomeSafe(r) diversion from existing guidelines must be submitted for manager approval.
Underwriting
Send underwriting management approval requests to the Underwriting HomeSafe(r) Exceptions team at HSExceptions@far.com.
Important: If the management approval request involves appraisal questions or issues, the team forwards the request to FAR's Staff Appraiser prior to submission for final approval. Staff Appraiser's feedback is included in the recommendation and approval request provided to the manager.
 09/23/2022     1 C A C A C A C
218746038 Reviewer Comment (2022-09-23): Final 1009 application provided


Buyer Comment (2022-09-23): 1009
 09/23/2022     1 C A C A C A C
218751893 Reviewer Comment (2022-09-25): FA worksheet provided


Buyer Comment (2022-09-24): FAWS
 09/25/2022     1 C A C A C A C
218751893 Reviewer Comment (2022-09-25): OFAC proivided


Buyer Comment (2022-09-24): OFAC
 09/25/2022     1 C A C A C A C
218751893 Reviewer Comment (2022-09-28): Awards letter provided


Buyer Comment (2022-09-27): awards letter
 09/28/2022     1 C A C A C A C
218751893 Reviewer Comment (2022-09-25): Fraud report provided


Buyer Comment (2022-09-24): fraud report
 09/25/2022     1 C A C A C A C
218751921 Reviewer Comment (2022-09-30): VVOE provided


Buyer Comment (2022-09-30): VOE
 09/30/2022     1 C A C A C A C
218751950 Reviewer Comment (2022-09-27): CDA desk review provided


Buyer Comment (2022-09-26): cda
 09/27/2022     1 C A C A C A C
218760283 Reviewer Comment (2022-09-27): Revised final 1009 application provided


Buyer Comment (2022-09-26): 1009
 09/27/2022     1 B A B A B A B
218760286 Reviewer Comment (2022-09-27): Secondary appraisal provided


Buyer Comment (2022-09-26): 2nd appraisal
 09/27/2022     1 D A D A D A D
218822090 Reviewer Comment (2022-10-09): Appraisal provided


Buyer Comment (2022-10-07): appraisal uploaded as trailing doc
 10/09/2022     1 C A C A C A C
218822090 Reviewer Comment (2022-10-09): Appraisal provided


Buyer Comment (2022-10-07): appraisal
 10/09/2022     1 D A D A D A D
218822120 Reviewer Comment (2022-10-11): Most recent hazard policy provided


Buyer Comment (2022-10-10): RCE


Buyer Comment (2022-10-10): HOI
 10/11/2022     1 C A C A C A C
218822120 Reviewer Comment (2022-10-11): HOA verification provided


Buyer Comment (2022-10-10): HOA history
 10/11/2022     1 C A C A C A C
218835218 Reviewer Comment (2022-10-12): Hazard policy provided


Buyer Comment (2022-10-12): REO
 10/12/2022     1 C A C A C A C
218838751 Reviewer Comment (2022-10-13): OFAC provided


Buyer Comment (2022-10-13): ofac
 10/13/2022     1 C A C A C A C
218838751 Reviewer Comment (2022-10-13): Verified max claim amount on reverse mortgage comparison disclosure


Buyer Comment (2022-10-13): Please see attached comparison confirming the purchase price of [redacted is the max claim amount which is required coverage
 10/13/2022     1 B A B A B A B
218838751 Reviewer Comment (2022-10-13): Closing statement provided


Buyer Comment (2022-10-13): statement
 10/13/2022     1 C A C A C A C
218910931 Reviewer Comment (2022-10-24): Corrected last digit on MIN number to 6 per Mortgagee's Affidavit Designating Mortgage Identification Number (MIN)


Buyer Comment (2022-10-24): MIN Affidavit
 10/24/2022     1 C A C A C A C
218910931 Reviewer Comment (2022-10-21): Appraisal provided


Buyer Comment (2022-10-20): appraisal uploaded
 10/21/2022     1 C A C A C A C
218910931 Reviewer Comment (2022-10-21): Appraisal provided


Buyer Comment (2022-10-20): appraisal
 10/21/2022     1 D A D A D A D
218940579 Reviewer Comment (2022-10-18): Verified HOA fee


Buyer Comment (2022-10-18): Per the [redacted], it is the HOA
 10/18/2022     1 C A C A C A C
218948851 Reviewer Comment (2022-10-25): Final 1009 application provided


Buyer Comment (2022-10-25): 1009
 10/25/2022     1 C A C A C A C
218948851 Reviewer Comment (2022-10-25): Name affidavit provided


Buyer Comment (2022-10-25): name affidavit
 10/25/2022     1 C A C A C A C
218948851 Reviewer Comment (2022-10-25): HUD provided


Buyer Comment (2022-10-25): HUD
 10/25/2022     1 D A D A D A D
218948851 Reviewer Comment (2022-10-25): Verification of funds provided


Buyer Comment (2022-10-25): statement
 10/25/2022     1 C A C A C A C
218948856 Reviewer Comment (2022-10-25): Tax certificate provided


Buyer Comment (2022-10-25): taxes


Buyer Comment (2022-10-25): See attached docs that show the taxes for [redacted]. The parcel # is [redacted].


Buyer Comment (2022-10-25): HOI history
 10/25/2022     1 C A C A C A C
218952317 Reviewer Comment (2022-10-25): Security Instrument provided


Buyer Comment (2022-10-25): deed of trust
 10/25/2022     1 D A D A D A D
218952319 Reviewer Comment (2022-10-25): OFAC provided


Buyer Comment (2022-10-25): OFAC
 10/25/2022     1 C A C A C A C
218952340 Reviewer Comment (2022-10-27): Appraisal provided


Buyer Comment (2022-10-27): appraisal
 10/27/2022     1 D A D A D A D
218952340 Reviewer Comment (2022-10-27): Appraisal provided


Buyer Comment (2022-10-27): missing appraisal uploaded
 10/27/2022     1 C A C A C A C
218961799 Reviewer Comment (2022-10-27): HOA verification provided


Buyer Comment (2022-10-27): HOA history
 10/27/2022     1 C A C A C A C
218961802 Reviewer Comment (2022-10-27): clear OFAC received, D0409


Buyer Comment (2022-10-27): OFAC
 10/27/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-27): 1009 application received, D0151


Buyer Comment (2022-10-27): initial 1009
 10/27/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-28): Credit report provided


Buyer Comment (2022-10-27): credit report
 10/28/2022     1 D A D A D A D
218961804 Reviewer Comment (2022-10-27): clear OFAC received, D0149


Buyer Comment (2022-10-27): ofac
 10/27/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-27): counceling cert received, D0147


Buyer Comment (2022-10-27): counseling
 10/27/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-27): ID and social security card received, D0161


Buyer Comment (2022-10-27): ss card
 10/27/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-28): FA worksheet provided


Buyer Comment (2022-10-27): FAWS
 10/28/2022     1 C A C A C A C
218961804 Reviewer Comment (2022-10-27): letter from HOA shows association master policy in place


Buyer Comment (2022-10-27): hoi


Buyer Comment (2022-10-27): master HOI
 10/27/2022     1 C A C A C A C
218964679 Reviewer Comment (2022-10-27): Schedule of Closing Cost provided


Buyer Comment (2022-10-27): comparison


Buyer Comment (2022-10-27): exhibit
 10/27/2022     1 C A C A C A C
218964682 Reviewer Comment (2022-10-27): Initial 1009 application provided


Buyer Comment (2022-10-27): initial 1009
 10/27/2022     1 C A C A C A C
218964682 Reviewer Comment (2022-11-08): Revised FA worksheet provided correcting income tax amount and which cleared shortfall.


Buyer Comment (2022-11-07): The FAWS was corrected to show the following:
1- Income tax amount had previously been overstated and was corrected to show the correct amount.
2- The income on the rental property was correct on the worksheet at $[redacted]. The property charges, interest and depreciation are not counted against the income on the worksheet.
3-  The P&I payment of $[redacted], tax amount of $[redacted] and HOA amount of $[redacted] is included in the debt section for the rental. HOI is paid through dues.
4- Borrower qualifies with the corrected FAWS.


Reviewer Comment (2022-11-02): The uw must back out the annual PITI payment from the rental income calculation.  Because the PITI was not back out is the reason rental income is lower then what is stated on FA worksheet and causing the residual income shortfall.


Buyer Comment (2022-11-02): Sorry, the Underwriting lead just advised that she did not include the taxes and RI in the rental income, just the interest, which is not much, but there is sufficient income. Just let me know if the issue remains and our team will re-review income and advise


Reviewer Comment (2022-11-01): Your final FA worksheet still does not have the PITI of $[redacted] (annualized is $[redacted]) back out of each rental income calculation for [redacted] and [redacted] which equals $[redac[redacted] rental income and not $[redacted].  Residual income short is still -$[redacted].


Buyer Comment (2022-11-01): Final FAWS


Reviewer Comment (2022-11-01): We are using the same Sch E rental income figures exception after calculating the the income calculation we are backing out the 12 month annual PITI payment for rental property which is causing a shortfall.  After re looking at figures the wrong taxes were input on rental calculation which made the total verified residual income lower $[redacted] with a shortfall of -$[redacted].


Reviewer Comment (2022-11-01): We are using the same Sch E rental income figures exception after calculating the the income calculation we are backing out the 12 month annual PITI payment for rental property which is causing a shortfall.


Buyer Comment (2022-11-01): income docs from UW


Buyer Comment (2022-11-01): Would it be possible to provide your income calculations for the [redacted]? Sorry about this, the Underwriter is reviewing and hoping to understand how you got to this number
 11/08/2022     1 C A C A C A C
218967321 Reviewer Comment (2022-10-28): Updated final 1009 application provided


Buyer Comment (2022-10-27): final 1009
 10/28/2022     1 B A B A B A B
218985260 Reviewer Comment (2022-11-13): Sch C was averaged over 3 years due to [redacted] being affected by Covid. [redacted] and [redacted] are similar regarding net income but we did take into account the losses in [redacted].  This cleared residual income shortfall.


Buyer Comment (2022-11-10): The corrected FAWS is attached. The worksheets for the rental income and the Sch C are also attached. The rental income is calculated on the WS and the mortgage debt, PITI, is added into the debts.
The Sch C income was averaged over 3 years due to [red[redacted] being affected by covid. [redacted] and [redacted] are similar regarding net incomes but we did take into account the losses in [redacted].


Reviewer Comment (2022-10-31): On the Schedule E Calculations Details form that FAR uploaded, D0613, the UW does not have the current monthly mortgage payment (PITIA) listed.  This is the difference between FAR calc and SAMC calc.


Buyer Comment (2022-10-28): Please see attached breakdown from UW and let me know if this does not resolve/reconcile and I will re-review


Reviewer Comment (2022-10-27): When calculating rental income we always back out the annual PITI of previous mortgage from the calculated annual rental income. The rental income calculation adds back the taxes, insurance and interest and deducts the total expenses which is the taxes, insurance and interest along with depletion and other expenses so they wash each other out and the PITI has not been taken into consideration at this point in the rental income calculation so once the annual rental income before PITIA is calculated the annual PITI of previous mortgage is taken out from that figure to determine  rental income for that year.


Buyer Comment (2022-10-27): UW response


Buyer Comment (2022-10-27): From the UW: taxes and insurance are escrowed in the mortgage against the REO
 11/13/2022     1 C A C A C A C
218985261 Reviewer Comment (2022-10-27): Appraisal provided


Buyer Comment (2022-10-27): appraisal
 10/27/2022     1 D A D A D A D
218985276 Reviewer Comment (2022-10-30): OFAC provided


Buyer Comment (2022-10-28): OFAC
 10/30/2022     1 C A C A C A C
218988540 Reviewer Comment (2022-11-07): Additional Sch C income input and social security income removed.


Buyer Comment (2022-11-07): From the UW: There is no SS income
If you look at p2 of the FAWS it was corrected to reflect Schedule C


Reviewer Comment (2022-11-01): Same FA worksheet provided as initial submission and does not verify [redacted] ss income.


Buyer Comment (2022-11-01): FAWS


Reviewer Comment (2022-10-31): Additional documents provided still does not verify [redacted] social security income.  Please provide award letter.


Buyer Comment (2022-10-31): income
 11/07/2022     1 C A C A C A C
218988548 Reviewer Comment (2022-10-31): HOA verification provided


Buyer Comment (2022-10-31): HOA history
 10/31/2022     1 C A C A C A C
218990044 Reviewer Comment (2022-10-31): Post disaster inspection report, shows no damage, dated [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-10-31): inspection
     10/31/2022 2 C B C B C B B
218990045 Reviewer Comment (2022-10-27): [redacted]
Post disaster inspection report, dated  shows no damage [redacted], but the disaster does not have an end date yet.
     10/27/2022 2 B B B B B B B
219017791 Reviewer Comment (2022-11-02): Credit report provided


Buyer Comment (2022-11-02): credit report
 11/02/2022     1 D A D A D A D
219017791 Reviewer Comment (2022-11-07): Primary appraisal provided


Buyer Comment (2022-11-07): missing appraisal [redacted]


Reviewer Comment (2022-11-02): The secondary appraisal was provided again and still missing primary appraisal dated with effective date of [redacted] and appraised value of $[redacted].


Buyer Comment (2022-11-02): appraisal
 11/07/2022     1 D A D A D A D
219017791 Reviewer Comment (2022-11-02): Tax certificate provided


Buyer Comment (2022-11-02): taxes
 11/02/2022     1 C A C A C A C
219017791 Reviewer Comment (2022-11-02): Driver license provided


Buyer Comment (2022-11-02): ID
 11/02/2022     1 C A C A C A C
219030584 Reviewer Comment (2022-11-03): Field Review provided


Buyer Comment (2022-11-03): field review
 11/03/2022     1 C A C A C A C
219030584 Reviewer Comment (2022-11-17): Revised FA worksheet provided removing federal tax amount which cleared shortfall


Buyer Comment (2022-11-17): Signed FAWS


Buyer Comment (2022-11-17): Providing for calculation review, pending signature
 11/17/2022     1 C A C A C A C
219030687 Reviewer Comment (2022-11-04): FA worksheet provided


Buyer Comment (2022-11-03): FAWS
 11/04/2022     1 C A C A C A C
219030690 Reviewer Comment (2022-11-17): Counseling certificate provided


Buyer Comment (2022-11-17): counseling disclosure


Buyer Comment (2022-11-17): HECM cert and the HS disclosure
 11/17/2022     1 C A C A C A C
219030691 Reviewer Comment (2022-11-04): VVOE provided


Buyer Comment (2022-11-03): voe
 11/04/2022     1 C A C A C A C
219030695 Reviewer Comment (2022-11-04): Variance 10% and guidelines allow up to 10%


Buyer Comment (2022-11-04): approval
 11/04/2022     1 C A C A C A C
219030695 Reviewer Comment (2022-11-04): 442 completion report provided


Buyer Comment (2022-11-03): 1004
 11/04/2022     1 C A C A C A C
219035064 Reviewer Comment (2022-11-04): Trust agreement provided


Buyer Comment (2022-11-04): trust


Buyer Comment (2022-11-04): amendment
 11/04/2022     1 C A C A C A C
219100823 Reviewer Comment (2022-11-11): Corrected taxes and debt paid off at closing and cleared shortfall.


Buyer Comment (2022-11-10): Per the UW: The Taxes are fully exempt and has been for several years. The Borrower currently pays $[redacted] for Taxes.


Buyer Comment (2022-11-10): FAWS
 11/11/2022     1 C A C A C A C
219100834 Reviewer Comment (2022-11-11): Preliminary title policy provided with title coverage amount.


Buyer Comment (2022-11-10): see page 2 of the attached
 11/11/2022     1 B A B A B A B
219100835 Reviewer Comment (2022-11-10): Post disaster inspection report, shows no damage, dated [redacted], but the disaster does not have an end date yet.


Buyer Comment (2022-11-10): cdair
     11/10/2022 2 C B C B C B C
219100849 Reviewer Comment (2022-11-11): OFAC provided


Buyer Comment (2022-11-11): OFAC
 11/11/2022     1 C A C A C A C
219105564 Reviewer Comment (2022-11-15): Corrected final 1009 application provided


Buyer Comment (2022-11-15): 1009
 11/15/2022     1 C A C A C A C

 

SitusAMC Loan ID Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade
217868243 A C A   CO Primary Refinance   C A C A
217868243 A   A   CO Primary Refinance   C A C A
217973582 A C A   CA Primary Refinance   C A C A
217973582 A   A   CA Primary Refinance   C A C A
217976953 A C A   CA Primary Refinance   C A C A
217976953 A C A   CA Primary Refinance   C A C A
217982212 A C A   HI Primary Refinance   C A C A
218007197 A C A   CA Primary Refinance   C A C A
218007209 A D A   MN Primary Refinance   D A D A
218011554 A C A   CA Primary Refinance   C A C A
218023551 A C A   OR Primary Refinance   C A C A
218039955 A D A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218039955 A C A   CA Primary Refinance   D A D A
218040027 A C A   CO Primary Refinance   C A C A
218055516 A C A   CA Primary Refinance   C A C A
218055570 A C A   CA Primary Refinance   C A C A
218055570 A C A   CA Primary Refinance   C A C A
218056887 A C A   HI Primary Refinance   C A C A
218056887 A C A   HI Primary Refinance   C A C A
218056906 A C A   UT Primary Purchase   C A C A
218070034 A C A   WA Primary Refinance   C A C A
218070034 A C A   WA Primary Refinance   C A C A
218070035 A C A   CA Primary Refinance   C A A A
218074008 A C A   CA Primary Refinance   C A C A
218074008 A C A   CA Primary Refinance   C A C A
218097609 A C A   CA Primary Refinance   C A C A
218102407 A C A   CA Primary Refinance   C A C A
218102413 A C A   CA Primary Refinance   C A C A
218102413 A C A   CA Primary Refinance   C A C A
218102413 A C A   CA Primary Refinance   C A C A
218102413 A C A   CA Primary Refinance   C A C A
218102416 A C A   CA Primary Refinance   C A C A
218143421 A C A   CA Primary Refinance   C A C A
218143421 A C A   CA Primary Refinance   C A C A
218143481 A D A   CA Primary Refinance   D A D A
218143517 A C A   CA Primary Refinance   C A C A
218143517 A C A   CA Primary Refinance   C A C A
218251012 A C A   CA Primary Refinance   C A C A
218287182 A C A   CA Primary Refinance   C A C A
218287184 A C A   FL Primary Refinance   C A C A
218287192 A C A   CA Primary Refinance   C A C A
218290703 A D A   MA Primary Refinance   D A D A
218290703 A C A   MA Primary Refinance   D A D A
218290713 A D A   CA Primary Refinance   D A D A
218293774 A D A   CA Primary Refinance   D A D A
218293774 A C A   CA Primary Refinance   D A D A
218293774 A C A   CA Primary Refinance   D A D A
218296921 A C A   CA Primary Refinance   C A C A
218298728 A D A   CA Primary Refinance   D A D A
218298728 A D A   CA Primary Refinance   D A D A
218298731 A C A   NY Primary Refinance   C A C A
218337671 A D A   FL Primary Purchase   D B D B
218337671 A C A   FL Primary Purchase   D B D B
218337671 B   B   FL Primary Purchase   D B D B
218337672 A D A   HI Primary Refinance   D A D A
218339076 A C A   CA Primary Refinance   C A C A
218339078 A C A   CA Primary Refinance   C A C A
218350810 A C A   NY Primary Refinance   D A D A
218350810 A C A   NY Primary Refinance   D A D A
218350810 A C A   NY Primary Refinance   D A D A
218350810 A D A   NY Primary Refinance   D A D A
218350811 A C A   CA Primary Refinance   D A D A
218350811 A D A   CA Primary Refinance   D A D A
218354223 A D A   CA Primary Refinance   D A D A
218354223 A C A   CA Primary Refinance   D A D A
218354389 A C A   CA Primary Refinance   C A C A
218355417 A C A   HI Primary Refinance   C A C A
218355417 A C A   HI Primary Refinance   C A C A
218355417 A   A   HI Primary Refinance   C A C A
218357095 A C A   UT Primary Refinance   C A C A
218357098 B   B   FL Primary Refinance   A B A B
218364906 A C A   CA Primary Refinance   C A C A
218364906 A C A   CA Primary Refinance   C A C A
218367326 A C A   CA Primary Refinance   C A C A
218373291 A C A   AZ Primary Refinance   C A C A
218373295 A D A   CA Primary Refinance   D A D A
218374964 A C A   MA Primary Refinance   C A C A
218376128 A C A   TX Primary Refinance   C A C A
218376131 A C A   LA Primary Refinance   C A C A
218376131 A C A   LA Primary Refinance   C A C A
218381053 A D A   ID Primary Refinance   D A D A
218381053 A D A   ID Primary Refinance   D A D A
218381053 A C A   ID Primary Refinance   D A D A
218385658 A D A   CA Primary Refinance   D A D A
218385665 A C A   CA Primary Refinance   C A A A
218385666 A C A   CA Primary Refinance   C A C A
218385669 A C A   CA Primary Refinance   D A D A
218385669 A D A   CA Primary Refinance   D A D A
218385669 A C A   CA Primary Refinance   D A D A
218385669 A C A   CA Primary Refinance   D A D A
218387261 A D A   CA Primary Refinance   D A D A
218387261 A C A   CA Primary Refinance   D A D A
218387264 A B A   CA Primary Refinance   B A B A
218387264 A B A   CA Primary Refinance   B A B A
218387343 A C A   FL Primary Refinance   C B C B
218387343 B   B   FL Primary Refinance   C B C B
218398982 A C A   CA Primary Purchase   C A C A
218398982 A C A   CA Primary Purchase   C A C A
218398988 A B A   WA Primary Refinance   B A A A
218402499 A C A   CA Primary Refinance   C A C A
218404609 A C A   AZ Primary Refinance   D A D A
218404609 A D A   AZ Primary Refinance   D A D A
218404613 A C A   CA Primary Refinance   C A C A
218404613 A B A   CA Primary Refinance   C A C A
218404613 A C A   CA Primary Refinance   C A C A
218404639 A C A   NV Primary Refinance   C A C A
218406332 A C A   CA Primary Refinance   C A C A
218406340 A D A   CA Primary Refinance   D A D A
218406347 A C A   CA Primary Refinance   C A C A
218406364 A C A   TX Primary Refinance   C A C A
218406365 A D A   CA Primary Refinance   D A D A
218406365 A C A   CA Primary Refinance   D A D A
218407475 A C A   CA Primary Refinance   C A C A
218407476 A D A   CA Primary Refinance   D A D A
218407481 A C A   CA Primary Refinance   C A C A
218407481 A C A   CA Primary Refinance   C A C A
218407482 A C A   UT Primary Refinance   C A C A
218412733 A C A   CA Primary Refinance   C A C A
218412736 A C A   FL Primary Refinance   C B C B
218412736 B   B   FL Primary Refinance   C B C B
218412737 A C A   CA Primary Refinance   C A C A
218412738 A D A   NV Primary Refinance   D A D A
218412738 A C A   NV Primary Refinance   D A D A
218412740 A C A   GA Primary Refinance   D A D A
218412740 A C A   GA Primary Refinance   D A D A
218412740 A D A   GA Primary Refinance   D A D A
218412740 A D A   GA Primary Refinance   D A D A
218412740 A C A   GA Primary Refinance   D A D A
218412740 A C A   GA Primary Refinance   D A D A
218412741 A C A   CA Primary Refinance   C A C A
218412742 A D A   WA Primary Refinance   D A D A
218412742 A C A   WA Primary Refinance   D A D A
218428114 A C A   CA Primary Refinance   C A C A
218428116 A C A   CA Primary Refinance   D A D A
218428116 A C A   CA Primary Refinance   D A D A
218428116 A D A   CA Primary Refinance   D A D A
218428116 A D A   CA Primary Refinance   D A D A
218428118 A D A   CA Primary Refinance   D A D A
218428118 A C A   CA Primary Refinance   D A D A
218428118 A C A   CA Primary Refinance   D A D A
218428118 A C A   CA Primary Refinance   D A D A
218428118 A C A   CA Primary Refinance   D A D A
218444591 A C A   CA Primary Refinance   C A C A
218444593 B   B   FL Primary Refinance   A B A B
218444594 A C A   MA Primary Refinance   C A C A
218444594 A C A   MA Primary Refinance   C A C A
218444696 A C A   FL Primary Refinance   C B C B
218444696 B   B   FL Primary Refinance   C B C B
218449731 B   B   FL Primary Refinance   A B A B
218450054 A B A   ID Primary Refinance   B A B A
218453113 A D A   CA Primary Refinance   D A D A
218453113 A C A   CA Primary Refinance   D A D A
218453113 A C A   CA Primary Refinance   D A D A
218453114 A C A   CO Primary Refinance   C A C A
218453121 A C A   FL Primary Refinance   C B C B
218453121 B   B   FL Primary Refinance   C B C B
218453122 A C A   PA Primary Refinance   C A C A
218453122 A C A   PA Primary Refinance   C A C A
218459901 A D A   TX Primary Refinance   D A D A
218459901 A C A   TX Primary Refinance   D A D A
218459901 A C A   TX Primary Refinance   D A D A
218459901 A C A   TX Primary Refinance   D A D A
218459901 A C A   TX Primary Refinance   D A D A
218459904 A C A   FL Primary Refinance   C B C B
218459904 B   B   FL Primary Refinance   C B C B
218459915 A C A   CA Primary Refinance   C A C A
218481866 A C A   NC Primary Refinance   C A C A
218508462 A C A   ID Primary Refinance   C A C A
218508463 A B A   CA Primary Refinance   B A B A
218514155 A C A   ID Primary Refinance   D A D A
218514155 A D A   ID Primary Refinance   D A D A
218532304 B   B   FL Primary Refinance   A B A B
218532313 A C A   CA Primary Refinance   C A C A
218702086 A C A   CA Primary Refinance   C A C A
218714581 A D A   CA Primary Refinance   D A D A
218723663 A C A   ID Primary Refinance   C A C A
218723663 A C A   ID Primary Refinance   C A C A
218723694 A C A   CA Primary Refinance   C A C A
218731962 A C A   CA Primary Refinance   C A C A
218735054 A C A   SC Primary Refinance   C A C A
218746038 A C A   NC Primary Refinance   C A C A
218751893 A C A   CA Primary Refinance   C A C A
218751893 A C A   CA Primary Refinance   C A C A
218751893 A C A   CA Primary Refinance   C A C A
218751893 A C A   CA Primary Refinance   C A C A
218751921 A C A   TX Primary Refinance   C A C A
218751950 A C A   NV Primary Refinance   C A C A
218760283 A B A   CA Primary Refinance   B A B A
218760286 A D A   CA Primary Refinance   D A D A
218822090 A C A   CA Primary Refinance   D A D A
218822090 A D A   CA Primary Refinance   D A D A
218822120 A C A   CA Primary Refinance   C A C A
218822120 A C A   CA Primary Refinance   C A C A
218835218 A C A   CA Primary Refinance   C A C A
218838751 A C A   CA Primary Purchase   C A C A
218838751 A B A   CA Primary Purchase   C A C A
218838751 A C A   CA Primary Purchase   C A C A
218910931 A C A   CO Primary Refinance   D A D A
218910931 A C A   CO Primary Refinance   D A D A
218910931 A D A   CO Primary Refinance   D A D A
218940579 A C A   WA Primary Refinance   C A C A
218948851 A C A   NJ Primary Purchase   D A D A
218948851 A C A   NJ Primary Purchase   D A D A
218948851 A D A   NJ Primary Purchase   D A D A
218948851 A C A   NJ Primary Purchase   D A D A
218948856 A C A   CA Primary Refinance   C A C A
218952317 A D A   NV Primary Refinance   D A D A
218952319 A C A   CA Primary Refinance   C A C A
218952340 A D A   NC Primary Refinance   D A D A
218952340 A C A   NC Primary Refinance   D A D A
218961799 A C A   CA Primary Refinance   C A C A
218961802 A C A   CA Primary Refinance   C A C A
218961804 A C A   PA Primary Refinance   D A D A
218961804 A D A   PA Primary Refinance   D A D A
218961804 A C A   PA Primary Refinance   D A D A
218961804 A C A   PA Primary Refinance   D A D A
218961804 A C A   PA Primary Refinance   D A D A
218961804 A C A   PA Primary Refinance   D A D A
218961804 A C A   PA Primary Refinance   D A D A
218964679 A C A   CA Primary Refinance   C A C A
218964682 A C A   CA Primary Refinance   C A C A
218964682 A C A   CA Primary Refinance   C A C A
218967321 A B A   NC Primary Refinance   B A B A
218985260 A C A   CA Primary Refinance   C A C A
218985261 A D A   CA Primary Refinance   D A D A
218985276 A C A   TX Primary Refinance   C A C A
218988540 A C A   CA Primary Refinance   C A C A
218988548 A C A   SC Primary Refinance   C A C A
218990044 B C B   FL Primary Refinance   C B C B
218990045 B B B   FL Primary Refinance   B B B B
219017791 A D A   CA Primary Refinance   D A D A
219017791 A D A   CA Primary Refinance   D A D A
219017791 A C A   CA Primary Refinance   D A D A
219017791 A C A   CA Primary Refinance   D A D A
219030584 A C A   TX Primary Refinance   C A C A
219030584 A C A   TX Primary Refinance   C A C A
219030687 A C A   MI Primary Refinance   C A C A
219030690 A C A   GA Primary Refinance   C A C A
219030691 A C A   CA Primary Refinance   C A C A
219030695 A C A   CA Primary Refinance   C A C A
219030695 A C A   CA Primary Refinance   C A C A
219035064 A C A   NY Primary Refinance   C A C A
219100823 A C A   TX Primary Refinance   C A C A
219100834 A B A   CA Primary Refinance   B A B A
219100835 B C B   FL Primary Refinance   C B C B
219100849 A C A   TX Primary Refinance   C A C A
219105564 A C A   FL Primary Refinance   C A C A

 

SitusAMC Loan ID Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
217868243     A A     No
217868243     A A     No
217973582     A A     No
217973582     A A     No
217976953     A A     No
217976953     A A     No
217982212     A A     No
218007197     A A     No
218007209     A A     No
218011554     A A     No
218023551     A A     No
218039955     A A     No
218039955     A A     No
218039955     A A     No
218039955     A A     No
218039955     A A     No
218039955     A A     No
218039955     A A     No
218040027     A A     No
218055516     A A     No
218055570     A A     No
218055570     A A     No
218056887     A A     No
218056887     A A     No
218056906     A A     No
218070034     A A     No
218070034     A A     No
218070035     C A     No
218074008     A A     No
218074008     A A     No
218097609     A A     No
218102407     A A     No
218102413     A A     No
218102413     A A     No
218102413     A A     No
218102413     A A     No
218102416     A A     No
218143421     C A     No
218143421     C A     No
218143481     A A     No
218143517     A A     No
218143517     A A     No
218251012     A A     No
218287182     A A     No
218287184     A A     No
218287192     A A     No
218290703     A A     No
218290703     A A     No
218290713     A A     No
218293774     A A     No
218293774     A A     No
218293774     A A     No
218296921     A A     No
218298728     A A     No
218298728     A A     No
218298731     A A     No
218337671     A A     No
218337671     A A     No
218337671     A A     No
218337672     A A     No
218339076     A A     No
218339078     A A     No
218350810     A A     No
218350810     A A     No
218350810     A A     No
218350810     A A     No
218350811     A A     No
218350811     A A     No
218354223     A A     No
218354223     A A     No
218354389     A A     No
218355417     A A     No
218355417     A A     No
218355417     A A     No
218357095     A A     No
218357098     A A     No
218364906     A A     No
218364906     A A     No
218367326     A A     No
218373291     A A     No
218373295     A A     No
218374964     A A     No
218376128     A A     No
218376131     A A     No
218376131     A A     No
218381053     D A     No
218381053     D A     No
218381053     D A     No
218385658     A A     No
218385665     C A     No
218385666     A A     No
218385669     A A     No
218385669     A A     No
218385669     A A     No
218385669     A A     No
218387261     A A     No
218387261     A A     No
218387264     A A     No
218387264     A A     No
218387343     A A     No
218387343     A A     No
218398982     A A     No
218398982     A A     No
218398988     B A     No
218402499     A A     No
218404609     A A     No
218404609     A A     No
218404613     A A     No
218404613     A A     No
218404613     A A     No
218404639     A A     No
218406332     A A     No
218406340     A A     No
218406347     A A     No
218406364     A A     No
218406365     A A     No
218406365     A A     No
218407475     A A     No
218407476     A A     No
218407481     C A     No
218407481     C A     No
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