Exhibit 99.7

Loan Level Exceptions

Run Date - 1/25/2023

Recovco Loan ID	Loan #1	Loan #2	Project Name	Initial Overall Grade	Final Overall Grade	Initial Credit	Initial Value	Initial Compliance	Final Credit	Final Value	Final Compliance
1NK233I0VJN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YBV5JA5EW3N	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
IMPTASXTSWB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2FERUIVGO1K	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
ASTG15UPIOR	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
G5G0G22TOI0	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
3G35BIATN0R	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VYUMJCE35EE	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
IHL4RWSSDEE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0KDJ3DOJEYK	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
BTPSH25G4LV	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
K2IKYBH5FMB	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
Q120ZUZKHTW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YCFOZSWXPDX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AEPJUD0DNNI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
OL4MTY3GZPR	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
ZUO0RVQFKDJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XXQRVEV35C1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
WS3REWZ0LYE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
S2NC30D2BR0	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UJGWOEV1MWX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CWFO32B5IJA	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4UTU5SB12MC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0KXTYOOVKHS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W2I1ZEFCKUQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XEY0RTB30FI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KXXDWUQPDAL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
V2MIDV133ZQ	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
XO2TAL1ZX4D	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HI2KGODPF5T	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HFJCUSWJEVR	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JAQFV5UMW11	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0ZMQLHWOFTT	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
WDXGUH0UV41	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LHZOAO1OOOH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TQ5YUQPALOV	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
S3C4TU1NWIP	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RUCDSUVKNFC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BV4PA5GNHKN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KD4OQYGFOG0	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5X12XKF1YXO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZZVWFZAL1SR	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DTUJFT00TCF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NYQG21UIQNT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RLXDFNMGXHH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FJXEGYOOS4H	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5CZTKIRUCGT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SZZZDNXACAK	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
V2MCXY50MJY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FKXWSWRXPBL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JW3CKYTZG5X	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4L5Z4PXZRA5	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BWM3F2I5ZEI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
G0QQA0OCLVL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2JLU2G3LVLC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ATAFOER5SOE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CK4TLW4VCMJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
IOTKDZ24DRN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5WQDX3TJ2AT	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
DRNPHAFIWNO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DS1SOFR45AI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YHAWF0PUWXV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BMWV10ZPBQD	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HYWETRUGKMY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LGOMIFTFX22	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
FKUNULIKIKR	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VX0IDBGPPWV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZXKR132RRQ1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
33K5S2HGJSN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
MBM2USBC0UZ	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
0LXKPC2JFW5	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SP3R5VGSVLQ	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
OZFJALNAP04	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KU3FEURGRAC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
QWWVPKHBNY4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BN5NDU5G3JV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VOJP3V4QCIX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SPG5SZ0YTFG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TJFY1A4ACYO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0GZD2COG53N	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
WGEWVO3GYZI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ODVUJQZ11R4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
O3PGNKP3MR2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZK1NLUOEILI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
44L1XZIHXBP	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CLZSMGFH0GQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5GZVGLE3OYL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZVULUS1CE02	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5XQVA1BQRFQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AP0YXVWE4DG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
WTUEGK5QJ3H	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
MLMD2OC5I21	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ED0KVPSM1ZC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2SDZIPSV5AQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FEIZJK0OZCW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CL2CZNHYJ02	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
50YJJNEX0WN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CUA2YNJTMB3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ILM14PO0ORD	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SOUUS1UDXQU	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
5VC30FFOZTY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KISTYOKB1KN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ASJFNBH4EJO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4MWB3OZRMQZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FBQYGW2SIPW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UKZ4WEJEXLJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
IMT0DWKM5HF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VTYX0ONPFOH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
WDHLRMIQORX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LR2ZO1OLWLN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
D4WG5B1M5GV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
V1PSFDVO00T	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
M0VJ1LETBY3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AF1CGJIFLJ2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ADXTZMDLRC3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RPSPELC1OXV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ASW400EBPPF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
PFEVOVGA1J3	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
GOTRRPTBOY4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
Y2NFPOXHMJL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
PVBMWLOGWNS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
PBBQTBHAYDJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CLPHTHWX0OR	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
5QLEWG0JKTU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
IFX0KJRTTQ4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
MMMSQ51EE1B	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DKWYWWZYYRQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KLVQGKESUCS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KO4HPCZPFPG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2PZVYINK0AY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
T5M4GYDVF2D	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DCEIKTECI0A	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
3VUCU4ZM23I	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XPKXDYPBDQF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TOEKGY4TTMW	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
HLLYPO1L25S	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
EU4CK5HDC3L	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
V04AVR0ZEZG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YWOE5FDJ130	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
L05N3S2JKI0	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
KKT40W15D4G	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NBUVB5WHSWW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YM1ZQPUZ5NQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HVTOEZFO11E	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RQYFNTR1VAC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W22JAIOUTYV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
GCBLX5OCSSW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BQRJMSNNEYU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
GPEDPDWRSS3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
U1B4TAHNNX1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CHTHKJNEXYT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JIBJ4JIBCY2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
B1F0QRKIQAB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
IYCW3FMLXOT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KWGNS3VHG2T	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
R0KAKAXJ2ZW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
1KMD0QAWLWM	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
SR0TQLZ5UYU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TOJ2M14ATNF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AHLLJJENBQX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FGYZ2UQAAIY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
PI1SUO551R3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
PPXZBPTLDIH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BKH01VBD5A4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
S5OU1ANVYJ4	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
EHQHWRPKB1R	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DYLYFQ3XB53	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2YALNJJTAT3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YLEZ02VT54A	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4HG43RHYFZW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
K4BXX1Y4R3Y	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
M4PAHODWZ3L	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NZJHKHJBQQU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
50URFFUSC1J	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KMHG0OUURKB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ATYZ41NQJHR	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W2UIVANB4AU	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
U1CDIJVRRMW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SH5CPNA3PRB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
OF4TNYK2YDB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NZSAOCR0EMH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BXIC3XIIL0Q	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RMM5U5GDTVC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NJQK1W1IP4Y	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
QMSRWACE3FG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UFPF1BTQBXP	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
3MEQPGHGMY3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XE2CWZ5BLPB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UQL4MDSBC40	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
RMBIPEZB3RD	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
T1ZIMGBOEDH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
IJB1RZN21HH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
T2G3F00N2WN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
I5UXIV2KKL2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BQBSDNVTDPU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2KO4CVHFIHM	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UKR1AXEIMKO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
EKW15ENXDL2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RDJXT40R4WF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XPSGJCU4USV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KPJJJXKN5Y5	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W4BY5IYBOCJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
P4QCTRUKOTK	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
S2IYKXVHPMR	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TNB1JPUJRG5	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XJZ11VEF3WA	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RVCMGXK1U1P	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZTBU53AUQFZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
54CRARYYA2K	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
10WUUPCDZWQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NRDQMBYJPPW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
GPLOVYAVZ0P	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5CWQJZI4V3M	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
3ZOPVFWXR4O	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
XVLAB5WV2BT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
YFMMWZE0WU2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JND3NJCWZVK	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ZODU4NHRXS0	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
BC3YDETAM32	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VSFDUNXTQCB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RSSGGENAX4H	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
SKI1F0CY0GV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
GMHILIR31QG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
3HDQJSCGHLZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TULAQPTWR2C	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LMBGQQW5DF2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
A33ODEMWQ1M	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DAPEQCR2DET	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RLZKLMZITFJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UEXB4DOXJKB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
B0QL2JG1QME	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2FHCIS03WDQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RLQM540CAHJ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0H4OPPQASQL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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1K1BM0K5IRM	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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VOIVYXOKY5M	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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NWIKTO5PUQC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AYFMQYWBTSW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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2EIB04KNICV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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B0MPWIMDDC5	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
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PZODG2LNVXT	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
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KPI0G3PNEUY	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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JHVBV1SPFJA	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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5DC305DLXE1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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TJYN1HRGFGY	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
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K1LKNML04NH	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
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04XYVRJVX2E	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
C3ZVRKOT0A4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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IPSUMOI1OKV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TILR55ER03M	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
BNDFSHP3NBK	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
SKOEQTPA0JL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2RWTH1AWUN2	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
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40WJJTFGE1L	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
5PHFE55QUQM	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4L2GCHUYRR5	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
I3LEOWETO2Q	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
HDICAHBJAON	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KKO4VT2AIW4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
24GKZ2WB23N	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CGBPNOOJUEY	XXXXX	XXXXX	XXXXX	3	2	3	1	1	2	1	1
1TOLURXEOZU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CEI01RPGLQG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DFQHK0G4B43	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JRBZEWS1UH2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
K5E34XTA2K3	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
QANVHZO4E5H	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LEFBRS5QKM0	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
35KKZBH3YTI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XWBUEOPNAT1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TLF5QTBIQH2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
ET1M0GR2S5E	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
K0IZAOWJLNA	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NPVUAHOQEIW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DQNSRYQP1X5	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
WX4VRPFFO4U	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
T0BUXUA3L5O	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
NRLAYKRPES0	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
HSJSOZOWVPH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HCBLACGXDLO	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
CLSGMBDJ1F3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
KMR2MXISZ32	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TI1PTZKKW2L	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
P2LY1WHBYDQ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
1YCULCJTYDV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XL5X0TUSF1G	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AYDCLIZAWY4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0ZI1ASHYBSC	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XWSRLE3L5P3	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XBUMTLEYSXF	XXXXX	XXXXX	XXXXX	3	2	3	1	1	2	1	1
EJ3PWUUTDH4	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
PRPK35APW2C	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TXYTWDVDOLS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
22MV3R1C0ZU	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
CPQMJSGBF0R	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VUAQM2Z0OOH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UHQMD1ANZFH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
D2OPSDMBRZT	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
NNK0TSZ0DVS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
K0W3MVXSLQS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TUW1WQZZ4ZF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
Q25ER0QSRWF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LKXI3MZBHIW	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
G1MV4EH45O1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HJ5IPGDRVDB	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
E1ZO1DNC5F0	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DJ4ZMLF2F1V	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
EODBEZNDNAK	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TVFZDL3EVSC	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
DZGGKJ5AHF4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
O2RNRMBWA02	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FLOM3R5LD1L	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LGPM0MPCRRG	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
M0GJADYCAVZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
OOK5MLHXE1U	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TWY2Q334FVV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XYRA3T5TQXS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
TAMT13XNWUA	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
24JEBBXEK2S	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
I1L5VA32TVO	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
MEB0P4MUPLD	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FOAOPACIKYO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
GLD4YPWSXKR	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
HWSU0IN4RDO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W35PDKNM5FQ	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
Q33UH22MPTL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LU2EF0BKU5I	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
3WD05P2DMZI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
15XFVQRKY23	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NJNQ5PWZWOK	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
AABQCD0A44W	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
W51DIXFJTSI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
WT3FRIZYRHZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
O2FRH3WW53K	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
AJKQWUCAHI2	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JRVT1KVAOXS	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
4AUP0HSIJJ1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
OOTBZWHJD0R	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
URFVZ2MOZNZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
3SEYW1EEGO1	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0S44QEHS2XF	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
LNE3Q2RC4FX	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
TJIG0JO01I4	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
JWE4ZONJWAN	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
EYDLBK0QD0V	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
RIXU1LP03XK	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
XLQK03LJWWT	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
NIO4TLHW1NE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
FLFNTKU0Z5P	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UCPPPLOXHNO	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
UAVI1PHYB2K	XXXXX	XXXXX	XXXXX	3	1	3	1	1	1	1	1
OQYSTI0YXFE	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
5XOCXGVSTAI	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
2NGQ2EO5JT4	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
UPSEEL0Q42U	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
C0F0FE13UEV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
VYTLZZZJZPV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
0ZB5XXCM3VE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
D0QY42KYEGH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
EEIG4T142OZ	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
R1FGTFWQN0D	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
1DSK3MKSRIE	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DTK42ZHXSEV	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
HCO4SDDQM3L	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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5UOORDTNBSJ	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
WT0JXSOZV2M	XXXXX	XXXXX	XXXXX	3	1	3	3	1	1	1	1
ZXZT31ROSBF	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
Q0L3ZPRDEOT	XXXXX	XXXXX	XXXXX	3	3	1	3	1	1	3	1
FYLPGL5CD3C	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
3EFDVFMKKHA	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
FXZQ2WSBD31	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
FDU04NCQBDT	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
EFTKM5MA2BV	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
1XLMTHZUV0P	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
OODAY5JILE2	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
1TBF1F4DZEK	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
SQB4KVATE2B	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
RCXGM2ZTOK4	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
Q30MLSR1KU1	XXXXX	XXXXX	XXXXX	3	1	1	3	1	1	1	1
12OQYKIXL3U	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
DM2ODEBRUQP	XXXXX	XXXXX	XXXXX	2	2	2	1	1	2	1	1
LX2WPPY0OOL	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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3ME2DMHZGRH	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1
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ZYFA0R3KHUX	XXXXX	XXXXX	XXXXX	1	1	1	1	1	1	1	1

Recovco Loan ID	Material Exceptions	Non-Material Exceptions	Grade 1 Exceptions	Resolved Exceptions	Acknowledged Exceptions
1NK233I0VJN
YBV5JA5EW3N				*** (CURED) Income documentation does not meet guidelines - EV R COMMENT: The loan file was missing Pension Income documentation. Retirement Income guidelines required Retirement income must be verified from the former employer, or from Federal tax returns. There was no documentation for this income in the loan file.
IMPTASXTSWB
2FERUIVGO1K				*** (CURED) Income documentation is incomplete - EV R COMMENT: Per the Financial Assessment Worksheet Addendum (page 180), the UW used income based on XXXX W2 income for the borrower $XXXXand $XXXX for the co-borrower, also used schedules K1 average income for 24 months for the borrower $XXXX and for the co-borrower $XXXX. The only documentation on file for income is a XXXX and awards letter in the amount of $XXXX for the borrower and a X months profit and loss statement. The loan file is missing the XXXX W-2s and the schedules K1 for both borrowers.
ASTG15UPIOR				*** (CURED) Credit report incomplete - EV R COMMENT: The Property Charge History was not documented in the loan file. The Mortgage/Rent Payment History guidelines required The mortgagee must determine the mortgagor’s mortgage or rent payment history for the mortgagor’s principal residence and all other Real Estate Owned through: o the credit report; o verification of rent received directly from the landlord (for landlords with no identity-of-interest with the mortgagor); o verification of mortgage received directly from the mortgage servicer; or o a review of canceled checks (front and back) that cover the most recent 24-month period. The loan file was missing the payment history on the subject property HELOC paid with proceeds at closing.
G5G0G22TOI0				*** (CURED) Missing from file - EV R COMMENT: The Borrower Occupancy requirement was not documented in the loan file. The Borrower Eligibility guidelines required the Borrower(s) must be residing in the subject property as their primary residence. The loan file was missing the Borrower Certification of Occupancy form.
3G35BIATN0R
VYUMJCE35EE				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter Financial Assessment Worksheet for the subject borrower and subject property.
IHL4RWSSDEE
0KDJ3DOJEYK				*** (CURED) Income documentation is incomplete - EV R COMMENT: The loan file was missing the required documentation of Boarder Income. the Rental Income from Boarders required • The mortgagee must calculate the effective income by using the lesser of the two-year average or the current lease. Rental income from boarders is only acceptable if the mortgagor has a two-year history of receiving income from boarders that is shown on the tax return and the mortgagor is currently receiving boarder income. The Underwriter used net Boarder rent $xxx.xx monthly, pages 188, based on gross rent $xxxx monthly, page 190, taken from 2021 Federal tax returns. The 2021 Tax returns were required, but were missing from the loan file.
BTPSH25G4LV				*** (CURED) Income documentation is incomplete - EV R COMMENT: Per the Financial Assessment Worksheet, page 189, on the FA U/W Summary, the UW used social security income of $XXXX based on a XXXX from Cost of Living increase notification for XXXX . The loan file contains only a XXXX (page XXX -XXX) with a total of $XX,XXX or monthly income of $X,XXX Loan file is missing the Cost of Living increase notification.
K2IKYBH5FMB				*** (CURED) Income documentation is incomplete - EV R COMMENT: Per the applicable guidelines, page XXX, states that self employed income must be calculated by using the lesser of the average gross self-employment income earned over the previous two years or the average gross self-employment income earned over the previous one year. The FINANCIAL ASSESSMENT WORKSHEET on file, page XXX, reflects that the borrower 1 income was calculated using an average of the lessor of recent 12 months. However, the file only contains a XXXX XXXX s from XX/XX/XXXX to XX/XX/XXXX on page XXX The loan file is missing all XXXX income documentation for borrower 1.
Q120ZUZKHTW
YCFOZSWXPDX
AEPJUD0DNNI
OL4MTY3GZPR				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form.
ZUO0RVQFKDJ
XXQRVEV35C1
WS3REWZ0LYE
S2NC30D2BR0
UJGWOEV1MWX
CWFO32B5IJA
4UTU5SB12MC
0KXTYOOVKHS
W2I1ZEFCKUQ
XEY0RTB30FI
KXXDWUQPDAL
V2MIDV133ZQ				* (CURED) Transmittal (1008) is Missing - EV R COMMENT: The loan file was missing the Financial Assessment Worksheet. * (CURED) Value used by lender not supported - EV R COMMENT: Missing Third Party Appraisal Product that verifies the Appraisal value within 10% tolerance.
XO2TAL1ZX4D
HI2KGODPF5T
HFJCUSWJEVR
JAQFV5UMW11
0ZMQLHWOFTT				*** (CURED) Asset documentation does not meet guideline requirment - EV R COMMENT: The loan file was missing the asset verification document(s) for $XXX,XXX page XXX , used by the Underwriter and required Asset Dissipation in loan approval.
WDXGUH0UV41
LHZOAO1OOOH
TQ5YUQPALOV				*** (CURED) Missing Documentation - EV R COMMENT: The subject property appraised as is for $XXX.XXX A post-closing Pro Teck ARR verified the value. Page XXX of the February XXXX guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $X,XXX,XXX The loan file is missing the pre-closing AVM required to support the appraised value at origination.
S3C4TU1NWIP
RUCDSUVKNFC
BV4PA5GNHKN
KD4OQYGFOG0
5X12XKF1YXO
ZZVWFZAL1SR
DTUJFT00TCF
NYQG21UIQNT
RLXDFNMGXHH
FJXEGYOOS4H
5CZTKIRUCGT
SZZZDNXACAK
V2MCXY50MJY
FKXWSWRXPBL
JW3CKYTZG5X
4L5Z4PXZRA5
BWM3F2I5ZEI
G0QQA0OCLVL
2JLU2G3LVLC
ATAFOER5SOE
CK4TLW4VCMJ
IOTKDZ24DRN
5WQDX3TJ2AT				*** (CURED) Validation of primary residence - Missing - EV R COMMENT: The loan file was missing The Borrowers' Certification of Owner Occupancy.
DRNPHAFIWNO
DS1SOFR45AI
YHAWF0PUWXV
BMWV10ZPBQD
HYWETRUGKMY
LGOMIFTFX22				*** (CURED) Income documentation is incomplete - EV R COMMENT: The loan file was approved using XXXX for both borrowers. The file contains a recent award letter on page XX, borrower #1. However, the income documentation for borrower #2 is missing from the loan file.
FKUNULIKIKR
VX0IDBGPPWV
ZXKR132RRQ1
33K5S2HGJSN
MBM2USBC0UZ				* (CURED) Asset documentation does not meet guideline requirment - EV R COMMENT: The loan file was missing documentation of $X,XXX,XXX, XXX XXX Asset Dissipation by the Underwriter for 100% of Effective Income. * (CURED) Credit report incomplete - EV R COMMENT: The loan file was missing B2's Credit Report and Credit Score. * (CURED) Credit score not provided - EV R COMMENT: The loan file was missing B2's Credit Report and Credit Score. * (CURED) Income documentation does not meet guidelines - EV R COMMENT: The loan file was missing documentation of $X,XXX,XXX, XXX XXX, used for Asset Dissipation by the Underwriter for 100% of Effective Income.
0LXKPC2JFW5
SP3R5VGSVLQ				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form.
OZFJALNAP04
KU3FEURGRAC
QWWVPKHBNY4
BN5NDU5G3JV
VOJP3V4QCIX
SPG5SZ0YTFG
TJFY1A4ACYO
0GZD2COG53N
WGEWVO3GYZI
ODVUJQZ11R4
O3PGNKP3MR2
ZK1NLUOEILI
44L1XZIHXBP
CLZSMGFH0GQ
5GZVGLE3OYL
ZVULUS1CE02
5XQVA1BQRFQ
AP0YXVWE4DG
WTUEGK5QJ3H
MLMD2OC5I21
ED0KVPSM1ZC
2SDZIPSV5AQ
FEIZJK0OZCW
CL2CZNHYJ02
50YJJNEX0WN
CUA2YNJTMB3
ILM14PO0ORD
SOUUS1UDXQU				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form.
5VC30FFOZTY
KISTYOKB1KN
ASJFNBH4EJO
4MWB3OZRMQZ
FBQYGW2SIPW
UKZ4WEJEXLJ
IMT0DWKM5HF
VTYX0ONPFOH
WDHLRMIQORX
LR2ZO1OLWLN
D4WG5B1M5GV
V1PSFDVO00T				* (CURED) Condo / PUD rider Missing - EV R COMMENT: The loan file is missing the PUD Rider to the Mortgage as the appraisal shows the subject property is a PUD. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form. * (CURED) Final Application is missing - EV R COMMENT: The loan file is missing the final loan application dated XX.XX.XXXX * (CURED) Mortgage missing / unexecuted - EV R COMMENT: The loan file is missing the Mortgage/Deed of Trust. *** (CURED) Note is missing or unexecuted - EV R COMMENT: The loan file is missing the Note.
M0VJ1LETBY3
AF1CGJIFLJ2
ADXTZMDLRC3
RPSPELC1OXV
ASW400EBPPF
PFEVOVGA1J3				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form. * (CURED) Final Application is missing - EV R COMMENT: The loan file is missing the final loan application. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the reverse mortgage counseling certificate. * (CURED) Missing Doc - EV R COMMENT: The loan file is missing the annual certificate of occupancy. * (CURED) Missing Title evidence - EV R COMMENT: The loan file is missing the title policy. * (CURED) Mortgage missing / unexecuted - EV R COMMENT: The loan file is missing the mortgage/deed of trust. * (CURED) Note is missing or unexecuted - EV R COMMENT: The loan file is missing the note. * (CURED) Notice of Servicing Transfer missing or unexecuted - EV R COMMENT: The loan file is missing the notice of servicing transfer. * (CURED) Residual income does not meet guidelines - EV R COMMENT: The loan file is missing proof of $X,XXX.XX SS income. * (CURED) Right of Rescission missing or unexecuted - EV R COMMENT: The loan file is missing the refinance 3 day right to cancel.
GOTRRPTBOY4
Y2NFPOXHMJL
PVBMWLOGWNS
PBBQTBHAYDJ
CLPHTHWX0OR				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter loan assessment financial worksheet.
5QLEWG0JKTU
IFX0KJRTTQ4
MMMSQ51EE1B
DKWYWWZYYRQ
KLVQGKESUCS
KO4HPCZPFPG
2PZVYINK0AY
T5M4GYDVF2D
DCEIKTECI0A
3VUCU4ZM23I
XPKXDYPBDQF
TOEKGY4TTMW				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter loan financial assessment worksheet.
HLLYPO1L25S
EU4CK5HDC3L
V04AVR0ZEZG
YWOE5FDJ130
L05N3S2JKI0				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter loan assessment financial worksheet.
KKT40W15D4G
NBUVB5WHSWW
YM1ZQPUZ5NQ
HVTOEZFO11E
RQYFNTR1VAC
W22JAIOUTYV
GCBLX5OCSSW
BQRJMSNNEYU
GPEDPDWRSS3
U1B4TAHNNX1
CHTHKJNEXYT
JIBJ4JIBCY2
B1F0QRKIQAB
IYCW3FMLXOT
KWGNS3VHG2T
R0KAKAXJ2ZW
1KMD0QAWLWM				* (CURED) Condo / PUD rider Missing - EV R COMMENT: The loan file is missing the condominium rider to the mortgage. * (CURED) Mortgage missing / unexecuted - EV R COMMENT: The loan file is missing the Mortgage/Deed of Trust. * (CURED) Note is missing or unexecuted - EV R COMMENT: The loan file is missing the Note. * (CURED) Right of Rescission missing or unexecuted - EV R COMMENT: The loan file is missing the refinance 3 day right to cancel transaction form.
SR0TQLZ5UYU
TOJ2M14ATNF
AHLLJJENBQX
FGYZ2UQAAIY
PI1SUO551R3
PPXZBPTLDIH
BKH01VBD5A4
S5OU1ANVYJ4				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form.
EHQHWRPKB1R
DYLYFQ3XB53
2YALNJJTAT3
YLEZ02VT54A
4HG43RHYFZW
K4BXX1Y4R3Y
M4PAHODWZ3L
NZJHKHJBQQU
50URFFUSC1J
KMHG0OUURKB
ATYZ41NQJHR
W2UIVANB4AU				* (CURED) Application Missing - EV R COMMENT: The loan file is missing the initial loan application. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the TALC-total amount loan costs. * (CURED) Credit history does not meet guidelines - EV R COMMENT: Qualifying score for Borrower/Co-Borrower XXX/XXX. The credit history was not within guidelines. The credit report is missing from the loan file. The credit history cannot be determined. * (CURED) Final TIL Missing or Not Executed - EV R COMMENT: The loan file is missing the final TIL. * (CURED) Good Faith Estimate missing or unexecuted - EV R COMMENT: The loan file is missing the GFE of closing costs. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the annual certificate of occupancy. * (CURED) HUD-1 Closing Statement missing or unsigned - EV R COMMENT: The loan file is missing the HUD. * (CURED) Missing Appraisal - EV R COMMENT: The loan file is missing the appraisal. * (CURED) Missing credit report - EV R COMMENT: The loan file is missing the credit report. * (CURED) Missing Doc - EV R COMMENT: The loan file is missing the counseling certificate. * (CURED) Missing flood cert - EV R COMMENT: The loan file is missing the flood certificate. * (CURED) Missing proof of hazard insurance - EV R COMMENT: The loan file is missing the hazard insurance policy and proof the hazard insurance was paid. * (CURED) Missing Title evidence - EV R COMMENT: The loan file is missing the title. * (CURED) Mortgage missing / unexecuted - EV R COMMENT: The loan file is missing the mortgage/deed of trust. * (CURED) Notice of Servicing Transfer missing or unexecuted - EV R COMMENT: The loan file is missing the notice of servicing transfer. * (CURED) Right of Rescission missing or unexecuted - EV R COMMENT: The loan file is missing the refinance 3 day right to cancel transaction.
U1CDIJVRRMW
SH5CPNA3PRB
OF4TNYK2YDB
NZSAOCR0EMH
BXIC3XIIL0Q
RMM5U5GDTVC
NJQK1W1IP4Y
QMSRWACE3FG
UFPF1BTQBXP
3MEQPGHGMY3
XE2CWZ5BLPB
UQL4MDSBC40				*** (CURED) Good Faith Estimate missing or unexecuted - EV R COMMENT: The good faith estimate is missing from the loan file.
RMBIPEZB3RD				*** (CURED) Appraisal is 4 months after Note Date - EV R COMMENT: Per XXX guidelines page XXX, the appraisal cannot be more than 120 days old at closing. The appraisal is dated XX/XX/XXXX and the loan closed on XX/XX/XXXX which is more than 120 days.
T1ZIMGBOEDH
IJB1RZN21HH
T2G3F00N2WN
I5UXIV2KKL2
BQBSDNVTDPU
2KO4CVHFIHM
UKR1AXEIMKO
EKW15ENXDL2
RDJXT40R4WF
XPSGJCU4USV
KPJJJXKN5Y5
W4BY5IYBOCJ
P4QCTRUKOTK
S2IYKXVHPMR
TNB1JPUJRG5
XJZ11VEF3WA
RVCMGXK1U1P
ZTBU53AUQFZ
54CRARYYA2K
10WUUPCDZWQ
NRDQMBYJPPW
GPLOVYAVZ0P
5CWQJZI4V3M				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM submission form.
3ZOPVFWXR4O				*** (CURED) Missing Title evidence - EV R COMMENT: The title documents for the subject property are missing from the loan file.
XVLAB5WV2BT
YFMMWZE0WU2
JND3NJCWZVK
ZODU4NHRXS0
BC3YDETAM32
VSFDUNXTQCB
RSSGGENAX4H
SKI1F0CY0GV
GMHILIR31QG
3HDQJSCGHLZ
TULAQPTWR2C
LMBGQQW5DF2
A33ODEMWQ1M
DAPEQCR2DET
RLZKLMZITFJ
UEXB4DOXJKB
B0QL2JG1QME
2FHCIS03WDQ
RLQM540CAHJ
0H4OPPQASQL
5Q0MSJQWAKV
V111TBVLGPC
RXBVZPI2XRZ
GCXDLSZALMJ
GCYJFTIJFXD
WQCCXUOKGHR				*** (CURED) Notice of Servicing Transfer missing or unexecuted - EV R COMMENT: The loan file is missing the notice of servicing transfer.
YFLMCQMIOYC
VNSUO3T2L53
T1DXCBNRRLC
HNXNIVYTIZT
CQXS1TU5Q41
QWS2WDDGPXY
2LEK0BUNOIR
VNXT5A0OWBJ
BBK2VURCYYX
JMVQQWT3JK2
HQQ0FFQQDSF				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the loan HECM Submission Form.
4MQ0Y1VVHC2
JSEVI3ZHMAW
L2TQSFCKG5N
13TMPZTP1CA
PRUKAKMFSXI				*** (CURED) Missing Documentation - EV R COMMENT: The loan file was missing a signed 4506T
JA1IMULG304
CEW2RGYOVK3
ULS0AR1D5IN
YWRR1IZI3NY
2DS4XJRCJPT
RFKZKYWEDQZ
3ZP0U2OIGIC
AXDLZT05OZX
Z4GXMSFVFUQ
CP4JLGV4M02
O034WT21HJ0
PXMX2KDO3TC
NG0S1BCNXIR
TYKRZKRDI5E
YRWACARML0N				*** (CURED) Missing Documentation - EV R COMMENT: The guidelines (p.XX) state all HOA, Condo and PUD fees and Ground Rent for subject property must be current with no more than 3x30 arrearage in the prior 24 months. The file does not contain the PUD HOA payment history for the prior 24 months.
NLTTMYLWWX4
FHUHOFFBPIT
TM3KHTHAZZ2
2IBQ43QTIK4
54SMHUMLFF4
DG5DHWP5EAY
RUKKXTEWTPX
CSMBK4EF5PE				* (CURED) Missing Documentation - EV R COMMENT: The guidelines (p.XX) state All HOA, Condo and PUD fees and Ground Rent for subject property must be current with no more than 3x30 arrearages in the prior 24 months. The file does not contain the PUD HOA payment history for the prior 24 months. * (CURED) Income documentation is incomplete - EV R COMMENT: The loan file is missing the 30-day paystub and 2020 and 2021 W2 for the co-borrowers employment to support the origination income of $xxxx *** (CURED) Missing Documentation - EV R COMMENT: The guidelines (p.85) state all housing debt payments must have been paid on time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. The credit report (p.317) shows the mortgage last reported 1/2022 and the payoff statement (p.345) shows interest calculated from 5/1/2022, evidencing the subject is due for 5/1/2022. Mortgage payment history for 1/2022 thru 6/2022 is required for the most recent 24 months housing payment history to be completed.
AJXLGC2XPYF
HAPXSAI5M45
IOKX5IFE3OZ
V2F1QKQK4AZ
VDPJOG12CWE
JBR1L0UJCFN
MBZWNNRZY4U
HRC1DQH2PQM
S2QEXTPXYZB
XL23GTBQC23
ZPNEHBPRBPT
4E34LOSDFHH
OTETXY4C0KQ				* (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page XX state All HOA, Condo and PUD fees and Ground Rent for subject property must be current with no more than 3x30 arrearages in the prior 24 months. The file does not contain the PUD HOA payment history for the prior 24 months. * (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 60 state If the Credit score is between xxx-xxx for all borrowers, a letter of explanation addressing the credit issues is required and a PCSA is mandatory. Approval is subject to Underwriting Manager, CHD Lead or UW Channel Lead approval. The borrowers score is xxx and a PCSA was held; however, the file is missing evidence the loan was approved by an Underwriting Manager, CHD Lead or UW Channel Lead approval as required.
YYAC33WOMBO
WCUVZLW3Z5D				*** (CURED) Income documentation is incomplete - EV R COMMENT: The loan file is missing documentation to support the XXXX income of $X,XXX.XX listed on the Financial Assessment Worksheet.
1K1BM0K5IRM
FZ0JLJAVPUX
AFGUIW2212A				* (CURED) Title issue - EV R COMMENT: The final title policy (p.507) reflects the vesting as xxxx & xxxx whereas the deed (p.351) reflects vesting as xxxxx and xxxxx which matches the preliminary title. Moreover, per the co-borrowers ID, his name is xxxxx * (CURED) Missing Documentation - EV R COMMENT: The guidelines (p.85) state all housing debt payments must have been paid on time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. The credit report (p.191) shows the mortgage last reported 2/2022 and the payoff statement (p.216) shows interest calculated from 6/1/2022, evidencing the subject is due for 6/2022. Mortgage payment history for 3/2022 thru 6/2022 is required for the most recent 24 months housing payment history to be completed.
NAOUY5RKFID
VOIVYXOKY5M
J5EUGBIMI5Q
UQGV3WO1KUZ
ZKZEF5JQWIV
SQAZIQIFF31
VBLMVMNZCZI
GZINQAWZQT3				*** (CURED) Missing Documentation - EV R COMMENT: The preliminary title (p.205)and final title (p.634) reflect the borrower as a married woman, whereas the loan application (p.124) states she is unmarried. The discrepancy is not addressed and could possibly affect the Residual Income requirements.
OEI4JFT5OSN				*** (CURED) Income documentation does not meet guidelines - EV R COMMENT: Per the application, the borrower was qualified using $xxxx per month from XXX/XXXt benefits. The file did not contain any documentation to support the income used for qualification.
NWIKTO5PUQC
AYFMQYWBTSW
TOJ41AYEUO2
2EIB04KNICV
ZIQKL3QWDFV
ZZW4NHIOXSC				* (CURED) Missing Documentation - EV R COMMENT: The loan file was missing a signed 4506T * (CURED) Missing Documentation - EV R COMMENT: The guidelines (p.85) state all housing debt payments must have been paid on time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. The credit report (p.155) shows the mortgage last reported 3/2022 and the payoff statement (p.172) shows the subject due for 6/1/2022; however, also reflects a late charge of $xx.xx Since the credit report reflects 1x30 10/2020, which is within the previous 24 months, the mortgage payment history for 4/2022 thru 6/2022 is required for the most recent 24 months housing payment history to be completed and verify no more than 2x30 in the previous 24 months and 0x30 in the previous 12 months.
FRO5WSPUT0Q
01L1POPI3E3
B0MPWIMDDC5				* (CURED) Missing Documentation - EV R COMMENT: The file is missing evidence the hazard insurance is paid in full. The Declaration page shows the annual premium of $xxx and balance due of $xxx (p.946) and the receipt confirms payment of $xxxx as down payment (p.947) and the HUD does not reflect the remaining balance paid at closing. The policy was a new policy effective 6/29/2022. Per lender guidelines (p.233), The policy must verify that the annual premium has been paid in full or the balance will be paid in full at closing if hazard has not been in place for the previous 12 months from time of application. * (CURED) Missing Doc - EV R COMMENT: The loan file is missing the signed 4506T
IF1YJ3AAD04
PZODG2LNVXT				* (CURED) Missing Documentation - EV R COMMENT: The appraisal (p.314) shows the subject is listed for sale with an active listing. Lender guidelines page 292-293 states If subject property is or has been listed for sale within the last 12 months, the following will be required: Evidence, such as a Multiple Listing Service (MLS) cancellation/expiration, indicating that the subject property is no longer listed for sale; and an explanation for why the home had been, or is currently for sale, and a statement that they intend to continue to occupy the property after refinancing. The loan file contains an explanation for the borrowers intent to continue to occupy (p.283) but is missing evidence, such as a Multiple Listing Service (MLS) cancellation/expiration, indicating that the subject property is no longer listed for sale; and an explanation for why the home had been, or is currently for sale. * (CURED) Missing Doc - EV R COMMENT: The loan file is missing evidence the flood insurance and hazard insurance are paid in full.
5VBEXFOPXWG
PH5C2NHDTGF
CXOSU3YTOSE
KPI0G3PNEUY
BGRDXRC5HOD
U12Z2DH5IRG
2UMLFYO1HKD
IXE4DHDN5YT
XKYJGU0020Y				* (CURED) Missing Doc - EV R COMMENT: The Loan Submission Schedule is not legible (p.1). Another page was scanned over it making the information not available. * (CURED) Missing Documentation - EV R COMMENT: The Financial Assessment (p.296) reflects pension/retirement income of $XXX and SS Income of $XXXfor total income of $XXX. TheXX Income is documented; however, the loan file is missing documentation to support the pension/retirement income of $XXX. Lender guidelines (p.104) states Retirement income must be verified from the former employer, or from Federal tax returns. The Financial Assessment Worksheet Addendum (p.299) states the pension was verified with a pension letter from the former employer. The loan file is missing the required documents. Without this income, the Residual Income requirements have not been met.
21XAIP2PJLJ				*** (CURED) Missing Documentation - EV R COMMENT: The Financial Assessment Worksheet (p.98) reflects pension income of XXXX and XX of XXXX for total income of $XXXX The loan file contains verification of the SS; however, is missing the verification of the pension income of $XXXX to support the total income. Lender guidelines (p.104) requires Retirement income to be verified from the former employer, or from Federal tax returns and neither are in the file. It is to be noted, the bank statement does show a retirement deposit of $XXXX (p.296); however, this is not sufficient documentation to meet guidelines.
BFJWQXUAM3O
1OAOJG53BTN				*** (CURED) Title issue - EV R COMMENT: The preliminary title (p.127) and final title policy (p.668) do not specify what the estate or interest in the land is (i.e. fee simple or leasehold)
UFPOZPX2QYX
V0GDY5ZD1DP
G5DV0VP2A3O
EKGH5E1J1E3				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T
AHS5F1R4U0C		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the February 2022 guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed onX/X/XX. The tax certificate on pageXXXof the loan file reflects a late tax payment on X/X/XXand a late tax payment on X/X/XX which is within the previous 12 months.
OKCNNOG2SVA
SDINC0Z5YQP				*** (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 136 states for Solar Leases if the lease is not paid off at closing, the liability must be included in the expense analysis and the UCC must be terminated. The Financial Assessment Worksheet does not include the lease payment in the analysis; nor does it contain proof that the account has been paid in full and the UCC filing has been released. full.
KE2XRG4YGTZ
ZFWVJ5JSO14
5LYGUGJQCQ5
L0F01SQ2AJ4
R2SHK4200E0				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing evidence the hazard insurance is paid in full. The invoice (p.460) states the balance due is $xxx.xx The final HUD (p.613) reflects a Homeowners Insurance payment of $xx.xx only.
Z4HYVPZCYLS				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T * (CURED) Missing Documentation - EV R COMMENT: The file is missing evidence xxxxx is owned free and clear. The file contains documentation of the taxes and insurance; however, no evidence it is owned free and clear.
FOACZWAT1DD
0IV102BMHVQ
DCNP4DB0FAD
GLEKLRBA2NH
LQZE3TPUEF1
COGRZIYFXQZ
NURUZSKJCRM
YPHW05TADTW
TIIMH5GYBVU
V1FD2ADR42S
JWW1DNNIQC1
U5WNUKIOJXU				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter loan assessment financial worksheet.
ITW3O12URGH				*** (CURED) Missing Documentation - EV R COMMENT: The loan file was missing the signed 4506T.
QMXGKG3QKBG
SE0ICMBPSQB
AMQSZJVMBZT
WUGBI1ASITR
SW3EXTZCW5S
F0AXMZA4HZO
WTO3IIDTJOT
OUJIU3COUZV
SE0JLZPTLRN
4FCKYZJ3K30
31Y0OSEZYBA
XR43GEFLAXG
4M2VR1H3ET5
WK32D5AHCAK
XJS3BMO2SAO				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing evidence the hazard insurance policy (p.XXX) was paid in full. * (CURED) Missing Documentation - EV R COMMENT: The appraisal photos (p.XXX) shows one of the bedrooms has no flooring and appears to be the subfloor. This was not addressed in the body of the appraisal and only stated on the sketch (p.XXX). The appraisal was not made subject to installation of flooring and the cost to repair was not provided. *** (CURED) Missing Doc - EV R COMMENT: The guidelines (p.XX) state all housing debt payments must have been paid on time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. The credit report (p.XXX) shows the mortgage last reported XX/XX/XXXX and the payoff statement (p.XX) shows interest calculated from XX/XX/XXXX, evidencing the subject is due for XX/XX/XXXX Mortgage payment history for XX/XX/XXXX thru XX/XX/XXXX is required for the most recent 24 months housing payment history to be completed.
5UEGPD4ZV3F
SPD43W3HW1V
XJB12VHSBOX
I5X5DJJ3PDS
WY0II1QA2UM				*** (CURED) Missing Documentation - EV R COMMENT: The inquiry statement (p.261) states the borrower opened a new account with ML Tab Bank and with FNB Omaha. The final loan application (p.156) reflects these accounts with balances and payments; however, the loan file is missing the statements for both accounts to verify the balances and payments being used in the analysis.
5U10N4EJS1N
BA0BQLPGXY2
UOQPFBJ3T4V
ULFBXR5AX3S
X5LYIMNKLDB				* (CURED) Missing Documentation - EV R COMMENT: The declarations on the initial application (p.4) and final application (p.27) both answered No to the question Do you intend to occupy the property as your primary residence. Per lender guidelines page 24, borrowers must be residing in the subject property as their primary residence. The loan file does not contain clarification since the occupancy certification (p.620) states the borrower currently occupies the subject. * (CURED) Missing Documentation - EV R COMMENT: The loan file contains a UCC with GoodLeap, LLC for Solar equipment that was recorded 4/15/2022 (p.477) as well as the solar contract (p.416-420) dated 11/17/22 showing they were financed; however, does not reflect the payment amount to include in debts. Lender guidelines page 136 states if the solar lease is not paid off at close, the liability must be included in the expense analysis and the UCC must be terminated. The payment was not included in the analysis and there is no evidence the UCC was terminated.
WIMK33WZFBA
G3QEOAIOV1Q
KFGQT5DZMOW
OVL3AYYANYO
CL4ZFBQCR43
XEHFPGAUA1D		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the February 2022 guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed onX/X/XX. The tax certificate on pageXXXof the loan file reflects a late tax payment on X/X/XXand a late tax payment on X/X/XX which is within the previous 12 months.
YAMUDH3HY1G
KQO5L1KM20N				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T. * (CURED) Missing Doc - EV R COMMENT: Lender guidelines page 235 states the policy must verify that the annual premium has been paid in full or the balance will be paid in full at closing. The file is missing evidence the hazard insurance policy is paid in full and does not show it paid on the final HUD (p.532).
0QKJTFLYDZO				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T
NP5NC2F0RYY				*** (CURED) Reverse Mortgage Programs - Missing - EV R COMMENT: Financial Assessment Worksheet is missing from the loan file. The Financial Assessment document signed by an underwriter is required per page 109 of the February Guideline.
XWM10R13KOT
4ZIHCYNFPFR
CLI50ZBZDZP
PCFBGRZADF4				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the underwriter loan assessment financial worksheet.
XO5DZURRYD5		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the February 2022 guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed onX/X/XX. The tax certificate on pageXXXof the loan file reflects a late tax payment on X/X/XXand a late tax payment on X/X/XX which is within the previous 12 months.
4M0PEVH3DUY				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T * (CURED) Missing Documentation - EV R COMMENT: Page 304 of the February 2022 guidelines state If property is not a PUD or Condominium, a copy of the recorded easement will be required to confirm legal access to the subject parcel. The subject is not in a PUD or Condominium and per the appraisal, is on a private road. The loan file is missing the required recorded easement.
HYGHGK4JJG4				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T
KETEMNM3ZVD
2HWD1TZ1WJC
XBB0GZLN5PU
HTQ2GIPM4JB
CMXT3YXXJA1
GQWX1T3V2H1
WBRD32RYYJ4
X4P30CZC03K
JMPGRVWTEKW
MNPPADU3FCH				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing evidence the hazard insurance is paid in full. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T *** (CURED) Income documentation does not meet guidelines - EV R COMMENT: Lender guidelines page 95 state the Obtain copies of the pay stubs covering the most recent 30 consecutive day period (if paid weekly or bi-weekly); pay stubs must cover a minimum of 28 consecutive days) that show the mortgagor’s year-to-date earnings; Obtain copies of the original IRS W-2 forms from the previous two years; and, Document current employment by telephone, sign and date the verification documentation, and note the name, title, and telephone number of the person with whom employment was verified. Re-verify employment within 10 Days prior to mortgage disbursement. Verbal re-verification of employment is acceptable. The loan file is missing the 2020 W2 for the borrower from Foundation Property Management. The file contains two copies of the 2021 W2
RDBGC4YJ5JA
2MBYUXLO1RC
OK4OVUIMSLM
ZFHOSISW4D0
GS4WB3UKW2O
V5F2SCFLUAP
JC3LBZRRYTA				*** (CURED) Missing Documentation - EV R COMMENT: The Fraud Guard (p.417-418) reflects the borrowers own a property located at xxxxxx. This property was not disclosed on the application or included in the analysis and the loan file does not contain documentation verifying it is no longer owned by the borrowers.
C5YC4KZDXZD
RCYQEB2HD1B
53CCSHMYML5
NWTMGNGWTZE
0DQIWYQW50T
Q2DDOTOBFEU				*** (CURED) Missing Documentation - EV R COMMENT: The financial assessment worksheet shows pension income but there is no documentation of the pension income found in the loan file.
0TWWRVJXACL
FBSRKQ0DM2N
QFBPQBFPNMB
3VVXKONCNZT
I0G0MBUTBFZ
ELD5XJM5DQD
TYLTDDIT2YY
CFST0IDVGH3
IE1P0DOIKPI
TVJXBIHOPX3				*** (CURED) Missing Documentation - EV R COMMENT: The HO-6 policy in the file (p.411) does not include the Mortgagee information and the file does not include evidence the policy is paid in full.
FMHBCW1AUSS
ZUHRLLQFWQI
QNKVYWMNCA1				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T * (CURED) Evidence of Title Issues - EV R COMMENT: The preliminary title (p.86) reflects a federal tax lien of XXXX in the sellers name. The loan file does not contain evidence this was satisfied or removed from title. * (CURED) Missing Documentation - EV R COMMENT: Lender guideline page 18 states The mortgagee must obtain a written Verification of Deposit (VOD) and the mortgagor’s most recent 2 month’s statements for each account. If a VOD is not obtained, statements showing the previous month’s ending balances for the most recent 2 months is required. The loan file is missing the second month complete bank statement. The file contains XXXXX #2735 ending May 1, 2022 (p.222) and only page 2 of 2 of the June 1, 2022 statement (p.224). The loan file is missing page one of the June bank statement to complete the required two months statements. * (CURED) Title issue - EV R COMMENT: The preliminary title (p.86) reflects a federal tax lien of $xxxx in the sellers name. The loan file does not contain evidence this was satisfied or removed from title.
GKEZTTJLFY2				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the final signed Financial Assessment Worksheet * (CURED) Income documentation does not meet guidelines - EV R COMMENT: Lender guidelines page 116 states Obtain copies of the pay stubs covering the most recent 30 consecutive day period (if paid weekly or bi-weekly); pay stubs must cover a minimum of 28 consecutive days) that show the mortgagor’s year-to-date earnings; Obtain copies of the original IRS W-2 forms from the previous two years; and Document current employment by telephone, sign and date the verification documentation, and note the name, title, and telephone number of the person with whom employment was verified. Re-verify employment within 10 Days prior to mortgage disbursement. Verbal re-verification of employment is acceptable. The loan file is missing the 2020 W-2 for the co-borrower as well as the Verbal VOE and 10 day re-verification. *** (CURED) Missing Doc - EV R COMMENT: The preliminary title (p.466) shows the vesting in XXXX and Gity XXXXX, as trustees of 26 Irrevocable Trust; however, the final title policy (p.978) shows vesting in the borrowers as joint tenants. The loan file does not contain a copy of the Deed removing from the Trust to individuals.
0DXCKEVOUBV
3SWLU4HNLO3
5ED2ANAQCAS
AL1YYY2QQXZ				*** (CURED) Income documentation is incomplete - EV R COMMENT: The loan was approved using $xxxx in social security income. The file did not contain documentation of income.
VGUH01PIWVO
YKC0KAZJ3AA
BFRQBCMFDAX
1Q0CR1AVKXU
USCW0OWN3X3		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the February 2022 guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed onX/X/XX. The tax certificate on pageXXXof the loan file reflects a late tax payment on X/X/XXand a late tax payment on X/X/XX which is within the previous 12 months.
RASSTEI432S				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing evidence the hazard insurance policy ending 7/19/2023 in the amount of xxxx has been paid in full. The final HUD reflects a payment of only $xxx (p.569).
BRWLZWGVYRG				*** (CURED) Final TIL Missing or Not Executed - EV R COMMENT: The loan file is missing the final TIL.
ZCVFPVFOZ5C
UWM3OGLYPIC
MZ0NGQD351A
BO214TZUXGR
3ZONKUUXIOG
I2BCJ0LPWVS
DYHX4BWRKCJ				*** (CURED) Missing Documentation - EV R COMMENT: Proof of VA/ disability benefits is missing from the loan file.
M5TYVIBKMXU
2FPLUOD3JCY
Y51NU5P4WVA
XP51E1F54WG				*** (CURED) Final Inspection - EV R COMMENT: Final Inspection on page 425 indicates by the appraiser, "per the owner, only the following repairs were required by the Lender: Garage door to open properly - done, temporary wall in garage to be removed - done, water Heater be installed to code - done, main door from garage to house to be installed to code - done. Exposed electrical and bare wood to be corrected at a later date. The appraisal was subject to the repairs completed as well as the exposed electrical in the attic and the painting of the facia board to be completed; however confirmation of these repairs is not located in the loan file.
BZGHEJBAD2J				*** (CURED) Income documentation is incomplete - EV R COMMENT: Per the Financial Assessment Worksheet (p.195) and Financial Worksheet Addendum (p.198) the borrower received pension income of $xxxx/month and Social Security of $xxxx/month for total income of $xxxx. The addendum states "Verified Pension $xxxx per bank statements and award ltr". The loan file is missing the bank statements and award letter documenting the pension income of $xxxx. Without this income, the Residual income requirement has not been met.
2E13ATAMPO3
YTF3VEJSKBK
JVRXKYNO4A1				*** (CURED) Income documentation is incomplete - EV R COMMENT: The Financial Assessment Worksheet shows asset dissipation income of $XXX,XXX/month based on Stocks and Bonds with a net value of $XXX,XXX The loan file is missing documentation to support these assets for the income utilized. The file does contain checking, savings and CD statements; however, there is not sufficient income from these alone to meet the residual income requirements.
RP0WRSFEFEY
MUP5PB3TZQS
CVBOS5D3BRR
KMLTSD3BS2M
2XABGNA5EBI				*** (CURED) Missing Documentation - EV R COMMENT: The proof of employment income is missing from the loan file.
FVCFKMAZH2A
JHVBV1SPFJA
RBE1UZ4ZDP2
CPGE2JQHDR4
4ZGPURIUESH
A25KBKRIS3I
RTI3V4KECRV
SDNSLNXNVUE				* (CURED) Evidence of Title Issues - EV R COMMENT: The preliminary title (p.178) reflects a State Tax Lien filed XX/XX/XXXX. The file does not contain evidence this was satisfied. There is a payoff statement (p.471) showing the payoff amount is $XXXX for 2010 and 2011 taxes; however, there is no evidence it was paid in the file and it was not paid off on the HUD1 Settlement Statement. * (CURED) Title issue - EV R COMMENT: The preliminary title (p.178) reflects a State Tax Lien filed XX/XX/XXXXThe file does not contain evidence this was satisfied. There is a payoff statement (p.471) showing the payoff amount is $XXXX for 2010 and 2011 taxes; however, there is no evidence it was paid in the file and it was not paid off on the HUD1 Settlement Statement.
020IHWIDUOT
1ONZMSRSUL4
NAXGOWUU0V4				*** (CURED) Missing Documentation - EV R COMMENT: Page 253 of the February 2022 guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $X,XXX,XXX The subject loan closed on 7/27/2022. The loan file is missing an AVM or secondary valuation done prior to closing as required by guidelines. A post-closing Red Bell AVM dated 8/18/2022 reflects a $X,XXX,XXX value.
5ESHGJAY41W				* (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 170 states Title Insurer must review and provide written approval for the use of the Conservator or Guardian. The loan file is missing written approval from the Title Insurer. * (CURED) Missing Documentation - EV R COMMENT: The loan file is missing a signed 4506T
RWKPAOAYL2Q		*** (OPEN) Credit history does not meet guidelines - EV 2 COMMENT: The guidelines page XX state all housing debt payments must have been paid on time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. The payoff statement (p.XX) shows the interest due on the mortgage is fromX/X/XX and the loan file does not contain a payment history for the mortgage. Additionally, the file contains an explanation (p.XX) for the subject currently being in foreclosure as well as a Notice of Trustee's Sale datedX/X/XXfor the subject property (p.XX.
2UBB3JNB52G
DWFBVI301Z1				*** (CURED) Missing Doc - EV R COMMENT: The loan file is missing a signed 4506T
EDPXPXNSE0I
TN3V2UHB4GG
1OYNPHW3GN2
NFQOUTY4QCJ				*** (CURED) Cert of Counseling - Missing - EV R COMMENT: Per the guidelines (P 35), counseling is required. The file did not contain the required certification of counseling.
T143LNF1F40
XIC04HVQT3F
ZKSZF2ERQNG
KSNWYS0ILZW
IKOQNRPUFXH
SLZ1441Q4NY
ZGSXFMYJ1TW
HNAXZIZ2RK1
BCKKG4CFOTS
ZW5O1UMY4OO
XETVWBRR4YE				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing a signed 4506T * (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 63 states If the borrower had late payments outside of the past 24-months but credit in the past 2-years meets satisfactory credit, we would not ask for explanations unless there were major derogatory accounts such as judgments, bankruptcy, open collection accounts, charge-offs, short sale or foreclosure. The loan file does not contain an explanation for the bankruptcy discharged 3/2019.
QDDKNJLYYCV
NWEBMUOCRSF
VP2O4RUXPWP
JWEJKH2ZJGA
A15Q5RQS52B
OZ04FTBQ1TF
QENMPXVBIQF
DSB3ZVXUROD
JGRO0VCI3I4				*** (CURED) Missing Documentation - EV R COMMENT: The income documentation is missing from the loan file.
KUKFGTMTIEU				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed 4506T
N50TIXEMJNU				*** (CURED) Missing Title evidence - EV R COMMENT: Page 243 of the February 2022 guidelines states that a title commitment (preliminary title report) and 24-month conveyance/deed history is required for every loan submission and must show clear and marketable title. The loan file is missing a title commitment (preliminary title report) and 24-month conveyance/deed history.
00V5YG5SBVI				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Loan Submission Schedule.
4KWEPONLGGC
OPVY0C0XBOJ
KI3QYHF0AYR
RVUKOZ4PI3Q
EOMXFAOAJDJ
BHCKBWTM3RB
VMG4D2K2HNY
WY4XRCBRWU1
5QZ52Q1PRCI
3UP3HI0QMCR
LIY5TWNB35K
ZEKKBGXJZLW
RNNRKYK1PSO
2MHMPS33W4Q
3X01LLETHOY
LVAUJF1R1FC
I3IQ1SFUDBQ
PRXRLBU2ZZD
V4UEEXVU3RT
XRYLY5WAFYE
SSWPACLDCYU
5DC305DLXE1
T5MBVOZSHHJ
0M1KVJBRQLA				* (CURED) Credit report >90 days old at closing - EV R COMMENT: The credit report in the file was dated 4/1/2022 (P 240). The loan closed 8/1/2022 making the credit report 123 days old. An updated credit report less than 120 days old was not located in the file. * (CURED) Income documentation does not meet guidelines - EV R COMMENT: The loan was qualified with SS income and $XXXX in pension income. The file did not contain required documentation for the $XXXX pension income.
JXQGSZABPBQ
2YECVLZZ0AW
11Q5UHZPUTC
0WZBXUCDZVJ
TJYN1HRGFGY				*** (CURED) Missing flood cert - EV R COMMENT: Flood cert is missing. Appraisal verifies that the loan is not in a flood zone and that no flood insurance is required.
ORM103YHRDD
V2GMSJ4KHJB
EA4YD0LMNVK
E3FIUQTSHB3
JX1AVLJKVHU
0ECHDWHVBPH				*** (CURED) Monthly Income listed on 1009 - Missing - EV R COMMENT: Income documents supporting union pension ($1,447/mo) and annuity ($353/mo) are missing from the loan file.
YOOI3SW5YEA
MUYC5PZRCDH
LOT131JP0XB
DN2OYTKOO0V
PZZIA0TGSVR
K1LKNML04NH				*** (CURED) Missing Documentation - EV R COMMENT: The subject property appraised as is for $355,000. A post-closing Red Bell AVM performed on 8/23/2022 verified the $355,000 value. Page 253 of the February 2022 guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $1,000,000. The subject loan closed on 8/5/2022. The loan file is missing a pre-closing AVM done prior to 8/5/2022.
D5UGJWYT1CI				*** (CURED) Missing Documentation - EV R COMMENT: The annual certificate of occupancy is missing from the loan file.
P4XOGPWBEWD
EWOGXK11WER
P2RJNMLS154
B5CF5EQCMZZ
OYT1H0BXIC2
5SEOQMVHVWN
04XYVRJVX2E
C3ZVRKOT0A4
F5AQSDS32HW				*** (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 79 state All HOA, Condo and PUD fees and Ground Rent for subject property must be current with no more than 3x30 arrearages in the prior 24 months. The file does not contain the PUD HOA payment history for the prior 24 months.
XDZIF22DN45
WZ00R5K3FAX				*** (CURED) Income documentation is incomplete - EV R COMMENT: The loan was approved using $XXX employment income. The file did not contain any documentation to support the income.
DHHQBTOOZRF
I5F4GR5UPFH
F1ENVF052CT
UCPJFP4ZS44
VUTXAGVCNPX
EWMNPHZYZGL
XPOEDINZRGX
V0ED0I44QOR
KNW15SUQY5S
L0P1QUTNEPR
DQKGX0RC4BM
OMYOINC2CRK
EX302FHLFO5
OGWZCLOIXL2
ZAMLBIORFVZ
YTJJ045G0TC
VJEB3E1FTRZ
U3W3DW4MMPM
I5IKOILMQEZ
WPZR4JZH4PJ				*** (CURED) Income documentation does not meet guidelines - EV R COMMENT: The loan was approved with $XXX in pension income. The file did not contain documentation to support the income.
JOWYJLJ3LJM
31Q5RIWXM45
PP2CFKZP0OP
T0DZ2U5X0XH
SRBUJOH0ETJ
VSAMKRNRNOV
N5X1MXW3V22
RCQL5FEOYZ4
GWSH4FOKS4M
TXU1TNTA32O
2FBXOT4EA2O				* (CURED) Missing Doc - EV R COMMENT: The Counseling Certificate in the file is incomplete. It is not signed by the Agent, UTD company or Agent name, or if the certificate was fully executed prior to closing. * (CURED) Missing Documentation - EV R COMMENT: The borrower receives monthly income from church as a pastor, the loan file write up indicated income was validated per 1040's. The 1040's were not in the loan file.
Q5KHEVHHJMP
WFH3PJGQMQH				*** (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 280 requires an HOA Questionnaire dated within 120 days of underwriting, Current year's budget dated within 90 days of condo approval review, Current balance sheet dated within 90 days of condo approval review to support adequacy of budget. All of these items are missing from the loan file. It is to be noted, per the condo approval (p.344) it appears these items were obtained and reviewed.
OUR23KREFC2
144XEL5UOF0
5VN3ACYGHYX
GWIZIRRHHQ1
TSWCHM2HXPE
SO3X2D3OP0K				*** (CURED) Missing Documentation - EV R COMMENT: Missing the VOM or payment history on the current 2nd lien with xxxxx
CJIITY25DIQ				* (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 239 require the HOA master/blanket property insurance equal to 100% of current replacement cost and $1 million in liability protection for bodily injury and damages. The loan file is missing the HOA master policy and liability insurance policy. * (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page 272 states Reverse Mortgage Funding LLC will only lend on condominiums from FHA Fannie Mae or RMF approved projects. The loan file is missing evidence the subject is an FHA, Fannie Mae or RMF approved project. *** (CURED) Missing Doc - EV R COMMENT: The AVM (p.912) reflects the property as xxxxxx, whereas, the subject is xxx. The loan file is missing the required AVM for the subject property.
EDZXMTOSX55
4JUZJFZOMXG
TEEZHKYHFQ5
I313MAETDMG
4ABSJFTVFSW
NHGFV2NDXF2
P4PNBD4Q4AW
EYCNBGY1HGO
0EVBPOJ43QH
WZV1G1RXLKR
2IBPEL1QLKQ
AVJOCXCJA4U
YPXVAP42KOQ
RMDQLO21430
NGPXZZFMK1Q
242DTLDBYI2
0JFYK25HISB				*** (CURED) Missing Documentation - EV R COMMENT: Page 22 of the guidelines states that the sale of personal property is an acceptable source of funds with a 3rd party estimate of value, proof of ownership, copy of the bill of sale and paper trail funds from buyer to borrower (check or wire). If mortgagors receive more than the estimate, only the estimated amount may be included. A cash sale is not acceptable. The loan application on page 138 of the loan file reflects the sale of the borrower's departing residence. The loan file is missing proof of sale of the departing residence at xxxxxxxx.
KC0FKVCC2RX
ETZSSRHRJKR
SWSOEH1PXXO
4EGXEVJNQBX
0C3KJIKPWVB
Q1FNXNPWUJU
LAIU3I1W4JK
ZOKEA530JFY
APNFBF50BBA
0T5A5PENHGN
OVEFZABCW2U
NMHDT555TPJ
ICN5OANHO5P
PJFQHX5ZDGM
ZUTN30XHLCB
ZE3NQRMJHEJ
HQVNC4LVVTE
11MBCE43HX1
HK5OTILRJE3
0M5WWREKOO2
QC1EQQEY3UO
TBPN1B0ZIIU
SPOJTXQQAH1				* (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: The subject property appraised as is for $310K. The $265K Vero Value AVM on page 327 of the loan file reflects an 88 confidence score when a minimum confidence score of 90 is required. The loan file is missing a third party valuation product to support the appraised value within a 10% tolerance or the confidence value must be within 10% per FITCH requirements. * (CURED) Value Not Supported: AVM Confidence Score does not meet FITCH requirement - EV R COMMENT: The subject property appraised as is for $310K. The $265K Vero Value AVM on page 327 of the loan file reflects as 14% variance in value and an 88 confidence score when a minimum confidence score of 90 is required. The loan file is missing a third party valuation product to support the appraised value within a 10% tolerance and a 90% confidence factor. *** (CURED) Pre-closing AVM does not support value at origination - EV R COMMENT: The subject property appraised as is for $310K. The $265K Vero Value AVM on page 327 of the loan file reflects as 14% variance in value and an 88 confidence score when a minimum confidence score of 90 is required. The loan file is missing a third party valuation product to support the appraised value within a 10% tolerance and a 90% confidence factor.
Z1KGPYBDVUT
QZ2LEBGXRYP				*** (CURED) Amount of title insurance is less than mortgage amount - EV R COMMENT: The preliminary title does not reflect a policy amount and the loan file is missing a title supplement or final title policy to verify coverage is sufficient.
QHN1EVDSJ04				* (CURED) Evidence of Title Issues - EV R COMMENT: The preliminary title (p.241) states there is a lien for unsecured property taxes in the amount of $284.64 for year 2021-2022 and evidence of satisfaction or release is required. The loan file is missing evidence of the satisfaction or release of the cited lien. * (CURED) Title issue - EV R COMMENT: The preliminary title (p.241) states there is a lien for unsecured property taxes in the amount of $284.64 for year 2021-2022 and evidence of satisfaction or release is required. The loan file is missing evidence of the satisfaction or release of the cited lien.
OGEAHX1BGJM
GSDS5W2KXBR				*** (CURED) Missing Documentation - EV R COMMENT: The loan file contains the Wire Summary for the source of funds for the deposit on 8/9/2022 for $XXX,XXX (p.647); however, is missing the HUD1 Settlement Statement for the sale of the property located at XXXX, XXXXX to confirm the sale and verify the escrow amount received.
VZVS21NDQ35
UXWLJITLVQS
2KAY2IIKXRV
WR5X5SDGOKH
JILNEGMKR52
HIDO2Y0KA50
P0ERHY4GBQF
E2PCRTATY4J
BTG3KLALFLX
LTPFIJN1VXI
MLQ41NCTZRZ
XPBKTC5MCZB
UJECDEJM0RZ
MDACJCF20LO
W0I00V3EN4M
21NAKNDI2VR
TYV1LUJVWLH
KFQY3KCCSP0
JETI1BSRILA				*** (CURED) Missing Documentation - EV R COMMENT: Per the Fraud Guard (p.305) the borrower owns the property located at XXXXX XX; however, the loan application (p.126) states it is sold. The loan file does not contain the HUD1 Settlement Statement to confirm the property has been sold.
3OCWCG2BFTE
3ABGD23FGB4
SK0WE5KPGXR
RHOLQ41DSMC				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Loan Submission Schedule.
Q0LE10LKVQN
J1JX5XC245N
ELSN1JXFZ4N
UNZYFCGJQU5
3LAFP0CNUG5
5ENAMGWPWTF
TZE1RNSKK0W
QJY505KEKAN
EAIWJCSVB25
REM1XJV0204
3EQO2QXXOEU
CTTBROCDKDB				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Financial Assessment Worksheet for the loan file.
NQDMZRJN1ZT				*** (CURED) Missing Documentation - EV R COMMENT: The Loan Submission Schedule is missing from the loan file.
5AVOM1VI13H
KAJMXGCAJ1O
LIZXB4JAQXG				*** (CURED) Missing Documentation - EV R COMMENT: The Fraud Report (p.XXX) reflects a property located at XXXX owned by XXX XXX that was not disclosed on the loan application and the loan file is missing documentation to verify the property is no longer owned as it was not included in the analysis.
WAB40H4LCKJ				*** (CURED) Missing Documentation - EV R COMMENT: The fraud report (p.XXX) states there is an HOA associated with the subject, XXXX XXXX XXXX, Inc. with an HOA ranging from $XXX-$XXXX. The appraisal states the Neighborhood is Imperial Point; however, shows an HOA fee of X. The loan file is missing clarification for the discrepancy and verification of whether there is an HOA fee that needs to be included in the analysis.
UULXRN4E024
05NSY1MV5IA
3WB4RVDY4OJ
IC5JVFYS1SL				*** (CURED) Missing Documentation - EV R COMMENT: The bank statements to show proof of the asset dissipation income is missing from the loan file. The income is necessary to meet residual income requirements.
P3QCFZOBTGS
KIDWZJJWMN1
2H5IDHVTST0
ZRHN2CMLDMM
LQ0OB30CZQT				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the signed XXX XXX Worksheet * (CURED) Missing flood cert - EV R COMMENT: The loan file is missing the Flood Certification.
5FWTPKDC2CH
QXQ0SHIOBN3
EBDOZR3V5LF
EZ2Z4542PWI
RUOSPSH3KJE
G5TXJEOSVPS
RSEMRLCHLPB
032ITLMO4MK
IPSUMOI1OKV
TILR55ER03M		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the XX guidelines states that the mortgagor must provide a letter of explanation, which is supported by documentation, for each outstanding non-medical charge off account in the last 24 months. (Medical charges-offs do not require an explanation.) The explanation and supporting documentation must be consistent with other credit information in the file. The subject loan closed on X/X/XX. The credit report on page XX reflects a Discover charge off on X/XX and a XXXX Card charge off on X/XX, within the previous 24 months.
BNDFSHP3NBK		*** (OPEN) Credit score does not meet guidelines - EV 2 COMMENT: Page XXof the XX 2022 guidelines states that if one or more borrowers have a credit score below XXX, or lacks a score, but at least one borrower has a score of XXX or higher, a PCSA may not be required at Underwriting discretion. Approval is subject to Underwriting Manager, XX Lead or UW Channel Lead approval. The borrower has aXXXX credit score and the co-borrower has a XXXcredit score.
SKOEQTPA0JL
2RWTH1AWUN2				*** (CURED) Missing Documentation - EV R COMMENT: All the pages to the AVM with Vero are missing form the loan file. Only page one was provided.
WWWOXCXGFAG
40WJJTFGE1L
5PHFE55QUQM
4L2GCHUYRR5
I3LEOWETO2Q				*** (CURED) Missing Documentation - EV R COMMENT: The property tax statement is missing from the loan file.
HDICAHBJAON
KKO4VT2AIW4
24GKZ2WB23N
CGBPNOOJUEY		*** (OPEN) Mortgage/Rental lates exceed guidelines - EV 2 COMMENT: Lender guidelines page XX states All housing debt payments must have been paid on on-time for the previous 12 months and no more than two 30-day late mortgage or rent payments in the previous 24 months. Delinquencies outside this guideline may be eligible with a PCSA or documentation of extenuating circumstance at Underwriter discretion. Per the credit report (p.XX) the borrowers mortgage wasXXX and XXin the prior 24 months (XX\XXXX and XX/XXXX).		* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Loan Submission Schedule. * (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page XX states Date of Birth Verification must be verified for all borrowers and an acceptable form is a Copy of current Driver's License (not expired). The co-borrower's driver's license (p.XXXX) expired XX/XX/XXXX, which is prior to the Note dated XX/XX/XXXX. The file is missing an unexpired verification of DOB for the co-borrower. *** (CURED) Income documentation is incomplete - EV R COMMENT: Lender guidelines page XX states For XXX disability benefits, the mortgagee must obtain from the mortgagor a copy of the veteran’s last Benefits Letter showing the amount of the assistance, and one of the following documents: Federal Tax Returns; or The most recent bank statement evidencing receipt of income from the VA. The loan file contains the most recent bank statement evidencing the XX Benefit direct deposit of $XXX (p.XX); however, the file is missing the Benefits Letter identified on the Financial Assessment for XX Disability Benefit of $XXXX per the Financial Assessment Worksheet (p.XXX)
1TOLURXEOZU
CEI01RPGLQG
DFQHK0G4B43
JRBZEWS1UH2
K5E34XTA2K3				*** (CURED) Income documentation is incomplete - EV R COMMENT: Per the application and Loan Submission Form, the borrower was qualified with XXX XXX,XXX and Checking/Savings income. The file did not contain documentation of $XXXX from checking/savings used for asset dissipation.
QANVHZO4E5H
LEFBRS5QKM0
35KKZBH3YTI
XWBUEOPNAT1
TLF5QTBIQH2
ET1M0GR2S5E
K0IZAOWJLNA
NPVUAHOQEIW
DQNSRYQP1X5				* (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the final HUD1 Settlement Statement for the sale of the departure residence verifying the net proceeds of $XXXXX(p.XX) of which the attorney held $XXXXX (p.XXX) and the borrower deposited $XXXXX (p.XX) * (CURED) Missing Documentation - EV R COMMENT: Per the XX Worksheet, the borrower had $ XXXXXXX in proceeds from the sale of previous home. The closing agent retained $XXXXXX of the funds to apply to subject closing. The remaining assets of $XXXXXX were deposited in the Anderson Bros account on XX/XX/XXXX. These funds were then withdrawn on XX/XX/XXXX and the account has a XX balance, pageXXX The funds used for the asset dissipation of $XX,XXX are not verified in the loan file. The subject loan closed XX/XX/XXXX
WX4VRPFFO4U
T0BUXUA3L5O		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XXof the XX guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed on X/X/XX. The tax certificate on page XXof the loan file reflects a late tax payment on X/X/XX, which is within the previous XX months.
NRLAYKRPES0			*** (OPEN) Credit report >90 days old at closing - EV 1 COMMENT: Per the XXX guidelines found on pageXX, the credit report cannot be more than 120 days at the time of closing. The loan closed on XX/XX/XXXX and the credit report is dated XX/;XX/XXXX making it 110 days old at the time of closing and within guidelines.	* (CURED) Missing Documentation - EV R COMMENT: The loan submission schedule is missing from the loan file. * (CURED) Missing Doc - EV R COMMENT: The borrower is self employed and the loan is missing the 2 years tax returns to assess income. The 4506 C is also missing from the loan file as required for self employed individuals.
HSJSOZOWVPH
HCBLACGXDLO				*** (CURED) Missing Documentation - EV R COMMENT: Lender guidelines page XX states All reverse mortgage applications must include an alternate contact person. The information for the alternate contact should be completed on the loan application (XX). The contact person’s name, complete address, phone #, and relationship to borrower are required. The initial application (pX) and final application (p.XX) are both left blank in the Alternative Contact Person section.
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KMR2MXISZ32
TI1PTZKKW2L				* (CURED) Missing Documentation - EV R COMMENT: The file is missing the XX Worksheet. * (CURED) Credit history does not meet guidelines - EV R COMMENT: The qualifying credit score was XXX. The credit report reflected XX derogatory tradelines with charge off and collection accounts and title shows potential foreclosure in XX/XXXX on the subject. Per guidelines any score below XXX requires approval by Underwriting Manager, CHD Lead or UW Channel Lead approval which is not located in the loan file. *** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the VOM for the previous 12 months for the mortgage paid at closing, XXX XXXX. Per title and payoff letter it appears XXXXXXXXXX
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XWSRLE3L5P3
XBUMTLEYSXF		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XXof theXX guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within previous the 12 months and a maximum 2 x 30 lates within the last 12-24 months as documented through written statements or on-line printouts from the taxing authorities, or through copies of bills and canceled checks. The tax certificate on pageXX of the loan file reflects Xdelinquent tax payment for X/X/XX which is within the previous 12 months of the X/X/XX closing date.		* (CURED) Missing Documentation - EV R COMMENT: The appraisal (p.761) does not reflect address the solar panels; however, the photo clearly shows solar panels on the subject roof (p.774). The loan file contains aa Solar invoice dated 1/20/2016 showing financing in the amount of $XX,XXX. This is not reported on the credit report and the loan file does not contain anything showing this financing has been paid in full or what the monthly payment is to include in the analysis. * (OPEN) Income documentation is incomplete - EV 3 COMMENT: The Financial Assessment Worksheet reflects pension/retirement income of $XXXX/month and SS Income of $XXXX/month for total income of $XXXX. The SS Income is documented; however, the loan file is missing documentation to support the pension income. Lender guidelines page 104 states Retirement income must be verified from the former employer, or from Federal tax returns.
EJ3PWUUTDH4				*** (CURED) Title issue - EV R COMMENT: Lender guidelines page 136 state the UCC must be terminated for a Solar Lease. Additionally, the preliminary title (p.183) required a termination of contract for the solar energy system. The loan file does not contain the required UCC Termination for the Solar Contract.
PRPK35APW2C
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22MV3R1C0ZU
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VUAQM2Z0OOH
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D2OPSDMBRZT		* (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page XX of the XX guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The tax certificate on page XX of the loan file reflects late tax payments on X/X/XX and X/X/XX, which is within 12 months of the X/X/XX subject closing date. * (OPEN) Residual income does not meet guidelines - EV 2 COMMENT: The residual income of $XXX does not meet the residual requirement of $XXX monthly, without the use of HECM proceeds.
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DJ4ZMLF2F1V
EODBEZNDNAK
TVFZDL3EVSC				* (CURED) Missing Documentation - EV R COMMENT: The property tax certificate is missing from the loan file. * (CURED) Missing Doc - EV R COMMENT: The final deed transferring the property to the borrowers name was not located in the loan file.
DZGGKJ5AHF4
O2RNRMBWA02
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24JEBBXEK2S
I1L5VA32TVO				*** (CURED) Title issue - EV R COMMENT: The preliminary title (p.367) shows a state tax lien in the amount of $2,400.14 recorded 11/6/2020. The loan file is missing evidence this has been satisfied.
MEB0P4MUPLD
FOAOPACIKYO
GLD4YPWSXKR				* (CURED) Cert of Counseling - Missing - EV R COMMENT: The credit counseling in the loan file (p.127) shows the Certification expiration date of 9/10/2022 which is prior to the Note date of 9/14/2022. The loan file does not contain an updated credit counseling certificate. * (CURED) Missing Documentation - EV R COMMENT: The final loan application (p.33) states the borrower owns a property at XXXX XX XX with no mortgage listed. The loan file contains a written explanation from the borrower stating the HOA for this property is $XXX/year, the HOI is included in the subject HOI and a screenshot of the annual taxes. The loan file is missing documentation to verify the property is owned free and clear, documentation to verify the HOA payment and documentation to verify the HOI is included in the subject HOI as the subject HOI policy does not address the pole barn that is situated on Loab Rd per the borrower letter. Audit used HOA figure and tax screenshot from the explanation to include in the analysis. * (CURED) Missing Documentation - EV R COMMENT: The second appraisal (p.658) reflects the subject as Tenant Occupied; however, the first appraisal (p.609) reflects the subject as Owner Occupied. Additionally, the first appraisal reflects the GLA as 8464 and the second appraisal shows the GLA as 8805 and the first appraisal reflects 9 bedrooms and 7 bathrooms; while the second appraisal reflects 10 bedrooms and 8.1 bathrooms on the grid, but the sketch shows 10 bedrooms and 9 bathrooms (2 on first floor, 4 on second floor, 3 on third floor). Moreover, the first appraisal states there are seven baths above ground level and two in the basement; however, the sketches (p.630-631) reflect two baths on the first floor, four baths on the second floor and three baths on the third floor for a total of nine above ground level baths and two in the basement. Sketch and grid does not match. The loan file does not contain clarification for the discrepancies. * (CURED) Income documentation is incomplete - EV R COMMENT: Per the loan application and Financial Assessment worksheet, the borrower was qualified with employment income of XXXX, Social Security income of $XXXX, Schedule C loss of $XXXand Creative RE loss of $-XXXfor total qualifying income of $XXXX The loan file does contain the proper documentation to verify the social security income. According to the paystubs provided, the borrower earns only commission income from the employment (p.580-581, 590-593). Lender guidelines page 98 for Commission Income states: For commission income, less than or equal to 25 percent of the total earnings, use traditional or alternative employment documentation. • For commission income greater than 25 percent of total earnings, the mortgagee must obtain signed tax returns including all applicable schedules, for the last two years. o In lieu of signed tax returns from the borrower, the mortgagee may obtain a signed IRS Form 4506, Request for Copy of Tax Return, IRS Form 4506-T, Request for Transcript of Tax Return, or IRS Form 8821, Tax Information Authorization, and tax transcripts directly from the IRS. • The mortgagee must calculate effective income for commission by using the lesser of (a) the average net commission income earned over the previous two years, or the length of time commission income has been earned if less than two years; or (b) the average net commission income earned over the previous one year. The mortgagee must calculate net commission income by subtracting the unreimbursed business expenses from the gross commission income. • The mortgagee must reduce the effective income by the amount of any unreimbursed employee business expenses, as shown on the mortgagor’s Schedule A. The loan file contains only paystubs and 2020 and 2021 W2's from Broker Solutions, Inc. As the commission income is greater than 25% of the borrowers total income, two years tax returns are required and are missing from the loan file. Audit calculated averaging the W2's and paystub and audit commission income is $9,500.74. Additionally, Self Employment must also be documented with two years tax returns (and transcripts to support) per lender guidelines page 101. Without the tax returns, audit is unable to verify the Schedule C loss of $-636.50 and Creative RE loss of $-668.58.
HWSU0IN4RDO
W35PDKNM5FQ				*** (CURED) Missing Documentation - EV R COMMENT: The subject property appraised as is for $2,100,000. The maximum claim value is $2,000,000 per the loan submission form on page 1 of the loan file. Page 253 of the February 2022 guidelines states that one appraisal and a Valuation Risk Review (VRR) or Appraisal Risk Review (ARR) are required for property values estimated between $1,500,001 - $2,000,000. A Vero Value AVM is on page 461 of the loan file. The loan file is missing a Valuation Risk Review (VRR) or Appraisal Risk Review (ARR).
Q33UH22MPTL
LU2EF0BKU5I				* (CURED) Income documentation is incomplete - EV R COMMENT: The Financial Assessment worksheet (p.159) reflects, in addition to the Social Security income, there is Asset Dissipation income of $XXX /month based on an XXXX #XXX per the final loan application (p.145). The loan file is missing the bank statements to support this income. Without this income, the Residual Income requirement will not be met. * (CURED) Title holder is not an individual - EV R COMMENT: Lender guidelines page 234 state The trust must be reviewed and approved by the Title Company issuing title insurance on the loan. If the trust is acceptable and full title insurance without exceptions for the trust or trustees is granted, the Title Company will issue a special title endorsement that is commonly referred to as the Trust Mortgage Endorsement. The loan file is missing evidence the Trust was approved by the Title Company.
3WD05P2DMZI
15XFVQRKY23
NJNQ5PWZWOK				*** (CURED) Missing Documentation - EV R COMMENT: Per lender guidelines page 253 for an appraised value of $2,000,001+ 2 appraisals are needed; however, if an appraised value of $2,000,000 or less is sufficient to meet the borrowers principal limit needs then just 1 appraisal and 1 VRR or ARR. The Loan Submission Schedule shows the appraised value used was $2,100,000 so two appraisals are needed. The loan file contains one appraisal completed as is with a value of $2,120,000 and an ARR with a value of $2,065,000; however, is missing the second appraisal with the appraised value of $2,100,000 as shown on the Loan Submission Schedule. Additionally, there are repairs that are needed and a Repair Set Aside was held in the amount of $5,000; however, those repairs were not called for on the appraisal in the loan file.
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OOTBZWHJD0R
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3SEYW1EEGO1
0S44QEHS2XF
LNE3Q2RC4FX				*** (CURED) Missing Documentation - EV R COMMENT: The loan file is missing the Underwriter Financial Assessment Worksheet.
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JWE4ZONJWAN
EYDLBK0QD0V
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FLFNTKU0Z5P
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UAVI1PHYB2K				*** (CURED) Missing Documentation - EV R COMMENT: The proof of social security income for the Co-borrower is missing from the loan file.
OQYSTI0YXFE		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page Xof the XXX guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed on X/X/XX The real estate tax report on page X of the loan file reflects a late tax payment on X/X/XX which is within the previous 12 months of the subject transaction.
5XOCXGVSTAI
2NGQ2EO5JT4		*** (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page X of the X guidelines states that all housing debt payments must have been paid on on-time for the previous 12 months. The subject loan closed on X/X/XX. The credit report on page X of the loan file reflects a late mortgage payment on X/XX
UPSEEL0Q42U
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1DSK3MKSRIE
DTK42ZHXSEV
HCO4SDDQM3L
SQ2YZBFQPER				*** (CURED) Notice of Servicing Transfer missing or unexecuted - EV R COMMENT: The loan file is missing the notice of servicing transfer.
HSBHYFXTD5I
5UOORDTNBSJ				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
WT0JXSOZV2M				* (CURED) Maximum Claim Amount: - Missing - EV R COMMENT: The loan file was missing documentation to support the maximum claim amount and Lending Value $1,600,000. The 1004 in the loan file, page 256, and RedBell VRR, page 410, documented a value of $1,550,000. * (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
ZXZT31ROSBF				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
Q0L3ZPRDEOT	*** (OPEN) Appraised value not supported. Form Type and CU Score - EV 3 COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance. he Vero Value AVM on page 598 of the loan file reflects a $X,XXX,XXX value which is XX% less than the appraised value. The appraised value of the subject property is not supported.
FYLPGL5CD3C				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
3EFDVFMKKHA				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
FXZQ2WSBD31				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
FDU04NCQBDT				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
EFTKM5MA2BV				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
1XLMTHZUV0P				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
OODAY5JILE2				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
1TBF1F4DZEK				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
SQB4KVATE2B				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
RCXGM2ZTOK4				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
Q30MLSR1KU1				*** (CURED) Appraised value not supported. Form Type and CU Score - EV R COMMENT: Third Party Desk review does not support the Appraisal Value within 10% tolerance.
12OQYKIXL3U
DM2ODEBRUQP		* (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page X of the X guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed on X/X/XX. The tax certificate on page X of the loan file reflects a late tax payment on X/X/XX, which is within the previous 12 months. * (OPEN) Residual income does not meet guidelines - EV 2 COMMENT: The residual income of $530.05, does not meet the residual requirement of $589 monthly, without the use of HECM proceeds.
LX2WPPY0OOL
WGBQATR1EPH
3ME2DMHZGRH
NCQQ1ZL0ZTD		* (OPEN) Loan does not conform to program guidelines - EV 2 COMMENT: Page X of the XX guidelines states that all property taxes for the subject property and other real estate owned must be current and there are no late payments within the previous 12 months. The subject loan closed onX/X/XX The tax certificate on page X of the loan file reflects a late tax payment on X/X/XX and a late tax payment onX/X/XX, which is within the previous 12 months of the closing date. * (OPEN) Residual income does not meet guidelines - EV 2 COMMENT: The residual income of $XXX.XX does not meet the residual requirement of $XXX monthly, without the use of HECM proceeds.		* (CURED) Post-closing Desk Review does not support value at origination - EV R COMMENT: The subject property appraised as is for $XXX,XXX Page XXX of the XXX guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $XXXXXXX. The Vero Value AVM on page XXX reflects a $XXXXXX value which is XX.XX% less than the appraised value. The Red Bell AVM on page XX reflects a $XXXX,XXX value which is XX.XXX% less than the appraised value. The post-origination RedBell value is $XXX,XXX which is XX.XX% less than the appraised value. * (CURED) Pre-closing Desk Review does not support value at origination - EV R COMMENT: The subject property appraised as is for $XXX,XXX. Page XXX of the XXXXXX guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $X,XXX,XXX The Vero Value AVM on page XX reflects a $XXX,XXX value which is XX.XX% less than the appraised value. The Red Bell AVM on page XXX reflects a $XXX,XXX value which is XX.XX% less than the appraised value. The appraised value of the subject property was not supported.
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