Exhibit 99.8

Exception Level

Run Date - 1/25/2023

Recovco Loan ID	Loan # 1	Loan # 2	Exception Category	Exception Sub-Category	Exception Status	Exception Grade	Loan Exception ID	Exception
UQL4MDSBC40	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Good Faith Estimate missing or unexecuted
5ESHGJAY41W	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
5ESHGJAY41W	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
Z4HYVPZCYLS	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
Z4HYVPZCYLS	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
ASTG15UPIOR	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Credit report incomplete
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Mortgage missing / unexecuted
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Residual income does not meet guidelines
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Note is missing or unexecuted
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Notice of Servicing Transfer missing or unexecuted
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Other Disclosures	Resolved	Resolved	XXXXX	Final Application is missing
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Right of Rescission missing or unexecuted
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing Title evidence
PFEVOVGA1J3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
G5G0G22TOI0	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Backround
X5LYIMNKLDB	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
X5LYIMNKLDB	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
RWKPAOAYL2Q	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Credit history does not meet guidelines
K2IKYBH5FMB	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
N50TIXEMJNU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing Title evidence
VYUMJCE35EE	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
YRWACARML0N	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
KQO5L1KM20N	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
KQO5L1KM20N	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
0QKJTFLYDZO	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
GLD4YPWSXKR	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
GLD4YPWSXKR	XXXXX	XXXXX	Reverse Mortgage	Other Disclosures	Resolved	Resolved	XXXXX	Cert of Counseling - Missing
GLD4YPWSXKR	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
GLD4YPWSXKR	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
DWFBVI301Z1	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
YBV5JA5EW3N	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
YBV5JA5EW3N	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
HQQ0FFQQDSF	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
V2MIDV133ZQ	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Transmittal (1008) is Missing
5WQDX3TJ2AT	XXXXX	XXXXX	Credit	Credit Documents	Resolved	Resolved	XXXXX	Validation of primary residence - Missing
21XAIP2PJLJ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
4M0PEVH3DUY	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
4M0PEVH3DUY	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
KUKFGTMTIEU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
TQ5YUQPALOV	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
0M1KVJBRQLA	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
0M1KVJBRQLA	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Credit report >90 days old at closing
1OAOJG53BTN	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
TOEKGY4TTMW	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
B0MPWIMDDC5	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
B0MPWIMDDC5	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
3ZOPVFWXR4O	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing Title evidence
WQCCXUOKGHR	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Notice of Servicing Transfer missing or unexecuted
L05N3S2JKI0	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
CLPHTHWX0OR	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XEHFPGAUA1D	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
LIZXB4JAQXG	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
LQ0OB30CZQT	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
LQ0OB30CZQT	XXXXX	XXXXX	Valuation	Doc Issue	Resolved	Resolved	XXXXX	Missing flood cert
U5WNUKIOJXU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
TJYN1HRGFGY	XXXXX	XXXXX	Valuation	Doc Issue	Resolved	Resolved	XXXXX	Missing flood cert
S5OU1ANVYJ4	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
ZZW4NHIOXSC	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
ZZW4NHIOXSC	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
PRUKAKMFSXI	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
HYGHGK4JJG4	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
LNE3Q2RC4FX	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
MNPPADU3FCH	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
MNPPADU3FCH	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
MNPPADU3FCH	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
NJNQ5PWZWOK	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
2XABGNA5EBI	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
NRLAYKRPES0	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
NRLAYKRPES0	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
GKEZTTJLFY2	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
GKEZTTJLFY2	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
GKEZTTJLFY2	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
PCFBGRZADF4	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
NP5NC2F0RYY	XXXXX	XXXXX	Reverse Mortgage	Other Disclosures	Resolved	Resolved	XXXXX	Reverse Mortgage Programs - Missing
NFQOUTY4QCJ	XXXXX	XXXXX	Reverse Mortgage	Other Disclosures	Resolved	Resolved	XXXXX	Cert of Counseling - Missing
EKGH5E1J1E3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
ITW3O12URGH	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
QNKVYWMNCA1	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
QNKVYWMNCA1	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
QNKVYWMNCA1	XXXXX	XXXXX	Servicing	Servicing Review	Resolved	Resolved	XXXXX	Evidence of Title Issues
QNKVYWMNCA1	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
00V5YG5SBVI	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
HCBLACGXDLO	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
SO3X2D3OP0K	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XETVWBRR4YE	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
XETVWBRR4YE	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
K1LKNML04NH	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
WAB40H4LCKJ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
GSDS5W2KXBR	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
TI1PTZKKW2L	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Credit history does not meet guidelines
TI1PTZKKW2L	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
TI1PTZKKW2L	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
CJIITY25DIQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
CJIITY25DIQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
CJIITY25DIQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
CTTBROCDKDB	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
I1L5VA32TVO	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
DQNSRYQP1X5	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
DQNSRYQP1X5	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
QZ2LEBGXRYP	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Amount of title insurance is less than mortgage am
SQ2YZBFQPER	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Notice of Servicing Transfer missing or unexecuted
EJ3PWUUTDH4	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
W35PDKNM5FQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
W35PDKNM5FQ	XXXXX	XXXXX	Valuation	VW	Resolved	Resolved	XXXXX	AVM Confidence Score does not meet FITCH requiremt
XP51E1F54WG	XXXXX	XXXXX	Credit	Appraisal	Resolved	Resolved	XXXXX	Appraisal
2FBXOT4EA2O	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
2FBXOT4EA2O	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
JVRXKYNO4A1	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
JC3LBZRRYTA	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
OEI4JFT5OSN	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
PZODG2LNVXT	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
PZODG2LNVXT	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
I3LEOWETO2Q	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
WPZR4JZH4PJ	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
0ECHDWHVBPH	XXXXX	XXXXX	Credit	Credit Documents	Resolved	Resolved	XXXXX	Monthly Income listed on 1009 - Missing
RMBIPEZB3RD	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Appraisal is 4 months after Note Date
CGBPNOOJUEY	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
CGBPNOOJUEY	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
CGBPNOOJUEY	3287677	72522039315	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Mortgage/Rental lates exceed guidelines
CGBPNOOJUEY	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
OL4MTY3GZPR	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
SOUUS1UDXQU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
LGOMIFTFX22	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
0KDJ3DOJEYK	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
1KMD0QAWLWM	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Mortgage missing / unexecuted
1KMD0QAWLWM	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Right of Rescission missing or unexecuted
1KMD0QAWLWM	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Condo / PUD rider Missing
1KMD0QAWLWM	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Note is missing or unexecuted
CSMBK4EF5PE	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
CSMBK4EF5PE	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
CSMBK4EF5PE	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
WY0II1QA2UM	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XKYJGU0020Y	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XKYJGU0020Y	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
BTPSH25G4LV	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
SP3R5VGSVLQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
F5AQSDS32HW	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
SDINC0Z5YQP	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
MBM2USBC0UZ	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Asset
MBM2USBC0UZ	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Income documentation does not meet guidelines
MBM2USBC0UZ	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Credit score not provided
MBM2USBC0UZ	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Credit report incomplete
AFGUIW2212A	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
AFGUIW2212A	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
2FERUIVGO1K	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
AHS5F1R4U0C	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
TVJXBIHOPX3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
OTETXY4C0KQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
OTETXY4C0KQ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
GZINQAWZQT3	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing credit report
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Good Faith Estimate missing or unexecuted
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Right of Rescission missing or unexecuted
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing Title evidence
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	HUD-1 Closing Statement missing or unsigned
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Missing proof of hazard insurance
W2UIVANB4AU	XXXXX	XXXXX	Valuation	Doc Issue	Resolved	Resolved	XXXXX	Missing Appraisal
W2UIVANB4AU	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Credit history does not meet guidelines
W2UIVANB4AU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Application Missing
W2UIVANB4AU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
W2UIVANB4AU	XXXXX	XXXXX	Valuation	Doc Issue	Resolved	Resolved	XXXXX	Missing flood cert
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Mortgage missing / unexecuted
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Final TIL Missing or Not Executed
W2UIVANB4AU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
W2UIVANB4AU	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Notice of Servicing Transfer missing or unexecuted
5CWQJZI4V3M	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
NQDMZRJN1ZT	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
D5UGJWYT1CI	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
WCUVZLW3Z5D	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
Q2DDOTOBFEU	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
RHOLQ41DSMC	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
WFH3PJGQMQH	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
0ZMQLHWOFTT	XXXXX	XXXXX	Credit	Guidelines	Resolved	Resolved	XXXXX	Asset
XJS3BMO2SAO	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
XJS3BMO2SAO	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XJS3BMO2SAO	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
2RWTH1AWUN2	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
SDNSLNXNVUE	XXXXX	XXXXX	Servicing	Servicing Review	Resolved	Resolved	XXXXX	Evidence of Title Issues
SDNSLNXNVUE	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
R2SHK4200E0	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
XO5DZURRYD5	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Mortgage/Rental lates exceed guidelines
XO5DZURRYD5	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
RASSTEI432S	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
NAXGOWUU0V4	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
BZGHEJBAD2J	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
XBUMTLEYSXF	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
XBUMTLEYSXF	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
XBUMTLEYSXF	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
JGRO0VCI3I4	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
AL1YYY2QQXZ	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
IC5JVFYS1SL	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
DYHX4BWRKCJ	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
BRWLZWGVYRG	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Final TIL Missing or Not Executed
K5E34XTA2K3	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
WZ00R5K3FAX	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
QHN1EVDSJ04	XXXXX	XXXXX	Credit	Title Issue	Resolved	Resolved	XXXXX	Title issue
QHN1EVDSJ04	XXXXX	XXXXX	Servicing	Servicing Review	Resolved	Resolved	XXXXX	Evidence of Title Issues
JETI1BSRILA	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Guidelines
0JFYK25HISB	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
TVFZDL3EVSC	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
TVFZDL3EVSC	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Missing Doc
LU2EF0BKU5I	XXXXX	XXXXX	Credit	Underwriting	Resolved	Resolved	XXXXX	Income
UAVI1PHYB2K	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
V1PSFDVO00T	XXXXX	XXXXX	Credit	Other Disclosures	Resolved	Resolved	XXXXX	Final Application is missing
V1PSFDVO00T	XXXXX	XXXXX	Credit	Credit	Resolved	Resolved	XXXXX	Credit
V1PSFDVO00T	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Note is missing or unexecuted
V1PSFDVO00T	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Mortgage missing / unexecuted
V1PSFDVO00T	XXXXX	XXXXX	Credit	Doc Issue	Resolved	Resolved	XXXXX	Condo / PUD rider Missing
5UOORDTNBSJ	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
FYLPGL5CD3C	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
3EFDVFMKKHA	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
DM2ODEBRUQP	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
EFTKM5MA2BV	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
Q30MLSR1KU1	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
FDU04NCQBDT	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
WT0JXSOZV2M	XXXXX	XXXXX	Reverse Mortgage	FHA Disclosures	Resolved	Resolved	XXXXX	Maximum Claim Amount: - Missing
WT0JXSOZV2M	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
ZXZT31ROSBF	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
RCXGM2ZTOK4	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
Q0L3ZPRDEOT	XXXXX	XXXXX	Valuation	ValuationWaterfall	Active	3: Cureable	XXXXX	Appraised value not supported. Form Type/CU Score
FXZQ2WSBD31	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
OODAY5JILE2	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
1TBF1F4DZEK	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
SQB4KVATE2B	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Appraised value not supported. Form Type/CU Score
NCQQ1ZL0ZTD	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Orig.value not supported by Post-Close Desk Review
NCQQ1ZL0ZTD	XXXXX	XXXXX	Valuation	ValuationWaterfall	Resolved	Resolved	XXXXX	Orig.value not supported by Pre-Close Desk Review
NCQQ1ZL0ZTD	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
NCQQ1ZL0ZTD	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
USCW0OWN3X3	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Residual income does not meet guidelines
USCW0OWN3X3	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
TILR55ER03M	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
BNDFSHP3NBK	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Credit score does not meet guidelines
T0BUXUA3L5O	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
D2OPSDMBRZT	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Residual income does not meet guidelines
D2OPSDMBRZT	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
OQYSTI0YXFE	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines
2NGQ2EO5JT4	XXXXX	XXXXX	Credit	Guidelines	Active	2: Acceptable with Warnings	XXXXX	Loan does not conform to program guidelines

Recovco Loan ID	Exception Detail	Exception Information	Compensating Factors	Seller Comments	Reviewer Comments	Exception Remediation
UQL4MDSBC40	* Good Faith Estimate missing or unexecuted (Lvl R)	The good faith estimate is missing from the loan file.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
5ESHGJAY41W	* Missing Documentation (Lvl R)	The loan file is missing a signed 4506T			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
5ESHGJAY41W	* Missing Documentation (Lvl R)	Lender guidelines page XXstates 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.			8/23/2022: Resolved. Approval received.	8/23/2022: Resolved. Approval received.
Z4HYVPZCYLS	* Missing Documentation (Lvl R)	The file is missing evidenceXXXXXX is owned free and clear. The file contains documentation of the taxes and insurance; however, no evidence it is owned free and clear.			8/30/2022: Resolved. HUD 1 received for XX XXXXX XXXX validating it was sold by the borrower on XX/XX/XXXX	8/30/2022: Resolved. HUD 1 received for XXXXXX validating it was sold by the borrower on XX/XX/XXXX.
Z4HYVPZCYLS	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/22: Resolved. 4506T received.	8/23/22: Resolved. 4506T received.
ASTG15UPIOR	* Credit report incomplete (Lvl R)	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.			7/5/2022: Cleared. Documentation received.	7/5/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Mortgage missing / unexecuted (Lvl R)	The loan file is missing the mortgage/deed of trust.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Residual income does not meet guidelines (Lvl R)	The loan file is missing proof of $xxxx XX income.	None.		7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Note is missing or unexecuted (Lvl R)	The loan file is missing the note.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Notice of Servicing Transfer missing or unexecuted (Lvl R)	The loan file is missing the notice of servicing transfer.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Final Application is missing (Lvl R)	The loan file is missing the final loan application.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Right of Rescission missing or unexecuted (Lvl R)	The loan file is missing the refinance 3 day right to cancel.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Missing Doc (Lvl R)	The loan file is missing the annual certificate of occupancy.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Missing Title evidence (Lvl R)	The loan file is missing the title policy.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
PFEVOVGA1J3	* Missing Documentation (Lvl R)	The loan file is missing the reverse mortgage counseling certificate.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
G5G0G22TOI0	* Missing from file (Lvl R)	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.	The Owner Occupancy intent was documented on the Initial and Final Applications, pages X & XX.	Borrower's cert of occupancy not required on a refinance	8/7/2022: Resolved. Cert ifcate of Occupancy was not required. 7/5/2022: Not cleared. A document was received under title "Occupancy". However, the document was a Title Doc for a different Borrower.	8/7/2022: Resolved. Cert ifcate of Occupancy was not required. 7/5/2022: Not cleared. A document was received under title "Occupancy". However, the document was a Title Doc for a different Borrower.
X5LYIMNKLDB	* Missing Documentation (Lvl R)	The declarations on the initial application (p.4) and final application (p.X) both answered No to the question Do you intend to occupy the property as your primary residence. Per lender guidelines page X, borrowers must be residing in the subject property as their primary residence. The loan file does not contain clarification since the occupancy certification (p.X) states the borrower currently occupies the subject.			8/30/2022: Resolved. Update 1003 declarations Section received indicating home is to be primary residence and initial by the borrower.	8/30/2022: Resolved. Update 1003 declarations Section received indicating home is to be primary residence and initial by the borrower.
X5LYIMNKLDB	* Missing Documentation (Lvl R)	The loan file contains a UCC with XXXX for Solar equipment that was recorded X/X/XX(p.X) as well as the solar contract (p.X) dated X/X/XX showing they were financed; however, does not reflect the payment amount to include in debts. Lender guidelines page X 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.			8/30/2022: Resolved. Solar Panel contract received showing no payments due monthly. The title commitment received does not list the solar panels as a lien against the subject proeprty.	8/30/2022: Resolved. Solar Panel contract received showing no payments due monthly. The title commitment received does not list the solar panels as a lien against the subject proeprty.
RWKPAOAYL2Q	* Credit history does not meet guidelines (Lvl 2)	The guidelines page X 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.X) shows the interest due on the mortgage is from X/X/XX and the loan file does not contain a payment history for the mortgage. Additionally, the file contains an explanation (p.X) for the subject currently being in foreclosure as well as a Notice of Trustee's Sale dated X/X/XX for the subject property (p.X).	The borrowers have resided in the subject property for 20 years LTV/CLTV is XX% XXX qualifying score exceeds minimum required score of XXX by XXX points.
K2IKYBH5FMB	* Income documentation is incomplete (Lvl R)	Per the applicable guidelines, page X 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. TheXX on file, page X reflects that the borrower 1 income was calculated using an average of the lessor of recent 12 months. However, the file only contains a Profit and Loss from X/X/XX to X/X/XX on page X. The loan file is missing all XX income documentation for borrower 1.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
N50TIXEMJNU	* Missing Title evidence (Lvl R)	Page X of the XX 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.			8/23/2022: Resolved. Title Commitment received.	8/23/2022: Resolved. Title Commitment received.
VYUMJCE35EE	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter Financial Assessment Worksheet for the subject borrower and subject property.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
YRWACARML0N	* Missing Documentation (Lvl R)	The guidelines (p.X) 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.			8/30/2022: Resolved. The HOA has provided a letter and short payment history to confirm payments have been made timely.	8/30/2022: Resolved. The HOA has provided a letter and short payment history to confirm payments have been made timely.
KQO5L1KM20N	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T.			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
KQO5L1KM20N	* Missing Doc (Lvl R)	Lender guidelines page XX 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.XX).			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
0QKJTFLYDZO	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
GLD4YPWSXKR	* Missing Documentation (Lvl R)	The final loan application (p.X) states the borrower owns a property at XXXX, Unit X with no mortgage listed. The loan file contains a written explanation from the borrower stating the HOA for this property is $X/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.			10/7/2022: Resolved. A Real Estate report was provided for XXXX XXXX XX- this is a true storage ground. There is a photo of the structure showing a series of storage buidlings and lots for owners. Value is set at $ XX,XXX	10/7/2022: Resolved. A Real Estate report was provided for XXXX XXXX - this is a true storage ground. There is a photo of the structure showing a series of storage buidlings and lots for owners. Value is set at $XX,XXX and maintenance per HOA statement is $XXX annually.
GLD4YPWSXKR	* Cert of Counseling - Missing (Lvl R)	The credit counseling in the loan file (pX) shows the Certification expiration date of X/X/XX which is prior to the Note date of X/X/XX the loan file does not contain an updated credit counseling certificate.			10/7/2022: Resolved. Received validation that the counseling certificate was valid at the time of application the borrower can close on the loan without re-counseling. The application date was within the acceptable validation dates of the counseling certificate.	10/7/2022: Resolved. Received validation that the counseling certificate was valid at the time of application the borrower can close on the loan without re-counseling. The application date was within the acceptable validation dates of the counseling certificate.
GLD4YPWSXKR	* Income documentation is incomplete (Lvl R)	Per the loan application and Financial Assessment worksheet, the borrower was qualified with employment income of $xxxx income of $xxxx, Schedule C loss of $-XX and Creative RE loss of $-XX for 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.X). Lender guidelines page X 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 X andX 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 $XX. Additionally, Self Employment must also be documented with two years tax returns (and transcripts to support) per lender guidelines page X. Without the tax returns, audit is unable to verify the Schedule C loss of $XXand Creative RE loss of $XX			10/7/2022: Resolved. The borrower is not claiming unreimbursed expenses from her W2 - commission position, she has very small income from XXXX that is not being used in qualification and a small XXXX that is not being utilized either. All income documentation was received and reviewed include XXXX and XXXX XXXX returns, XXXX s and P & L.	10/7/2022: Resolved. The borrower is not claiming unreimbursed expenses from her W2 - commission position, she has very small income from XXX that is not being used in qualification and a small XXXX that is not being utilized either. All income documentation was received and reviewed include XXXX and XXXX business returns, personal returns and P & L.
GLD4YPWSXKR	* Missing Documentation (Lvl R)	The second appraisal (p.X) reflects the subject as Tenant Occupied; however, the first appraisal (p.X) reflects the subject as Owner Occupied. Additionally, the first appraisal reflects the GLA as X and the second appraisal shows the GLA as Xand 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.X) 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.			10/7/2022: Resolved. Appraisal review in file by appraisal department this shows that a value of $X,XXX,XXX was determined after a full internal review of the subject and appraisals.	10/7/2022: Resolved. Appraisal review in file by appraisal department this shows that a value of $X,XXX,XXX was determined after a full internal review of the subject and appraisals.
DWFBVI301Z1	* Missing Doc (Lvl R)	The loan file is missing a signed 4506T			8/30/2022: Cleared. Signed 4506C received.	8/30/2022: Cleared. Signed 4506C received.
YBV5JA5EW3N	* Income documentation does not meet guidelines (Lvl R)	The loan file was missing XX Income documentation. Retirement XX guidelines required XX income must be verified from the former employer, or from Federal tax returns. There was no documentation for this income in the loan file.			7/5/2022: Cleared. Documentation received.	7/5/2022: Cleared. Documentation received.
YBV5JA5EW3N	* Income documentation does not meet guidelines (Lvl R)	The loan file was missing XX Income documentation. Retirement XX guidelines required XX income must be verified from the former employer, or from Federal tax returns. There was no documentation for this income in the loan file.			7/5/2022: Cleared. Documentation received.	7/5/2022: Cleared. Documentation received.
HQQ0FFQQDSF	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM Submission Form.			7/28/2022: Cleared. Documentation received.	7/28/2022: Cleared. Documentation received.
V2MIDV133ZQ	* Transmittal (1008) is Missing (Lvl R)	The loan file was missing the Financial Assessment Worksheet.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
5WQDX3TJ2AT	* Validation of primary residence - Missing (Lvl R)	The loan file was missing The Borrowers' Certification of Owner Occupancy.		Borrower's cert of occupancy not required on a refinance	8/7/2022: Resolved. Cert ifcate of Occupancy was not required.	8/7/2022: Resolved. Cert ifcate of Occupancy was not required.
21XAIP2PJLJ	* Missing Documentation (Lvl R)	The Financial Assessment Worksheet (p.X) reflects pension income of $X and SS of $X for total income of $X. The loan file contains verification of the SS; however, is missing the verification of the pension income of $X to support the total income. Lender guidelines (p.X) 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 $X (p.X); however, this is not sufficient documentation to meet guidelines.			8/31/2022: Resolved. Received Pension letter from the state of WA.	8/31/2022: Resolved. Received Pension letter from the state of WA.
4M0PEVH3DUY	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
4M0PEVH3DUY	* Missing Documentation (Lvl R)	Page Xof the X 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.		9/12/2022 Please note as long as the easement is in place, a road maintenance agreement is not required.	8/30/2022: Remains. The deed sent discusses easements but is not a private road maintenance agreement for the subject. 9/12/2022: Resolved. Easements for road are all that is required. A private road maintenance agreement is not required.	8/30/2022: Remains. The deed sent discusses easements but is not a private road maintenance agreement for the subject. 9/12/2022: Resolved. Easements for road are all that is required. A private road maintenance agreement is not required.
KUKFGTMTIEU	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
TQ5YUQPALOV	* Missing Documentation (Lvl R)	The subject property appraised as is for $X. A post-closing Pro Teck ARR verified the value. Page Xof the X guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $X. The loan file is missing the pre-closing AVM required to support the appraised value at origination.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
0M1KVJBRQLA	* Income documentation does not meet guidelines (Lvl R)	The loan was qualified with SS income and $X in pension income. The file did not contain required documentation for the $X pension income.			9/19/2022: Resolved. Received awards letter for pension and validation it is for life.	9/19/2022: Resolved. Received awards letter for pension and validation it is for life.
0M1KVJBRQLA	* Credit report >90 days old at closing (Lvl R)	The credit report in the file was dated x/x/xx (P x). The loan closed x/x/xxmaking the credit report x days old. An updated credit report less than x days old was not located in the file.			9/19/2022: Resolved. received updated credit bureau dated XX/XX/XXXX with slight credit score mid score change to XXX/XXX vs XXX/XXX	9/19/2022: Resolved. received updated credit bureau dated XX/XX/XXXX with slight credit score mid score change to XXX/XXX vs XXX/XXX.
1OAOJG53BTN	* Title issue (Lvl R)	The preliminary title (p.x) and final title policy (p.x) do not specify what the estate or interest in the land is (i.e. fee simple or leasehold)			9/1/2022: Resolved. The final title policy received shows vesting in Single Man, Fee Simple.	9/1/2022: Resolved. The final title policy received shows vesting in Single Man, Fee Simple.
TOEKGY4TTMW	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter loan financial assessment worksheet.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
B0MPWIMDDC5	* Missing Documentation (Lvl R)	The file is missing evidence the hazard insurance is paid in full. The Declaration page shows the annual premium of $XXXX and balance due of $XXX (p.XX) and the receipt confirms payment of $XXXX as down payment (p.XX) and the HUD does not reflect the remaining balance paid at closing. The policy was a new policy effective X/X/XX. Per lender guidelines (p.XX), 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.			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
B0MPWIMDDC5	* Missing Doc (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. 4506T received.	8/23/2022: Resolved. 4506T received.
3ZOPVFWXR4O	* Missing Title evidence (Lvl R)	The title documents for the subject property are missing from the loan file.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
WQCCXUOKGHR	* Notice of Servicing Transfer missing or unexecuted (Lvl R)	The loan file is missing the notice of servicing transfer.			8/4/2022: Cleared. Documentation received.	8/4/2022: Cleared. Documentation received.
L05N3S2JKI0	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter loan assessment financial worksheet.			8/4/2022: Cleared. Documentation received.	8/4/2022: Cleared. Documentation received.
CLPHTHWX0OR	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter loan assessment financial worksheet.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
XEHFPGAUA1D	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the February 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 XX/XX/XX. The tax certificate on page XX of the loan file reflects a late tax payment on XX/XX/XXXX which is within the previous 12 months.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region, $XXXX residual income exceeds $XXX minimum required residual income by XX.XX1, XXX FICO exceeds XXX minimum required FICO by XXX points, 26 years occupancy of subject property.
LIZXB4JAQXG	* Missing Documentation (Lvl R)	The Fraud Report (p.XX) reflects a property located at XXXX owned by XXXX XXXX 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.			9/26/2022: Resolved. Property Detail report received borrower does not own XXXX XXXX.	9/26/2022: Resolved. Property Detail report received borrower does not own XXX XXX XX
LQ0OB30CZQT	* Missing Documentation (Lvl R)	The loan file is missing the signed Financial Assessment Worksheet			9/26/2022: Resolved. ReceivedXX worksheet.	9/26/2022: Resolved. Received XX worksheet.
LQ0OB30CZQT	* Missing flood cert (Lvl R)	The loan file is missing the Flood Certification.			9/26/2022: Resolved Flood Cert Received, not in a flood zone.	9/26/2022: Resolved Flood Cert Received, not in a flood zone.
U5WNUKIOJXU	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter loan assessment financial worksheet.			8/31/2022: Cleared.	8/31/2022: Cleared.
TJYN1HRGFGY	* Missing flood cert (Lvl R)	Flood cert is missing. Appraisal verifies that the loan is not in a flood zone and that no flood insurance is required.			8/31/2022: Cleared.	8/31/2022: Cleared.
S5OU1ANVYJ4	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/28/2022: Cleared. Documentation received.	7/28/2022: Cleared. Documentation received.
ZZW4NHIOXSC	* Missing Documentation (Lvl R)	The loan file was missing a signed 4506T			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
ZZW4NHIOXSC	* Missing Documentation (Lvl R)	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.XX) shows the mortgage last reported X/X/XX and the payoff statement (p.X) shows the subject due for X/X/XX; however, also reflects a late charge of $XX. Since the credit report reflects X/X/XX, which is within the previous 24 months, the mortgage payment history for X/X/XX Thru X/X/XX 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.			8/30/2022: Remains. The credit bureau stopped reporting as of XX/XXXX and the payoff dated XX/XX/XXXX shows the next payment due for XX/XX/XXXX. The overall 24 months mortgage history required is missing XXXX XXXX XXXX payment history to validate not over 2 x 30 in th past 24 months. The subject did not close until XX/XX/XXXX. 9/21/2022: Resolved Updated Credit Bureau with Mortgage history through XX/XX with 1 x 30 which is acceptable.	8/30/2022: Remains. The credit bureau stopped reporting as of XX/XX/XXXX and the payoff dated XX/XX/XXXX shows the next payment due for XX/XX/XXXX. The overall 24 months mortgage history required is missing XX XXXX, XX XXXX and XX XXXX payment history to validate not over 2 x 30 in th past 24 months. The subject did not close until XX/XX/XXXX. 9/21/2022: Resolved. Updated Credit Bureau with Mortgage history through XX/XXXX with 1 x 30 which is acceptable.
PRUKAKMFSXI	* Missing Documentation (Lvl R)	The loan file was missing a signed 4506T			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
HYGHGK4JJG4	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
LNE3Q2RC4FX	* Missing Documentation (Lvl R)	The loan file is missing the Underwriter Financial Assessment Worksheet.			10/7/2022: Resolved. Received the Financial Assessment Worksheet	10/7/2022: Resolved. Received the Financial Assessment Worksheet
MNPPADU3FCH	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/30/2022: Cleared. Received signed 4506C.	8/30/2022: Cleared. Received signed 4506C.
MNPPADU3FCH	* Missing Documentation (Lvl R)	The loan file is missing evidence the hazard insurance is paid in full.			8/31/2022: Cleared. Received email print out showing PIF to XX/XX/XXXX	8/31/2022: Cleared. Received email print out showing PIF to XX/XX/XXXX
MNPPADU3FCH	* Income documentation does not meet guidelines (Lvl R)	Lender guidelines page XX 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 XXXX W2 for the borrower from Foundation Property Management. The file contains two copies of the XXXX W2			8/31/2022: Resolved. Received WVOE with XXXX W2 information and VVOE from 2 days prior to closing to confirm employment.	8/31/2022: Resolved. Received WVOE with XXXX W2 information and VVOE from 2 days prior to closing to confirm employment.
NJNQ5PWZWOK	* Missing Documentation (Lvl R)	Per lender guidelines page XX for an appraised value of $XXX,XXX,X and 2 appraisals are needed; however, if an appraised value of $X,XXX,XXX 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 $X,XXX,XXX. so two appraisals are needed. The loan file contains one appraisal completed as is with a value of $X,XXX,XXX. and an ARR with a value of $X,XXX,XXX. ; however, is missing the second appraisal with the appraised value of $X,XXX,XXX. 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 $X,XXX. ; however, those repairs were not called for on the appraisal in the loan file.			10/7/2022: Resolved. Received, the second full appraisal with a value of $X,XXX,XXX which is within 10%. The repairs were for peeling paint.	10/7/2022: Resolved. Received, the second full appraisal with a value of $X,XXX,XXX which is within 10%. The repairs were for peeling paint.
2XABGNA5EBI	* Missing Documentation (Lvl R)	The proof of employment income is missing from the loan file.		9-1-2022 XXXX She is a XXXX and is XXXX (XXX). XXX and CCC tXX returns and all schedules were provided. She also used XXXX and all the docs required were provided and in XX. Does not appear that the attached made it into XX	9/19/2022: Resolved. Received two years tax returns to validate self employed income. 9/1/2022: Remains. The loan file did not contain tax returns for calculation of self employed income as indicated on explanation letter and the tax spread received.	9/19/2022: Resolved. Received two years tax returns to validate self employed income. 9/1/2022: Remains. The loan file did not contain tax returns for calculation of self employed income as indicated on explanation letter and the tax spread received.
NRLAYKRPES0	* Missing Documentation (Lvl R)	The loan submission schedule is missing from the loan file.			9/26/2022: Resolved. Received Loan submission Schedule.	9/26/2022: Resolved. Received Loan submission Schedule.
NRLAYKRPES0	* Missing Doc (Lvl R)	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.			9/26/2022: Resolved. Received 3 years tax returns income is supported.	9/26/2022: Resolved. Received 3 years tax returns income is supported.
GKEZTTJLFY2	* Missing Documentation (Lvl R)	The loan file is missing the final signed Financial Assessment Worksheet		Final signed XX attached… There are two months’ worth of paystubs in the conditions IHSS is a government agency that pays family members to care for the elderly. They do not provide a VOE written or verbal. They do not provide W2’s since most if not all of the income is not taxable.	8/31/2022: Resolved. Received XX	8/31/2022: Resolved. Received XXX
GKEZTTJLFY2	* Missing Doc (Lvl R)	The preliminary title (p.XX) shows the vesting in XXXX XXXX and XXXX XXXX XXXX, as trustees of 26 Irrevocable Trust; however, the final title policy (p.XX) 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.			8/30/2022: Resolved. Copy of Grant Deed moving property from Trust to Joint Tenants received dated XX/XX/XXXX, the day before closing.	8/30/2022: Resolved. Copy of Grant Deed moving property from Trust to Joint Tenants received dated XX/XX/XXXX, the day before closing.
GKEZTTJLFY2	* Income documentation does not meet guidelines (Lvl R)	Lender guidelines page XX 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.		Final signed XX attached… There are two months’ worth of paystubs in the conditions IHSS is a government agency that pays family members to care for the elderly. They do not provide a VOE written or verbal. They do not provide W2’s since most if not all of the income is not taxable.	8/31/2022: Resolved. Income is from state of XX for taking care of relative, XXXX W2 from XX in file, along with YTD stubs through XX/XXXX validating the income being used for qualification.	8/31/2022: Resolved. Income is from state of XX for taking care of relative, XXXX W2 from XX in file, along with YTD stubs through XX/XX/XXXX validating the income being used for qualification.
PCFBGRZADF4	* Missing Documentation (Lvl R)	The loan file is missing the underwriter loan assessment financial worksheet.			8/30/2022: Resolved. Received the Financial Assessment Worksheet.	8/30/2022: Resolved. Received the Financial Assessment Worksheet.
NP5NC2F0RYY	* Reverse Mortgage Programs - Missing (Lvl R)	Financial Assessment Worksheet is missing from the loan file. The Financial Assessment document signed by an underwriter is required per page XX of the XX Guideline.			8/31/2022: Cleared. Financial statement is signed.	8/31/2022: Cleared. Financial statement is signed.
NFQOUTY4QCJ	* Cert of Counseling - Missing (Lvl R)	Per the guidelines (PXX), counseling is required. The file did not contain the required certification of counseling.			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
EKGH5E1J1E3	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
ITW3O12URGH	* Missing Documentation (Lvl R)	The loan file was missing the signed 4506T.			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
QNKVYWMNCA1	* Title issue (Lvl R)	The preliminary title (p.XX) reflects a federal tax lien of $XX,XXX. in the sellers name. The loan file does not contain evidence this was satisfied or removed from title.			8/31/2022: Cleared. Received release.	8/31/2022: Cleared. Received release.
QNKVYWMNCA1	* Missing Documentation (Lvl R)	Lender guideline page XX 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 XXXX XX XXXX XXXX #XXXX ending XXX X, XXXX(p.XX) and only page X ofX of the XXXX X, XXXX statement (p.XX). The loan file is missing page one of the XXXX bank statement to complete the required two months statements.			9/1/2022: Resolved. Received page on of the XXXX bank statement.	9/1/2022: Resolved. Received page on of the XXXX bank statement.
QNKVYWMNCA1	* Evidence of Title Issues (Lvl R)	The preliminary title (p.XX) reflects a federal tax lien of $XX,XXX. in the sellers name. The loan file does not contain evidence this was satisfied or removed from title.			8/31/2022: Cleared. Received release.	8/31/2022: Cleared. Received release.
QNKVYWMNCA1	* Missing Documentation (Lvl R)	The loan file is missing the signed 4506T			8/30/2022: Cleared. Received 4506C signed.	8/30/2022: Cleared. Received 4506C signed.
00V5YG5SBVI	* Missing Documentation (Lvl R)	The loan file is missing the Loan Submission Schedule.			8/31/2022: Resolved. Received Loan Submission Schedule	8/31/2022: Resolved. Received Loan Submission Schedule
HCBLACGXDLO	* Missing Documentation (Lvl R)	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 (p.X) and final application (p.XX) are both left blank in the Alternative Contact Person section.			9/26/2022: Resolved. Received Alternate Contact.	9/26/2022: Resolved. Received Alternate Contact.
SO3X2D3OP0K	* Missing Documentation (Lvl R)	Missing the VOM or payment history on the current 2nd lien with XXXX XX XXXX			9/19/2022: Resolved. Received VOM from XXX XXX XXX with 0 x 30.	9/19/2022: Resolved. Received VOM from XXXX XXXX XXXX with 0 x 30.
XETVWBRR4YE	* Missing Documentation (Lvl R)	The loan file is missing a signed 4506T			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
XETVWBRR4YE	* Missing Documentation (Lvl R)	Lender guidelines page XX 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 XX/XXXX.			9/1/2022: Resolved. Explanation for BK was received.	9/1/2022: Resolved. Explanation for XX was received.
K1LKNML04NH	* Missing Documentation (Lvl R)	The subject property appraised as is for $XXX,XXX. A post-closing XXX XXX AVM performed on XX/XX/XX verified the $XXX,XXX. value. Page XX of the XXXX 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 onXX/XX/XXXX. The loan file is missing a pre-closing AVM done prior to XX/XX/XXXX.			9/21/2022: Resolved. Received the Vero Value with 94% confidence score at a $XXX,XXX value.	9/21/2022: Resolved. Received the Vero Value with 94% confidence score at a $XXX,XXX value.
WAB40H4LCKJ	* Missing Documentation (Lvl R)	The fraud report (pXX) 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 XXX XXXX; 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.			9/26/2022: Resolved. Received letter identifying HOA is not in place.	9/26/2022: Resolved. Received letter identifying HOA is not in place.
GSDS5W2KXBR	* Missing Documentation (Lvl R)	The loan file contains the Wire Summary for the source of funds for the deposit on X/X/XXXX for $XXX,XXX.(p.XX); however, is missing the HUD1 Settlement Statement for the sale of the property located at XXX XXX XXX XXXX, XXX, XX to confirm the sale and verify the escrow amount received.			9/7/2022: Resolved. Received HUD 1 from sale of property XXX XXXX	9/7/2022: Resolved. Received HUD 1 from sale of property on XXXX XXXX XXXX.
TI1PTZKKW2L	* Credit history does not meet guidelines (Lvl R)	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.	A XXXX was set up. Borrower had resided in subject property over XX years and taxes and insurance paid on time. Most accounts were charged off over X years previous to loan closing, or medical and included in residual calculations.		9/26/2022: Resolved. Received 30 day extension for the appraisal from HUD until XX/XX/XXXX	9/26/2022: Resolved. Received 30 day extension for the appraisal from HUD until XX/XX/XXXX
TI1PTZKKW2L	* Missing Documentation (Lvl R)	The file is missing the Financial Assessment Worksheet.			9/26/2022: Resolved. The XX worksheet was received.	9/26/2022: Resolved. The XX worksheet was received.
TI1PTZKKW2L	* Missing Documentation (Lvl R)	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 Foreclosure proceedings may be started.			9/26/2022: Resolved. Per explanation letter received the loan being paid off was in fact a reverse mortgage with no payments due and the property was in foreclosure prior to that. The status of the prior situation is identified in XXwrite up received as well.	9/26/2022: Resolved. Per explanation letter received the loan being paid off was in fact a reverse mortgage with no payments due and the property was in xxxx prior to that. The status of the prior situation is identified in xx write up received as well.
CJIITY25DIQ	* Missing Documentation (Lvl R)	Lender guidelines page XXX require the HOA master/blanket property insurance equal to 100% of current replacement cost and $X,XXX,XXX. in liability protection for bodily injury and damages. The loan file is missing the HOA master policy and liability insurance policy.			9/19/2022: Resolved. Master Policy has been received showing liability and unit coverage.	9/19/2022: Resolved. Master Policy has been received showing liability and unit coverage.
CJIITY25DIQ	* Missing Documentation (Lvl R)	Lender guidelines page XXX states XXXX XXXX XXX LLC will only lend on condominiums from XXX XXX XXX or XXX approved projects. The loan file is missing evidence the subject is an XXX,XXXXor XXXapproved project.			9/19/2022: Resolved. Community is on the approved condo list provided.	9/19/2022: Resolved. Community is on the approved condo list provided.
CJIITY25DIQ	* Missing Doc (Lvl R)	The AVM (pXX) reflects the property as XXX X XXXX XXX #XX, whereas, the subject is XXX #XX. The loan file is missing the required AVM for the subject property.			9/196/2022: Resolved. received AM with proper unit of 11 validated that is post close verifying the value with no confidence score on the report.	9/196/2022: Resolved. received XX with proper unit of XX validated that is post close verifying the value with no confidence score on the report.
CTTBROCDKDB	* Missing Documentation (Lvl R)	The loan file is missing the Financial Assessment Worksheet for the loan file.			9/26/2022: Resolved. XX worksheet was received.	9/26/2022: Resolved. XX worksheet was received.
I1L5VA32TVO	* Title issue (Lvl R)	The preliminary title (p.XXX) shows a state tax lien in the amount of $X,XXX recorded XX/XX/XXXX. The loan file is missing evidence this has been satisfied.			10/7/2022: Resolved. Received updated title removing tax lien and a coy of the tax lien validating it is not for our borrowers.	10/7/2022: Resolved. Received updated title removing tax lien and a coy of the tax lien validating it is not for our borrowers.
DQNSRYQP1X5	* Missing Documentation (Lvl R)	The loan file is missing the final HUD1 Settlement Statement for the sale of the departure residence verifying the net proceeds of $XXX,XXX. (p.XX) of which the attorney held $XXX,XXX. (p.XX) and the borrower deposited $XX,XXX.(p.XX)			9/26/2022: Resolved. Verified funds received from prior sale of home.	9/26/2022: Resolved. Verified funds received from prior sale of home.
DQNSRYQP1X5	* Missing Documentation (Lvl R)	Per the XX Worksheet, the borrower had $XXX,XXX. in proceeds from the sale of previous home. The closing agent retained $XXX,XXX of the funds to apply to subject closing. The remaining assets of $XX,XXX were deposited in the XXXX XXaccount on XX/XX/XXXX. These funds were then withdrawn on XX/XX/XXXX and the account has a XX.XX balance, page XXX. The funds used for the asset dissipation of $XX,XXX.XX are not verified in the loan file. The subject loan closed XX/XX/XXXX.			9/26/2022: Resolved. Received validation of the sale of prior home and validation of the deposit.	9/26/2022: Resolved. Received validation of the sale of prior home and validation of the deposit.
QZ2LEBGXRYP	* Amount of title insurance is less than mortgage amount (Lvl R)	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.			9/7/2022: Resolved. Received final policy at $X,XXX,XXX.	9/7/2022: Resolved. Received final policy at $X,XXX,XXX.
SQ2YZBFQPER	* Notice of Servicing Transfer missing or unexecuted (Lvl R)	The loan file is missing the notice of servicing transfer.			10/20/2022: Resolved. Received Servicing Transfer	10/20/2022: Resolved. Received Servicing Transfer
EJ3PWUUTDH4	* Title issue (Lvl R)	Lender guidelines page XX state the UCC must be terminated for a Solar Lease. Additionally, the preliminary title (p.XXX) required a termination of contract for the solar energy system. The loan file does not contain the required UCC Termination for the Solar Contract.			9/26/2022: Resolved. Received letter from title company that the Solar is not a Lien on the property it just indicates solar panels are present.	9/26/2022: Resolved. Received letter from title company that the Solar is not a Lien on the property it just indicates solar panels are present.
W35PDKNM5FQ	* Missing Documentation (Lvl R)	The subject property appraised as is for $X,XXX,XXX. The maximum claim value is $X,XXX,XXX. per the loan submission form on page X of the loan file. Page XXX of the XXXX XXXX guidelines states that one appraisal and a Valuation Risk Review (VRR) or Appraisal Risk Review (ARR) are required for property values estimated between $X,XXX,XXX - $X,XXX,XXX. A Vero Value AVM is on page XX of the loan file. The loan file is missing a Valuation Risk Review (VRR) or Appraisal Risk Review (ARR).			10/7/2022: Resolved. A copy of the Appraisal Risk Review supporting value at $XX,XXX,XXX with 10% of the appraised value of $X,XXX,XXX was received.	10/7/2022: Resolved. A copy of the Appraisal Risk Review supporting value at $XX,XXX,XXX with 10% of the appraised value of $X,XXX,XXX was received.
W35PDKNM5FQ	* Value Not Supported: AVM Confidence Score does not meet FITCH requirement (Lvl R)	The Vero Value AVM on page XX of the loan file reflects a $X,XXX,XXX value with a confidence score of XX when a minimum confidence score of XX is required. The loan file is missing a third party valuation product to support the appraised value within a 10% tolerance, and the confidence value must be within 10% per FITCH requirements.		10/7/2022 Pre fund Desk Review supports value.	10/7/2022 Exception resolved.	10/7/2022 Exception resolved.
XP51E1F54WG	* Final Inspection (Lvl R)	Final Inspection on page XXX 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.			8/23/2022: Resolved. Repair addendum received.	8/23/2022: Resolved. Repair addendum received.
2FBXOT4EA2O	* Missing Doc (Lvl R)	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.			8/30/2022: Resolved. Received executed Counseling Form.	8/30/2022: Resolved. Received executed Counseling Form.
2FBXOT4EA2O	* Missing Documentation (Lvl R)	The borrower receives monthly income from XXXX XXX XXX, the loan file write up indicated income was validated per 1040's. The 1040's were not in the loan file.			9/12/2022: Resolved. The VOE has been confirmed by a member of the XXXX, who is the XXXX at the church. 9/1/2022: Remains. The income for the borrowers position with XXXX required tax returns as the VOE was signed by a family member with the same last name of XXXX.	9/12/2022: Resolved. The VOE has been confirmed by a member of XXXX, who is the XXXX at the church. 9/1/2022: Remains. The income for the borrowers position with XXXX required tax returns as the VOE was signed by a family member with the same last name of XXXX
JVRXKYNO4A1	* Income documentation is incomplete (Lvl R)	The Financial Assessment Worksheet shows asset dissipation income of $X,XXX.XX/month based on Stocks and Bonds with a net value of $XXX,XXX.XX. 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.			9/7/2022: Resolved. ReceivedXX XXXX acct verifying $XXX,XXX.XX in assets as identified.	9/7/2022: Resolved. Received JP Morgan acct verifying $XXX,XXX.XX in assets as identified.
JC3LBZRRYTA	* Missing Documentation (Lvl R)	The Fraud Guard (p.XXX) reflects the borrowers own a property located at XXX X XXX XX , Unit XX, XXXX, XX since XXXX. 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.			9/12/2022: Resolved. Received validation that the property was sold on XX/XX/XXXX and is no longer held by the borrower.	9/12/2022: Resolved. Received validation that the property was sold on XX/XX/XXXX and is no longer held by the borrower.
OEI4JFT5OSN	* Income documentation does not meet guidelines (Lvl R)	Per the application, the borrower was qualified using $X,XXX. per month from Pension/Retirement benefits. The file did not contain any documentation to support the income used for qualification.			8/30/2022: Resolved.XXXX XXXXt 1099-R was received. guidelines do not requirement validation of current receipt of income. Loan closed XX/XXXX.	8/30/2022: Resolved. XXXX retirement 1099-R was received. guidelines do not requirement validation of current receipt of income. Loan closed XX/XXXX
PZODG2LNVXT	* Missing Doc (Lvl R)	The loan file is missing evidence the flood insurance and hazard insurance are paid in full.			8/30/2022: Resolved. The policies in file are showing continuous coverage with an additional $XXX.XX due at closing for the increase to the hazard insurance that was made.	8/30/2022: Resolved. The policies in file are showing continuous coverage with an additional $XXX.XX due at closing for the increase to the hazard insurance that was made.
PZODG2LNVXT	* Missing Documentation (Lvl R)	The appraisal (p.XXX) shows the subject is listed for sale with an active listing. Lender guidelines page XX-XX 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.XXX) 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.			9/1/2022: Resolved. Received explanation letter for home no longer on the market as well as the cancellation of the listing.	9/1/2022: Resolved. Received explanation letter for home no longer on the market as well as the cancellation of the listing.
I3LEOWETO2Q	* Missing Documentation (Lvl R)	The property tax statement is missing from the loan file.			9/26/2022: Resolved. The tax statement has been received.	9/26/2022: Resolved. The tax statement has been received.
WPZR4JZH4PJ	* Income documentation does not meet guidelines (Lvl R)	The loan was approved with $XXX.XX in pension income. The file did not contain documentation to support the income.			9/12/2022: Resolved. Received validation of Borrower II XXXX income - $XXX.XX from the state of XX.	9/12/2022: Resolved. Received validation of Borrower II XXXX income - $XXX.XXrom the state of XX.
0ECHDWHVBPH	* Monthly Income listed on 1009 - Missing (Lvl R)	Income documents supporting union pension ($X,XXX/mo) and annuity ($XXX/mo) are missing from the loan file.			9/1/2022: Resolved. Received both XXX XXX to verify income.	9/1/2022: Resolved. Received both awards letters to verify income.
RMBIPEZB3RD	* Appraisal is 4 months after Note Date (Lvl R)	Per XXX XX guidelines pageXX, 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.		Per UW guidelines, the appraisal was extended an additional 30 days which is permitted.	8/7/2022: Resolved.	8/7/2022: Resolved.
CGBPNOOJUEY	* Missing Documentation (Lvl R)	The loan file is missing the Loan Submission Schedule.			9/26/2022: Resolved. Received the Loan Submission Schedule.	9/26/2022: Resolved. Received the Loan Submission Schedule.
CGBPNOOJUEY	* Income documentation is incomplete (Lvl R)	Lender guidelines page XXX states For XX XXXX 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 XX. The loan file contains the most recent bank statement evidencing the XX XXXX direct deposit of $X,XXX.XX (p XX); however, the file is missing the Benefits Letter identified on the Financial Assessment for XX XXXX of $X,XXX.XX per the Financial Assessment Worksheet (p.XXX)			9/28/2022: Resolved. Awards letter showing income at $X,XXX.XX	9/28/2022: Resolved. Awards letter showing income at $X,XXX.XX
CGBPNOOJUEY	* Mortgage/Rental lates exceed guidelines (Lvl 2)	Lender guidelines page 64 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.198) the borrowers mortgage was 1x30 and 1x60 in the prior 24 months (10/2020 and 11/2020).	XXX qualifying score exceeds minimum required of XXX by XX points LTV/CLTV is XX% The borrowers have resided in the subject property for XX years PCSA was held at closing
CGBPNOOJUEY	* Missing Documentation (Lvl R)	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.			9/26/2022: Resolved. Received copy of current divers license.	9/26/2022: Resolved. Received copy of current divers license.
OL4MTY3GZPR	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
SOUUS1UDXQU	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
LGOMIFTFX22	* Income documentation is incomplete (Lvl R)	The loan file was approved using XXX XXX income for both borrowers. The file contains a recent award letter on page XXX, borrower #1. However, the income documentation for borrower #2 is missing from the loan file.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
0KDJ3DOJEYK	* Income documentation is incomplete (Lvl R)	The loan file was missing the required documentation of XXXX Income. the Rental Income from XXXX required • The mortgagee must calculate the effective income by using the lesser of the two-year average or the current lease. Rental income fromXXXX is only acceptable if the mortgagor has a two-year history of receiving income from XXXX that is shown on the tax return and the mortgagor is currently receiving XXXX income. The Underwriter used net Boarder rent $xxx monthly, pages 188, based on gross rent $xxxx monthly, page xx taken from 2021 Federal tax returns. The 2021 Tax returns were required, but were missing from the loan file.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
1KMD0QAWLWM	* Mortgage missing / unexecuted (Lvl R)	The loan file is missing the Mortgage/Deed of Trust.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
1KMD0QAWLWM	* Right of Rescission missing or unexecuted (Lvl R)	The loan file is missing the refinance 3 day right to cancel transaction form.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
1KMD0QAWLWM	* Condo / PUD rider Missing (Lvl R)	The loan file is missing the condominium rider to the mortgage.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
1KMD0QAWLWM	* Note is missing or unexecuted (Lvl R)	The loan file is missing the Note.			7/27/2022: Cleared. Documentation received.	7/27/2022: Cleared. Documentation received.
CSMBK4EF5PE	* Income documentation is incomplete (Lvl R)	The loan file is missing the 30-day paystub and XXXX and XXXX W2 for the co-borrowers employment to support the origination income of $X,XXX.XX.			8/30/2022: Resolved. Received YTD paystubs from company sell out and W2 to determine income for the co borrower.	8/30/2022: Resolved. Received YTD paystubs from company sell out and W2 to determine income for the co borrower.
CSMBK4EF5PE	* Missing Documentation (Lvl R)	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/XXXX and the payoff statement (p.XX) shows interest calculated fromXX/XX/XXXX, evidencing the subject is due for XX/XX/XXXX. Mortgage payment history for XX/XXXX thru XX/XXXXis required for the most recent 24 months housing payment history to be completed.			9/26/2022: Resolved. Validation the March, May paid timely. It appears from final payoff that the payoff dropped from June to July to instill that the June payment was also made. 8/30/2022: Remains. There is a gap of mortgage history from the credit bureau which stopped reporting on XX/XXXX and the loan closing, XX/XXXX The loan file does not contain a mortgage payment history from XX/XXXX - X/XXXX. 9/12/2022: Remains. Received validation that the XX and XX payment were made based on the payoffs in file. Do not have validation that the XX, XX or XX payments were made timely. Guidelines require, 0 x 30 in the previous 12 months and no more than 2 x 30 for the previous 24 months.	9/26/2022: Resolved. Validation the March, May paid timely. It appears from final payoff that the payoff dropped from June to July to instill that the June payment was also made. 8/30/2022: Remains. There is a gap of mortgage history from the credit bureau which stopped reporting on XX/XX/XXXX and the loan closing, XX/XX/XXXX. The loan file does not contain a mortgage payment history from XX/XXXX-XX/XXXX 9/12/2022: Remains. Received validation that the XXXX and XXXX payment were made based on the payoffs in file. Do not have validation that the XXX, XXXor XXXX payments were made timely. Guidelines require, 0 x 30 in the previous 12 months and no more than 2 x 30 for the previous 24 months.
CSMBK4EF5PE	* Missing Documentation (Lvl R)	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.			8/30/2022: Resolved. The HOA is a quarterly payment and per history from HOA the borrower has paid the HOA timely.	8/30/2022: Resolved. The HOA is a quarterly payment and per history from HOA the borrower has paid the HOA timely.
WY0II1QA2UM	* Missing Documentation (Lvl R)	The inquiry statement (p.XX) states the borrower opened a new account with XX XXX XXX and with XXX XXXX. The final loan application (p.XXX) 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.			9/12/2022: Resolved. received statements for both credit accounts verifying payments.	9/12/2022: Resolved. received statements for both credit accounts verifying payments.
XKYJGU0020Y	* Missing Documentation (Lvl R)	The Financial Assessment (p.XXX) reflects pension/retirement income of $X,XXXand XX Income of $X,XXX for total income of $X,XXX. The XX Income is documented; however, the loan file is missing documentation to support the pension/retirement income of $X,XXX. Lender guidelines (p.XX) states XXXX income must be verified from the former employer, or from Federal tax returns. The Financial Assessment Worksheet Addendum (p.XXXX) 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.			8/30/2022: Resolved. Received XXXX awards confirming the $X,XXX monthly and separation papers from his retirement from the XXX XXXXX.	8/30/2022: Resolved. Received XXXX awards confirming the $X,XXX monthly and separation papers from his retirement from the XXX XXXXX.
XKYJGU0020Y	* Missing Doc (Lvl R)	The Loan Submission Schedule is not legible (p.X). Another page was scanned over it making the information not available.			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
BTPSH25G4LV	* Income documentation is incomplete (Lvl R)	Per the Financial Assessment Worksheet, page XXX, on the XX U/W Summary, the UW used XXX XXX income of $X,XXX based on a XXXX XXXX from Cost of Living increase notification for XXXX. The loan file contains only a XXXX (page XX-XX) with a total of $XX,XXX or monthly income of $X,XXX.XX. Loan file is missing the Cost of Living increase notification.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
SP3R5VGSVLQ	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
F5AQSDS32HW	* Missing Documentation (Lvl R)	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.			9/12/2022: Resolved. Received HOA payment history - X X XX which is allowed pere guidelines.	9/12/2022: Resolved. Received HOA payment history - X x XX which is allowed per guidelines.
SDINC0Z5YQP	* Missing Documentation (Lvl R)	Lender guidelines page XX 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.			9/1/2022: Resolved. The SunEdison Solar Panels payment of $XXX.XX is validated and has been added to debts. Residual is sufficient.	9/1/2022: Resolved. The SunEdison Solar Panels payment of $XXX.XX is validated and has been added to debts. Residual is sufficient.
MBM2USBC0UZ	* Asset documentation does not meet guideline requirment (Lvl R)	The loan file was missing documentation of $X,XXX,XXX.XX, XXXX XXXX, used for Asset Dissipation by the Underwriter for 100% of Effective Income.			7/21/2022: Not cleared. Document titled "Athene Annuity" received. However, document was corrupt and could not be opened. Please re-upload. 7/22/2022: Cleared. Documentation received.	7/21/2022: Not cleared. Document titled "XXXX XXXX" received. However, document was corrupt and could not be opened. Please re-upload. 7/22/2022: Cleared. Documentation received.
MBM2USBC0UZ	* Income documentation does not meet guidelines (Lvl R)	The loan file was missing documentation of $X,XXX,XXX.XX, XXXX XXXX, used for Asset Dissipation by the Underwriter for 100% of Effective Income.			7/21/2022: Not cleared. Document titled "Athene Annuity" received. However, document was corrupt and could not be opened. Please re-upload. 7/22/2022: Cleared. Documentation received.	7/21/2022: Not cleared. Document titled "XXXX XXXX" received. However, document was corrupt and could not be opened. Please re-upload. 7/22/2022: Cleared. Documentation received.
MBM2USBC0UZ	* Credit score not provided (Lvl R)	The loan file was missing B2's Credit Report and Credit Score.			7/21/2022: Cleared. Documentation Received.	7/21/2022: Cleared. Documentation Received.
MBM2USBC0UZ	* Credit report incomplete (Lvl R)	The loan file was missing B2's Credit Report and Credit Score.			7/21/2022: Cleared. Documentation Received.	7/21/2022: Cleared. Documentation Received.
AFGUIW2212A	* Missing Documentation (Lvl R)	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.XX) shows the mortgage last reported XX/XXXX and the payoff statement (p.XXX) shows interest calculated from 6XX/XX/XXXX, evidencing the subject is due for XX/XX/XXXX Mortgage payment history for XX/XXXX thru XX/XXXX is required for the most recent 24 months housing payment history to be completed.		Liabilities are required to report within 90 days of the credit report. Credit reports are good for 120 days. The mortgage reported on time through 2/2022. Credit was pulled 4/2022. The mortgage liability was reporting within 90 days of the credit report which meets guideline requirement. Loan closed before the credit report expired (120 days) No update to the mortgage rating was required. Payoff provided is dated 6/2022 with interest from 6/1/2022-7/15/2022 and no late fees due which supports the account is paid UpToDate through 6/1/2022 which supports mortgage payments have been made on time from 3/2022-6/1/2022. The payoff showed no signs of any mortgage lates. We have sufficient documentation to show the mortgage was no more than 2x30 days late with what we have supplied. Requirement for a mortgage payment history from 3/2022-6/2022 should not be required.	8/31/2022: Resolved. The mortgage history is reporting along with the payoff letter to validate mortgage has been paid timely.	8/31/2022: Resolved. The mortgage history is reporting along with the payoff letter to validate mortgage has been paid timely.
AFGUIW2212A	* Title issue (Lvl R)	The final title policy (p.XXX) reflects the vesting as XXXX XXXXXX & XXXX X XXXXX whereas the deed (p.XX) reflects vesting as XXX XXXX XXand XXXX XXX XX, XX which matches the preliminary title. Moreover, per the co-borrowers ID, his name is XXX X. XXX XX.			8/23/2022: Resolved. Name affidavit received.	8/23/2022: Resolved. Name affidavit received.
2FERUIVGO1K	* Income documentation is incomplete (Lvl R)	Per the Financial Assessment Worksheet Addendum (page XX), the UW used income based on XXXX W2 income for the borrower $X,XXX and X,XXX or the co-borrower, also used schedules K1 average income for 24 months for the borrower $X,XXX and for the co-borrower $X,XXX. The only documentation on file for income is a XXXX and awards letter in the amount of $X,XXX.XX 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.			7/5/2022: Cleared. Documentation received.	7/5/2022: Cleared. Documentation received.
AHS5F1R4U0C	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the February XXXX 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 XX months. The subject loan closed on XX/XX/XXXX. The tax certificate on page XX of the loan file reflects a late tax payment on XX/XX/XXXX and a late tax payment on XX/XX/XXXX, which is within the previous 12 months.	$X,XXX.XX residual income exceeds $X,XXX minimum required residual income by $XXX.XX , XXX FICO exceeds XXX minimum FICO by XXX points, XX years occupancy of subject property.
TVJXBIHOPX3	* Missing Documentation (Lvl R)	The HO-6 policy in the file (p.XX) does not include the Mortgagee information and the file does not include evidence the policy is paid in full.			8/30/2022: Resolved. HOI Master Policy received showing Walls in coverage and the effective dates are XX/XX/XXXX - XX/XX/XXXX. Loan closed XX/XX/XXXX and the policy was already in effect for XXXX.	8/30/2022: Resolved. HOI Master Policy received showing Walls in coverage and the effective dates are XX/XX/XXXX- XX/XX/XXXX. Loan closed XX/XX/XXXX and the policy was already in effect for XXXX.
OTETXY4C0KQ	* Missing Documentation (Lvl R)	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.			9/1/2022: Resolved. Received HOA statement of account with no late pays reported.	9/1/2022: Resolved. Received HOA statement of account with no late pays reported.
OTETXY4C0KQ	* Missing Documentation (Lvl R)	Lender guidelines pageXX state If the Credit score is between XXX-XXX for all borrowers, a letter of explanation addressing the credit issues is required and a XXXX 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.			9/1/2022: Resolved. Validation of ok to approve at XXX score subject to PCSA received.	9/1/2022: Resolved. Validation of ok to approve at XXX score subject to PCSA received.
GZINQAWZQT3	* Missing Documentation (Lvl R)	The preliminary title (pXXX)and final title (p.XXX) reflect the borrower as a married woman, whereas the loan application (p.XXX) states she is unmarried. The discrepancy is not addressed and could possibly affect the Residual Income requirements.			8/30/2022: Resolved. The borrower owns this XX property and based on the guidelines pg XX and state requirement, this is the borrower's sole property therfore the non applicant spouse does not have recourse to this property.	8/30/2022: Resolved. The borrower owns this XX property and based on the guidelines pg XX and state requirement, this is the borrower's sole property therfore the non applicant spouse does not have recourse to this property.
W2UIVANB4AU	* Missing credit report (Lvl R)	The loan file is missing the credit report.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Good Faith Estimate missing or unexecuted (Lvl R)	The loan file is missing the GFE of closing costs.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Right of Rescission missing or unexecuted (Lvl R)	The loan file is missing the refinance 3 day right to cancel transaction.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing Title evidence (Lvl R)	The loan file is missing the title.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* HUD-1 Closing Statement missing or unsigned (Lvl R)	The loan file is missing the HUD.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing proof of hazard insurance (Lvl R)	The loan file is missing the hazard insurance policy and proof the hazard insurance was paid.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing Appraisal (Lvl R)	The loan file is missing the appraisal.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Credit history does not meet guidelines (Lvl R)	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.	None.		7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing Documentation (Lvl R)	The loan file is missing the annual certificate of occupancy.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Application Missing (Lvl R)	The loan file is missing the initial loan application.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing Documentation (Lvl R)	The loan file is missing the TALC-total amount loan costs.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing flood cert (Lvl R)	The loan file is missing the flood certificate.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Mortgage missing / unexecuted (Lvl R)	The loan file is missing the mortgage/deed of trust.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Final TIL Missing or Not Executed (Lvl R)	The loan file is missing the final TIL.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Missing Doc (Lvl R)	The loan file is missing the counseling certificate.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
W2UIVANB4AU	* Notice of Servicing Transfer missing or unexecuted (Lvl R)	The loan file is missing the notice of servicing transfer.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
5CWQJZI4V3M	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/28/2022: Cleared. Documentation received.	7/28/2022: Cleared. Documentation received.
NQDMZRJN1ZT	* Missing Documentation (Lvl R)	The Loan Submission Schedule is missing from the loan file.			9/26/2022: Resolved. Loan Submission Schedule received.	9/26/2022: Resolved. Loan Submission Schedule received.
D5UGJWYT1CI	* Missing Documentation (Lvl R)	The annual certificate of occupancy is missing from the loan file.			10/25/2022: Resolved. Documentation provided. 10/4/2022: Remains. Guidelines page XX/XX say all loan must have a CO - Refinances are required to provide CO prior to application. Tax records in file on page XXX do not show Homeowner Exemption as allowed per the state of CO.	10/25/2022: Resolved. Documentation provided. 10/4/2022: Remains. Guidelines page XX/XX say all loan must have a CO - Refinances are required to provide CO prior to application. Tax records in file on page XXX do not show Homeowner Exemption as allowed per the state of CO.
WCUVZLW3Z5D	* Income documentation is incomplete (Lvl R)	The loan file is missing documentation to support the XXXX/XXXX income of $X,XXX.XX listed on the Financial Assessment Worksheet.			8/30/2022: Resolved. Received pension income validation.	8/30/2022: Resolved. Received pension income validation.
Q2DDOTOBFEU	* Missing Documentation (Lvl R)	The financial assessment worksheet shows pension income but there is no documentation of the pension income found in the loan file.			9/1/2022: REsolved. Received Pension awards letter brining residual income over the $XXX required.	9/1/2022: REsolved. Received Pension awards letter brining residual income over the $XXX required.
RHOLQ41DSMC	* Missing Documentation (Lvl R)	The loan file is missing the Loan Submission Schedule.			9/7/2022: Resolved. Received Loan Submission Schedule.	9/7/2022: Resolved. Received Loan Submission Schedule.
WFH3PJGQMQH	* Missing Documentation (Lvl R)	Lender guidelines page XXX requires an HOA Questionnaire dated within XXX 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.XX) it appears these items were obtained and reviewed.			9/12/2022: Resolved. Received condo approval, with insurance, budget and reserves	9/12/2022: Resolved. Received condo approval, with insurance, budget and reserves
0ZMQLHWOFTT	* Asset documentation does not meet guideline requirment (Lvl R)	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.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
XJS3BMO2SAO	* Missing Doc (Lvl R)	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/XXXX and the payoff statement (p.XX) shows interest calculated from XX/XX/XXXX. evidencing the subject is due forZXX/XXXX. Mortgage payment history for XX/XXXX thru XX/XXXX is required for the most recent 24 months housing payment history to be completed.			8/31/2022: Resolved. The mortgage history reporting on credit and payoff validate mortgage obligation has been paid timely.	8/31/2022: Resolved. The mortgage history reporting on credit and payoff validate mortgage obligation has been paid timely.
XJS3BMO2SAO	* Missing Documentation (Lvl R)	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.		Updated credit attached updating both mortgages. Per Appraisal subject property meets 4000.1. In addition appraisal completed as is with no repairs needed. Per the 4000.1 this did not impact value and was considered in final value - this would be a cosmetic item and not a mandatory repair	8/31/2022: Resolved. The appraisal is completed AS IS and this is considered minor in repair.	8/31/2022: Resolved. The appraisal is completed AS IS and this is considered minor in repair.
XJS3BMO2SAO	* Missing Documentation (Lvl R)	The loan file is missing evidence the hazard insurance policy (p.XXX) was paid in full.			8/23/2022: Resolved. Documentation received.	8/23/2022: Resolved. Documentation received.
2RWTH1AWUN2	* Missing Documentation (Lvl R)	All the pages to the AVM with Vero are missing form the loan file. Only page one was provided.			9/26/2022: Resolved. Received all pages to Vero report.	9/26/2022: Resolved. Received all pages to Vero report.
SDNSLNXNVUE	* Evidence of Title Issues (Lvl R)	The preliminary title (p.XXX) reflects a State Tax Lien filed XX/XXXX. The file does not contain evidence this was satisfied. There is a payoff statement (p.XX) showing the payoff amount is $X,XXX.00 for XXXX and XXXX taxes; however, there is no evidence it was paid in the file and it was not paid off on the HUD1 Settlement Statement.			9/7/2022: Resolved. Received proof via HUD that taxes were pif. 8/30/2022: Remains. Received copy of HUD that shows taxes paid with both mortgages on title for the amount of $XXX.XX and $XXX.XX which is less than the payoff reported on page XXX of $X,XXX.XX for the tax liens with the state of XX.	9/7/2022: Resolved. Received proof via HUD that taxes were pif. 8/30/2022: Remains. Received copy of HUD that shows taxes paid with both mortgages on title for the amount of $XXX.XX and $XXX.XX which is less than the payoff reported on page XXX of $X,XXX.XX for the tax liens with the state of XX.
SDNSLNXNVUE	* Title issue (Lvl R)	The preliminary title (p.XXX) reflects a State Tax Lien filed XX/XXXX. The file does not contain evidence this was satisfied. There is a payoff statement (p.XX) showing the payoff amount is $X,XXX.00 for XXXX and XXXX taxes; however, there is no evidence it was paid in the file and it was not paid off on the HUD1 Settlement Statement.			9/7/2022: Resolved. Received proof via HUD that taxes were pif. 8/30/2022: Remains. Received copy of HUD that shows taxes paid with both mortgages on title for the amount of $XXX.XX and $XXX.XX which is less than the payoff reported on page XXX of $X,XXX.XX for the tax liens with the state of XX.	9/7/2022: Resolved. Received proof via HUD that taxes were pif. 8/30/2022: Remains. Received copy of HUD that shows taxes paid with both mortgages on title for the amount of $XXX.XX and $XXX.XX which is less than the payoff reported on page XXX of $X,XXX.XX for the tax liens with the state of XX.
R2SHK4200E0	* Missing Documentation (Lvl R)	The loan file is missing evidence the hazard insurance is paid in full. The invoice (p.XXX) states the balance due is $XXX.XX. The final HUD (p.XXX) reflects a Homeowners Insurance payment of $XX.XX only.			8/30/2022: Resolved. At the time of closing this insurance was paid through XX/XX/XXXX On XX/XX/XXXX $XX.XX is due and payable.	8/30/2022: Resolved. At the time of closing this insurance was paid through XX/XX/XXXX. On XX/XX/XXXX, $XX.XX is due and payable.
XO5DZURRYD5	* Mortgage/Rental lates exceed guidelines (Lvl 2)	Page XX of the XXXX 2022 guidelines states that 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. The credit report on page XXX of the loan file shows XX/XX day late mortgage payments within the previous 24 month period.	None.
XO5DZURRYD5	* Loan does not conform to program guidelines (Lvl 2)	Page XXof the XXXX 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 XX/XX/XXXX. The tax certificate on page XXX of the loan file reflects two late tax payments within the previous 12 months.	None.
RASSTEI432S	* Missing Documentation (Lvl R)	The loan file is missing evidence the hazard insurance policy ending XX/XX/XXXX in the amount of $X,XXX has been paid in full. The final HUD reflects a payment of only $XXX.XX (p.XX).			8/30/2022: Resolved the policy is a renewal of previous policy and the additional funds at closing were to add the extended replacement cost coverage.	8/30/2022: Resolved the policy is a renewal of previous policy and the additional funds at closing were to add the extended replacement cost coverage.
NAXGOWUU0V4	* Missing Documentation (Lvl R)	Page XX of theXXXX 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 XX/XX/XXXX. 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 XX/XX/XXXX reflects a $X,XXX,XXX. value.			9/1/2022: Resolved. Redbell report prior to closing received to fulfill requirement.	9/1/2022: Resolved. Redbell report prior to closing received to fulfill requirement.
BZGHEJBAD2J	* Income documentation is incomplete (Lvl R)	Per the Financial Assessment Worksheet (p.XX) and Financial Worksheet Addendum (p.XX) the borrower received pension income of $X,XXX.XX/month and Social Security of $X,XXX.XX/month for total income of $X,XXX.XX. The addendum states "Verified Pension $X,XXX.XX per bank statements and award ltr". The loan file is missing the bank statements and award letter documenting the XXXX income of $X,XXX.XX Without this income, the Residual income requirement has not been met.			8/31/2022: Resolved. Received XX XXXXX statement showing direct deposits,	8/31/2022: Resolved. Received XX XXXXX statement showing direct deposits,
XBUMTLEYSXF	* Loan does not conform to program guidelines (Lvl 2)	Page 65 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 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 page 1022 of the loan file reflects 1 delinquent tax payment for 2/1/2022 which is within the previous 12 months of the 9/2/2022 closing date.	LTV/CLTV is 58.9% 729 qualifying score exceeds minimum required score of 600 by 129 points. The borrowers have resided in the subject property for 44 years		9/26/2022: Received validation 7/2021 - 6/2022 were pif on 6/8/2022. These were paid with a penalty of $73.45.	9/26/2022: Received validation 7/2021 - 6/2022 were pif on 6/8/2022. These were paid with a penalty of $73.45.
XBUMTLEYSXF	* Income documentation is incomplete (Lvl R)	The Financial Assessment Worksheet reflects pension/retirement income of X,XXX/month and XX Income of $X,XXX/month for total income of $X,XXX The XX Income is documented; however, the loan file is missing documentation to support the XXXX income. Lender guidelines page XX states XXXX income must be verified from the former employer, or from Federal tax returns.			9/26/2022: Resolved. Receive XXXXX Annuity Awards statement	9/26/2022: Resolved. Received XXXX XXXXX statement
XBUMTLEYSXF	* Missing Documentation (Lvl R)	The appraisal (p.XXX) does not reflect address the solar panels; however, the photo clearly shows solar panels on the subject roof (p.XXX). The loan file contains aa Solar invoice dated XX/XX/XXXX 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.			9/26/2022: Resolved. Received validation the account was pif in XXXX.	9/26/2022: Resolved. Received validation the account was pif in XXXX.
JGRO0VCI3I4	* Missing Documentation (Lvl R)	The income documentation is missing from the loan file.			8/30/2022: Resolved. Received both borrowers social security verification.	8/30/2022: Resolved. Received both borrowers XXX verification.
AL1YYY2QQXZ	* Income documentation is incomplete (Lvl R)	The loan was approved using $X,XXX in XX XX income. The file did not contain documentation of income.			9/12/2022: Resolved. received XX XXXX letter verifying $X,XXX monthly.	9/12/2022: Resolved. received XX XXXX verifying $X,XXX,XX monthly.
IC5JVFYS1SL	* Missing Documentation (Lvl R)	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.			9/26/2022: Resolved. Received Bank Statement validating the asset dissipation income of $XXX monthly.	9/26/2022: Resolved. Received Bank Statement validating the asset dissipation income of $XXX.XX monthly.
DYHX4BWRKCJ	* Missing Documentation (Lvl R)	Proof of VA/ disability benefits is missing from the loan file.			9/1/2022: Resolved. Received awards letter for XX making residual greater than $XXX required.	9/1/2022: Resolved. Received awards letter for XXXmaking residual greater than $XXXrequired.
BRWLZWGVYRG	* Final TIL Missing or Not Executed (Lvl R)	The loan file is missing the final TIL.			9/7/2022: Resolved TIL Disclosure received	9/7/2022: Resolved TIL Disclosure received
K5E34XTA2K3	* Income documentation is incomplete (Lvl R)	Per the application and Loan Submission Form, the borrower was qualified with Social Security, IRA and Checking/Savings income. The file did not contain documentation of $XX,XXX from XXXX/XXX used for asset dissipation.			9/26/2022: Resolved. Received validation of the additional assets for asset dissipation income.	9/26/2022: Resolved. Received validation of the additional assets for asset dissipation income.
WZ00R5K3FAX	* Income documentation is incomplete (Lvl R)	The loan was approved using $X,XXX.XX in employment income. The file did not contain any documentation to support the income.			9/12/2022: Resolved. received current paystub, XXXX W2 and VOE.	9/12/2022: Resolved. received current paystub, XXXX W2 and VOE.
QHN1EVDSJ04	* Title issue (Lvl R)	The preliminary title (p.XX) states there is a lien for unsecured property taxes in the amount of $XXX.XX for year XXXX-XXXX and evidence of satisfaction or release is required. The loan file is missing evidence of the satisfaction or release of the cited lien.			9/26/2022: Resolved. Received Validation from the title agent that this is not the borrower's lien. 9/7/2022: Remains. Received a copy of the Judgment for taxes but did not received validation these have been paid. It does not appear on the HUD and the Judgment in the last paragraph shows the Certificate of Lien for unsecured property taxes as open.	9/26/2022: Resolved. Received Validation from the title agent that this is not the borrower's lien. 9/7/2022: Remains. Received a copy of the Judgment for taxes but did not received validation these have been paid. It does not appear on the HUD and the Judgment in the last paragraph shows the Certificate of Lien for unsecured property taxes as open.
QHN1EVDSJ04	* Evidence of Title Issues (Lvl R)	The preliminary title (p.XX) states there is a lien for unsecured property taxes in the amount of $XXX for year XXXX-XXXX and evidence of satisfaction or release is required. The loan file is missing evidence of the satisfaction or release of the cited lien.			9/26/2022: Resolved. Received verification from the closing agent this is not the borrower lien. 9/7/2022: Remains. Received a copy of the Judgment for taxes but did not received validation these have been paid. It does not appear on the HUD and the Judgment in the last paragraph shows the Certificate of Lien for unsecured property taxes as open.	9/26/2022: Resolved. Received verification from the closing agent this is not the borrower lien. 9/7/2022: Remains. Received a copy of the Judgment for taxes but did not received validation these have been paid. It does not appear on the HUD and the Judgment in the last paragraph shows the Certificate of Lien for unsecured property taxes as open.
JETI1BSRILA	* Missing Documentation (Lvl R)	Per the Fraud Guard (p.XX) the borrower owns a property located at XXXX XXXX XX ; however, the loan application (p.XX) states it is sold. The loan file does not contain the HUD1 Settlement Statement to confirm the property has been sold.			9/12/2022: Resolved. Property is not in borrowers name but ex spouses name. Validation received.	9/12/2022: Resolved. Property is not in borrowers name but ex spouses name. Validation received.
0JFYK25HISB	* Missing Documentation (Lvl R)	Page xx 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 XXX 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 XXXX XXX XXXXXX.			9/12/2022: Resolved. Received copy of HUD 1 from the sale of XXXX XXXX netting $XXX,XXX	9/12/2022: Resolved. Received copy of HUD 1 from the sale of XXXX XX XXXX $XXX,XXX
TVFZDL3EVSC	* Missing Documentation (Lvl R)	The property tax certificate is missing from the loan file.			10/7/2022: Resolved. Received Tax cert that shows the unimproved land information as home was subject to completion.	10/7/2022: Resolved. Received Tax cert that shows the unimproved land information as home was subject to completion.
TVFZDL3EVSC	* Missing Doc (Lvl R)	The final deed transferring the property to the borrowers name was not located in the loan file.			10/7/2022: Resolved. Received copy of deed transferring the property into the borrowers name.	10/7/2022: Resolved. Received copy of deed transferring the property into the borrowers name.
LU2EF0BKU5I	* Income documentation is incomplete (Lvl R)	The Financial Assessment worksheet (p.XX) reflects, in addition to the XXX XXX income, there is Asset Dissipation income of $XXX/month based on an XXXX XXXX account #XXXX per the final loan application (p.XXX). The loan file is missing the bank statements to support this income. Without this income, the Residual Income requirement will not be met.			10/7/2022: Resolved. Received copy of bank statement for asset dissipation.	10/7/2022: Resolved. Received copy of bank statement for asset dissipation.
UAVI1PHYB2K	* Missing Documentation (Lvl R)	The proof of XXX XXX income for the Co-borrower is missing from the loan file.			10/25/2022: Resolved. XX documentation received.	10/25/2022: Resolved. XX documentation received.
V1PSFDVO00T	* Final Application is missing (Lvl R)	The loan file is missing the final loan application dated XX/XX/XXXX.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
V1PSFDVO00T	* Missing Documentation (Lvl R)	The loan file is missing the loan HECM submission form.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
V1PSFDVO00T	* Note is missing or unexecuted (Lvl R)	The loan file is missing the Note.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
V1PSFDVO00T	* Mortgage missing / unexecuted (Lvl R)	The loan file is missing the Mortgage/Deed of Trust.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
V1PSFDVO00T	* Condo / PUD rider Missing (Lvl R)	The loan file is missing the PUD Rider to the Mortgage as the appraisal shows the subject property is a PUD.			7/21/2022: Cleared. Documentation received.	7/21/2022: Cleared. Documentation received.
5UOORDTNBSJ	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022:Resolved. Field review recd supporing the value within 10.00%.	1/5/2022:Resolved. Field review recd supporing the value within 10.00%.
FYLPGL5CD3C	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
3EFDVFMKKHA	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
DM2ODEBRUQP	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXX 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 onXX/XX/XXXX The tax certificate on page XX of the loan file reflects a late tax payment on XX/XX/XXXX which is within the previous 12 months.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region XXX credit score exceeds XXX minimum required credit score by XXX points Mortgage history is reporting XX months 0x30 vs XX months required Borrower has been in home for 35 years
EFTKM5MA2BV	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
Q30MLSR1KU1	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
FDU04NCQBDT	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
WT0JXSOZV2M	* Maximum Claim Amount: - Missing (Lvl R)	The loan file was missing documentation to support the maximum claim amount and Lending Value $X,XXX,XXX The 1004 in the loan file, page XXX, and RedBell VRR, page XXX, documented a value of $X,XXX,XXX			6/27/2022: Resolved. An appraisal update was received verifying value of $X,XXX,XXX	6/27/2022: Resolved. An appraisal update was received verifying value of $X,XXX,XXX.
WT0JXSOZV2M	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
ZXZT31ROSBF	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
RCXGM2ZTOK4	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
Q0L3ZPRDEOT	* Appraised value not supported. Form Type and CU Score (Lvl 3)	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 12.663% less than the appraised value. The appraised value of the subject property is not supported.			1/5/2022: Exception remains. Field review does not support the value within 10.00%.	1/5/2022: Exception remains. Field review does not support the value within 10.00%.
FXZQ2WSBD31	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
OODAY5JILE2	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
1TBF1F4DZEK	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
SQB4KVATE2B	* Appraised value not supported. Form Type and CU Score (Lvl R)	Third Party Desk review does not support the Appraisal Value within 10% tolerance.			1/5/2022: Resolved. Field Review recd supporting the value.	1/5/2022: Resolved. Field Review recd supporting the value.
NCQQ1ZL0ZTD	* Post-closing Desk Review does not support value at origination (Lvl R)	The subject property appraised as is for $XXX,XXX. Page XXX of the XXXX guidelines states that one appraisal and an Automated Valuation Model (AVM) are required for property values up to $XXXXXX The Vero Value AVM on page XX reflects a $XXX,XXX value which is 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 post-origination RedBell value is $XXX,XXX which is XX.XX% less than the appraised value.		1/5/2023 Post fund Field Review supports value.	1/5/2023 Exception resolved.	1/5/2023 Exception resolved.
NCQQ1ZL0ZTD	* Pre-closing Desk Review does not support value at origination (Lvl R)	The subject property appraised as is for $XXX,XXX. Page XXX of the XXXX 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 XX reflects a $XXX,XXX value which isXX.XXX% less than the appraised value. The appraised value of the subject property was not supported.		1/5/2023 Post fund Field Review supports value.	1/5/2023 Exception resolved.	1/5/2023 Exception resolved.
NCQQ1ZL0ZTD	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXXX 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 XX/XX/XXXX. The tax certificate on page XX of the loan file reflects a late tax payment on XX/XX/XXXX and a late tax payment on XX/XX/XXXX which is within the previous 12 months of the closing date.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region XXX credit score exceeds XXX minimum required credit score by XXX points the mortgage history is reporting XX months 0x30 vs XX months required X years of occupancy in the subject property
NCQQ1ZL0ZTD	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXXX 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 XX/XX/XXXX. The tax certificate on page XXX of the loan file reflects a late tax payment on XX/XX/XXXX and a late tax payment on XX/XX/XXXX, which is within the previous 12 months of the closing date.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region XXX credit score exceeds XXX minimum required credit score by XXX points the mortgage history is reporting XX months XXX vs XX months required Xyears of occupancy in the subject property
USCW0OWN3X3	* Residual income does not meet guidelines (Lvl 2)	The residual income of -$XXXX, does not meet the residual requirement of $XXX monthly, without the use of HECM proceeds.	Monthly income from dissipating available XXXX proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region, XXX FICO exceeds XXX minimum by XX points, XX years occupancy of subject property.
USCW0OWN3X3	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXXX 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 XX/XX/XXXX The tax certificate on page XXXX reflects XXXX Installment X taxes billed in the amount of $XXXX. and due onXX/XX/XXXX were paid late in the amount of $XXXX. on XX/XX/XXXX, which is within the previous 12 months.	XXX FICO exceeds XXX minimum by XX points, XX years occupancy of subject property.
TILR55ER03M	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXXX 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 XX/XX/XXXX The credit report on page XXX reflects a Discover charge off on XX/XXXX and a XXXXCard charge off on XX/XXXX, within the previous 24 months.	$XXXX residual income exceeds $XXX minimum requirement by $XXX, XXX credit score exceeds XXX minimum requirement by XX points, the mortgage history is reporting XX month 0x30 vs 24 months required, XX years occupancy of the subject property.
BNDFSHP3NBK	* Credit score does not meet guidelines (Lvl 2)	Page XX of the XXXX 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, XXX Lead or UW Channel Lead approval. The borrower has a XXX credit score and the co-borrower has a XXX credit score.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region, XX consecutive timely monthly mortgage payments made as agreed, XX years occupancy of subject property.
T0BUXUA3L5O	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXXX 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 XX months. The subject loan closed on XX/XX/XXXX. The tax certificate on page XXXXXof the loan file reflects a late tax payment on XX/XX/XXXX, which is within the previous XX months.	$XXXX residual income exceeds $XXX minimum required residual income by $XXX XXX credit score exceeds XXX minimum required credit score by XXX points XX.XX% HLTV.
D2OPSDMBRZT	* Residual income does not meet guidelines (Lvl 2)	The residual income of $XXX, does not meet the residual requirement of $XXX monthly, without the use of HECM proceeds.	Monthly income from dissipating available HECM proceeds that if counted results in Residual Income that equals or exceed minimum required based on family size and region. Borrower resides in the subject property for XX years. XX% HLTV.
D2OPSDMBRZT	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXX 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 XX months. The tax certificate on page XX of the loan file reflects late tax payments on XX/XX/XXXX and XX/XX/XXXX, which is within XX months of the XX/XX/XXXX subject closing date.	Borrower has resided in subject for XX years XX.XX% HLTV.
OQYSTI0YXFE	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXX 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 XX months. The subject loan closed on XX/XX/XXXX. The real estate tax report on page XXX of the loan file reflects a late tax payment on XX/XX/XXXX which is within the previous XX months of the subject transaction.	$XXXX residual income exceeds $XXX minimum required residual income by $XXXX the Borrower has been in home for XX years XXX credit score exceeds XXX minimum required credit score by XX points XX/XX LTV/CLTV
2NGQ2EO5JT4	* Loan does not conform to program guidelines (Lvl 2)	Page XX of the XXXX guidelines states that all housing debt payments must have been paid on on-time for the previous XX months. The subject loan closed on XX/XX/XXXX The credit report on page XXX of the loan file reflects a late mortgage payment onXX/XXXX	$XXXX residual income exceeds $XXX minimum required residual income by $XXXX XXX credit score exceeds XXX minimum required credit score by XX points Borrower has been in home for XX years