Exhibit 99.1 Schedule 3

 

Exception Grades

 

AMC Loan ID Customer Loan ID Edgar Loan IDs Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Final Loan Grade		 Credit
Final Loan Grade		 Compliance
Final Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
XXXX XXXX PRPM 2025-RPL4-100102   XXXX XXXX XX/XX/XXXX Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided                   3 C XX/XX/XXXX XX Primary Refinance - Rate/Term   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100102   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $xxx is underdisclosed from calculated Finance Charge of $xxx in the amount of $260.94. File is underdisclosed by $260.94,missing final TIL itemization to determine reason for underdisclosure.               2 B XX/XX/XXXX XX Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100102   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Subject refi plus loan was approved without an appraisal, however, 2 valuations are required for securitization.               3 D XX/XX/XXXX XX Primary Refinance - Rate/Term   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100103   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Appraisal is not required per DU and review, however the loans is slated to a future securitization, and therefore an appraisal is required.               3 D XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100103   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $xxx is underdisclosed from calculated Finance Charge of $xxx in the amount of $1,998.18. Final TIL Finance Charge of $xxx is underdisclosed from calculated Finance Charge of $xxx in the amount of $1,998.18.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100104   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) -  Loan Amount on Final GFE Inaccurate RESPA (2010): Loan Amount on Final GFE does not match Note. The loan amount of $XX,XXX does not match final GFE loan amount of $XX,XXX.               2 B XX/XX/XXXX XX Primary Purchase   B A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100104   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) -  Initial Payment on GFE Inaccurate RESPA (2010): Initial payment on GFE does not match actual payment on loan. Payment on GFE of $XXX.XX doesn't match loan payment of $XXX.XX.               2 B XX/XX/XXXX XX Primary Purchase   B A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100104   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) -  Initial Payment on Final HUD-1 Inaccurate RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. The final HUD-1 datedXX/XX/XXXX includes an initial mortgage payment of $XXX.XX, comprised of principal, interest, and mortgage insurance; however, it does not match the final loan payment amount of $ $XXX.XX which was calculated from the loan data. This is due to the insurance.               2 B XX/XX/XXXX XX Primary Purchase   B A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100104   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Auditor was not able to locate evidence in the file that the creditor provided a copy of the HUD Settlement Cost Booklet to the borrower.               2 B XX/XX/XXXX XX Primary Purchase   B A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Credit Insurance Insurance Analysis Insurance Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date XX/XX/XXXX, Note Date XX/XX/XXXX Existing HOI policy due for renewal within 90 days of note.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID TRID Revised Loan Estimate Received Date >  Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) Revised LE not signed, 3 day rule puts it same day as initial CD e-sign date of X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXXXXX) Evidence of earlier receipt missing from file.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Compliance Compliance State Compliance Misc. State Level Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) Massachusetts Mortgage Lender and Broker Regulation:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable Refi plus loan, stated income with verification of employment.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided                   3 C XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100105   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Subject Refi Plus loan was approved without an appraisal, however, 2 valuations are required for securitization.               3 D XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided                   3 C XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   Missing modification terms for the 2nd lien.               3 C XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID TRID Revised Loan Estimate Received Date >  Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXas electronically signed onXX/XX/XXXXhowever there is another LE datedXX/XX/XXXXhich is not signed and calculated date of delivery is XX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID TRID Revised Loan Estimate Received Date >  Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXalculated date of delivery isXX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXas electronically signed onXX/XX/XXXXhowever there is another LE datedXX/XX/XXXXhich is not signed and calculated date of delivery is XX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXalculated date of delivery isXX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XXXX not received by borrower at least four (4) business days prior to closing. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXalculated date of delivery isXX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Subject Refi Plus loan was approved with an appraisal, however, 2 valuations are required for securitization.               3 D XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100106   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID TRID Revised Loan Estimate Received Date >  Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate XX/XX/XXXX received on or after the date the Closing DisclosureXX/XX/XXXX 12:00:00 AM was received. (InterXX/XX/XXXXXXX) LE datedXX/XX/XXXXalculated date of delivery isXX/XX/XXXXnd closing was on X/X/XX.               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE No Defined Cure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100107   XXXX XXXX XX/XX/XXXX Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Loan file is missing the fraud report.               3 C XX/XX/XXXX XX Primary Refinance - Rate/Term   D D A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100107   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Two appraisals are needed for securitization and were not provided.               3 D XX/XX/XXXX XX Primary Refinance - Rate/Term   D D A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100107   XXXX XXXX XX/XX/XXXX Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   Subordinate lien missing from loan file.               3 C XX/XX/XXXX XX Primary Refinance - Rate/Term   D D A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100108   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $450.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7561) LE dated XX/XX/XXXX disclosed fee of $450.00               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100108   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7567) LE dated XX/XX/XXXX disclosed fee of $300.00               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100108   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee.  Fee Amount of $135.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75200) LE dated XX/XX/XXXX disclosed fee of $135.00               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100108   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/XXXX disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (FinXX/XX/XXXXXXX) Dollar amount was not disclosed               2 B XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100108   XXXX XXXX XX/XX/XXXX Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided                   3 D XX/XX/XXXX XX Primary Refinance - Limited Cash-out GSE   D D B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) -   GFE Settlement charges Good Thru Date Less than 10 Days RESPA (2010):  GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.  GFE provided XX/XX/XXXX disclosed Initial Estimate for all other settlement charges Available Through XX/XX/XXXX, however XX/XX/XXXX would provide 10 days.               2 B XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure -  HUD Settlement Cost Booklet Missing RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. Creditor did not provide HUD Settlement Cost Booklet.               2 B XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Creditor did not provide List of Homeownership Counseling Organizations to borrower.               2 B XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance TILA Final TIL Finance Charge Under Disclosed Truth In Lending Act: Final TIL Finance Charge of $xxx is underdisclosed from calculated Finance Charge of $xxx in the amount of $600.13. Final TIL Finance Charge of $xxx is under disclosed from calculated Finance Charge of $xxx in the amount of $600.13.  The Itemization of Amount Financed did not include the Home Inspection ($525) or an additional $75 in Settlement Fees.               2 B XX/XX/XXXX XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: Borrower: XXXXXXXXXXXX 1040 (XXXX) Income Documentation not provided per AUS/DU:
XXXX Personal Tax Returns with all pages and schedules, signed and dated not provided.		               3 C XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) – Written Service Provider List Missing RESPA (2010):  Borrower not provided with list of service providers. Borrowers not provided with list of service providers, however the Affiliated Business Arrangement Disclosure provider does state that the providers listed do not have to be used by the borrower and they can shop for services.               2 B XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   No evidence of fraud report in file.               3 C XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Compliance Compliance Federal Compliance RESPA RESPA (2010) - 10% Tolerance Without Cure RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided. No evidence of cure in file               2 B XX/XX/XXXX XX Primary Purchase Provide the following: Letter of Explanation, Proof of Delivery, and Refund check C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
XXXX XXXX PRPM 2025-RPL4-100109   XXXX XXXX XX/XX/XXXX Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of XX.XXXX% exceeds AUS total debt ratio of 41.98000%. Confirmed DTI exceeds AUS value based on documents in file; B1 income less than lender calculation, B2 income insufficiently documented.               3 C XX/XX/XXXX XX Primary Purchase   C C B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No