HOMES 2025-NQM3 TRUST ABS-15G

 

 

Exhibit 99.3 Schedule 3

 

Loan ID Redaction ID Investor Loan ID Transaction ID Field Name Source Verified Value Bid Tape Value Comment
XXXX 385551 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Note Date XXXX Disbursement Date XXXX; Tape Data Unknown
XXXX 385551 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Note Date XXXX Disbursement Date XXXX; Tape Data Unknown
XXXX 391568 XXXX XXXX Index notePage 5.3364 5.3508 per Index
XXXX 391568 XXXX XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 12.12 Per Note
XXXX 391568 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 391568 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per Final CD
XXXX 396865 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 404412 XXXX XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 11.75 Per Note
XXXX 404412 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 404412 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd 
XXXX 408393 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd 
XXXX 408393 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final cd 
XXXX 408403 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 408403 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 413152 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final cd.
XXXX 413152 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final cd.
XXXX 413160 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 413163 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per CD
XXXX 413163 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per CD
XXXX 414566 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per final CD. 
XXXX 414566 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 414568 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 414570 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 414570 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 417733 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX As per audit, Final CD 
XXXX 417739 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 417739 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD.
XXXX 417740 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final cd
XXXX 417740 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final cd
XXXX 417753 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per PCCD
XXXX 417755 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per Final CD
XXXX 417755 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per Final CD
XXXX 417755 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX per appraisal provided
XXXX 417758 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd 
XXXX 417762 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final CD.
XXXX 417763 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 422250 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 422250 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 422260 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD.
XXXX 422260 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD.
XXXX 422261 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per post close Closing Disclosure in file.
XXXX 422261 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per post close Closing Disclosure in file.
XXXX 422263 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Final CD
XXXX 422263 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Final CD
XXXX 422268 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per CD
XXXX 422268 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per CD
XXXX 425627 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 425629 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 425631 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 425631 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 425640 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 425640 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 425649 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 425649 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 428663 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per CD
XXXX 428667 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 428667 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 428674 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 428674 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 428690 XXXX XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 12.12 Note.
XXXX 428690 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 428692 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 428692 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 428704 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 430770 XXXX XXXX Maturity Date notePage XXXX XXXX Per Note
XXXX 430770 XXXX XXXX First Payment Date notePage XXXX XXXX Per Note
XXXX 430770 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per PCCD
XXXX 430770 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per PCCD
XXXX 430782 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per CD
XXXX 432779 XXXX XXXX First Payment Date notePage XXXX XXXX Per Note
XXXX 432779 XXXX XXXX Maturity Date notePage XXXX XXXX Per Note
XXXX 432779 XXXX XXXX Closing/Settlement Date closingDetailsNonCompliancePage XXXX XXXX Per Final CD
XXXX 432779 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final CD
XXXX 432781 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX per cd
XXXX 432781 XXXX XXXX Closing/Settlement Date closingDetailsNonCompliancePage XXXX XXXX per cd
XXXX 432784 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per cd
XXXX 432791 XXXX XXXX ARM Lifetime Interest Rate Cap Maximum notePage 5 11.75 Per executed note in file.
XXXX 432791 XXXX XXXX First Interest Rate Change Date notePage XXXX XXXX Per executed note in file.
XXXX 432791 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 432791 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 432791 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 38.58 45.09 Start Rate at Fully Amortized Payment used to qualify. Lender 1008 reflects 2.625% above Note Rate.   
XXXX 432795 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD.
XXXX 432795 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 432795 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.15 25.00 True Data Correct: DTI matches Lender Approval. Tape Data Unknown. 
XXXX 436567 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD. 
XXXX 436569 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final cd
XXXX 436576 XXXX XXXX Borrower 1 Last Name notePage XXXX XXXX Per Note
XXXX 436576 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 436576 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 439721 XXXX XXXX Closing/Settlement Date closingDetailsNonCompliancePage XXXX XXXX Per final CD
XXXX 440819 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 440819 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 445203 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 445203 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per PCCD
XXXX 447193 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 447596 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Closing Disclosure
XXXX 447596 XXXX XXXX Primary Appraised Property Value propertyValuationPage XXXX XXXX Per appraisal (Tape is prior purchase price)
XXXX 450345 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 450349 XXXX XXXX Qualifying LTV propertyValuationPage 65.15 64.18 The Tape LTV is based off a sales price of XXXX. The CD reflects actual sales price is XXXX
XXXX 450349 XXXX XXXX Qualifying CLTV propertyValuationPage 65.15 64.18 The Tape CLTV is based off a sales price of XXXX. The CD reflects actual sales price is XXXX
XXXX 450349 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 450349 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per final CD
XXXX 450349 XXXX XXXX Sales Price propertyValuationPage XXXX XXXX Per CD - the sales price is XXXX
XXXX 450350 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 450350 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final Cd
XXXX 453036 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX per Final CD
XXXX 455934 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 39.22 26.99 Due to higher PITI payment on departure residence.
XXXX 456564 XXXX XXXX Qualifying FICO creditLiabilitiesPage 629 645 Per credit report 
XXXX 456573 XXXX XXXX Qualifying FICO creditLiabilitiesPage 717 779 Primary wage earner mid FICO
XXXX 457607 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 50.81 69 Per asset statement
XXXX 457827 XXXX XXXX Total Qualifying Income employmentIncomePage 7861.77 9296.28 Audit calculated using a 15% expense factor for service related co-mingled personal bank statements.
XXXX 457827 XXXX XXXX Borrower 1 Qualifying Income employmentIncomePage 7861.77 9296.28 Audit calculated using a 15% expense factor for service related co-mingled personal bank statements.
XXXX 457827 XXXX XXXX Total Qualified Assets Available For Reserves assetPage 74019.98 30617.32 per assets provided. 
XXXX 457827 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 6.84 10.00 per assets provided and audit final PITI.
XXXX 457827 XXXX XXXX Originator QM Status diligenceFinalLookPage QM: Higher Priced APOR (APOR HP) Non-QM: Lender documented all ATR UW factors True data is not populating correct entry; should be QM: Higher Priced APOR (APOR HP)
XXXX 457827 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 44.71 18.62 Audit calculation resulted in lower monthly income including a 15% expense factor. Unable to support lender income figure. 
XXXX 457827 XXXX XXXX Loan Program businessPurposeApprovalandGuidelinePage XXXX XXXX This is not a DSCR loan, cannot use XXXX guides. 
XXXX 459304 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 27.68 24.91 per audit and the 1003/Tape Data unknown
XXXX 459733 XXXX XXXX B1 Credit Report Date creditLiabilitiesPage 11-14-2024 10/23/2024 Per credit report.
XXXX 459733 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 28.64 0.00 Proceeds from sale of the departing primary..
XXXX 459733 XXXX XXXX Total Qualified Assets Available For Reserves assetPage 213450.07 114969.64 Proceeds from sale of the departing primary.
XXXX 459733 XXXX XXXX Originator QM Status diligenceFinalLookPage Non-QM: Lender documented all ATR UW factors ATR/QM: Exempt Per ATR/QM calculation.
XXXX 459853 XXXX XXXX Closing/Settlement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 459853 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX Per Final CD
XXXX 471184 XXXX XXXX Property Type propertyValuationPage Townhouse PUD See appraisal
XXXX 471184 XXXX XXXX Total Qualified Assets Available For Reserves assetPage 69802.34 263925.40 per verified assets
XXXX 471184 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 44.15 169.00 per verified assets 
XXXX 472172 XXXX XXXX Prepayment Penalty Calculation notePage 5%, 4%, 3% 3%, 2%, 1% Per PPP Addendum.
XXXX 472172 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.008 1.02 Audit used 80% of STR from XXXX
XXXX 476851 XXXX XXXX Business Entity EIN businessPurposePage XXXX XXXX Based on EIN docs in file. 
XXXX 476851 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.341 1.38 Audit calculated a less PITI payment than the approval.
XXXX 476854 XXXX XXXX Property Type propertyValuationPage PUD Single Family Detached Per Title
XXXX 479594 XXXX XXXX Qualifying Total Reserves Number of Months assetPage 7.27 30.00 Per documented assts-Gifts not eligible for reserves
XXXX 480795 XXXX XXXX Business Purpose Flag businessPurposePage Yes No Purchase investment
XXXX 480799 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 29.01 20.92 Current primary does not appear to be taken into consideration in the DTI.
XXXX 489249 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.178 1.06 Lender calculation not provided, unable to determine discrepancy
XXXX 489251 XXXX XXXX Business Purpose Flag businessPurposePage Yes No Investment - Per Business Purpose Affidavit.
XXXX 489251 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 31.1 45.50 Audit is within 2% of 1008 DTI of 29.22%
XXXX 489254 XXXX XXXX Qualifying FICO creditLiabilitiesPage 793 778 Highest mid score per guidelines 
XXXX 489255 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 8.08 14.76 Submitted as Investment, file documents show as Primary since there is nowhere else the borrower is residing.  When we use the housing expense and treated it like a primary, the ratios are 6.64%. Qualifying housing expense match the final 1003, not the tape DTI.
XXXX 492773 XXXX XXXX First Payment Date notePage XXXX XXXX Per Note
XXXX 492773 XXXX XXXX Maturity Date notePage XXXX XXXX Per Note
XXXX 492773 XXXX XXXX Interest Rate notePage 7.375 7.6250 Per Note
XXXX 502316 XXXX XXXX Note Date notePage XXXX XXXX Per note
XXXX 502321 XXXX XXXX Note Date notePage XXXX XXXX per note
XXXX 502321 XXXX XXXX Calculated DSCR diligenceFinalLookPage 1.503 1.37 used higher of lease or market rents if not > 20% difference per GL
XXXX 502326 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 502326 XXXX XXXX Property Type propertyValuationPage Two to Four Unit Single Family Detached Per appraisal
XXXX 502332 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 502334 XXXX XXXX Note Date notePage XXXX XXXX per note
XXXX 503496 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 503496 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per final CD
XXXX 504259 XXXX XXXX Note Date notePage XXXX XXXX Per Note 
XXXX 504800 XXXX XXXX Note Date notePage XXXX XXXX per Note
XXXX 504800 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 3706.74 DSCR loan
XXXX 504804 XXXX XXXX Note Date notePage XXXX XXXX Per note
XXXX 504804 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 6170.95 DSCR
XXXX 504806 XXXX XXXX Is the Condo Project warrantable propertyValuationPage Yes No Per Condo Questionnaire
XXXX 504872 XXXX XXXX Note Date notePage XXXX XXXX Per Note 
XXXX 504872 XXXX XXXX Cash Disbursement Date finalCdDetailPage XXXX XXXX per Final CD 
XXXX 504872 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 40.03 44.73 Audit income/debts match 1008
XXXX 504877 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 504877 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD
XXXX 504877 XXXX XXXX Is the Condo Project warrantable propertyValuationPage Yes No Per Condo Questionnaire
XXXX 504884 XXXX XXXX Note Date notePage XXXX XXXX per note
XXXX 505817 XXXX XXXX Note Date notePage XXXX XXXX Per Executed note
XXXX 505817 XXXX XXXX ULI the1003Page XXXX XXXX per 1003; tape includes the loan number
XXXX 506073 XXXX XXXX Note Date notePage XXXX XXXX As per Note
XXXX 506073 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX As per Final CD
XXXX 506073 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 0 44.65 DSCR
XXXX 508620 XXXX XXXX Is the Condo Project warrantable propertyValuationPage Yes No Per Questionnaire & Guidelines; Tape Data Unknown
XXXX 508630 XXXX XXXX Note Date notePage XXXX XXXX Per Note.
XXXX 511478 XXXX XXXX Note Date notePage XXXX XXXX Per note
XXXX 511478 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per note
XXXX 511478 XXXX XXXX Qualifying Total Debt Income Ratio diligenceFinalLookPage 49.14 39.84 Audit calculated higher REO debt
XXXX 512026 XXXX XXXX Note Date notePage XXXX XXXX per note
XXXX 515874 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 515874 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per Final CD
XXXX 518583 XXXX XXXX Note Date notePage XXXX XXXX Per Note
XXXX 518583 XXXX XXXX Cash Disbursement Date closingDetailsNonCompliancePage XXXX XXXX Per CD
XXXX 555033 XXXX XXXX Note Date notePage XXXX XXXX Per Note