Exhibit 99.7 Schedule 4
Exception Detail
Run Date - 05/14/2025 9:41:43 AM
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 1445133 | XXXXXXXXXXXX | XXXXXXXXXXXX | 6987968 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | LTV of XX.XX% exceeds guideline of XX.XX% for short term rental usage to calculate XXXX | Reserves exceed guideline requiredments, depth of credit prior housing history | 11/01/2022 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1445133 | XXXXXXXXXXXX | XXXXXXXXXXXX | 6987059 | 110 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - legal description is missing. | Information provided | 11/07/2022 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1445133 | XXXXXXXXXXXX | XXXXXXXXXXXX | 6987060 | 875 | XXXXXXXXXX | Credit | Disclosure | Disclosure - Other: | Occupancy XXXX must be in file. XXXXXXX. | Information provided | Client 11/13/2022 02:19 PM; we don't use that doc Reviewer 11/13/2022 05:29 PM; Reviewer 11/13/2022 11:29 PM; Hello, XX occupancy cert to reflect the intended occupancy is always required. XXXXX you |
11/17/2022 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1445133 | XXXXXXXXXXXX | XXXXXXXXXXXX | 6987061 | 875 | XXXXXXXXXX | Credit | Disclosure | Disclosure - Other: | File must contain a borrower signed XXXXXXXX XXXXXXX XXXXXXXXX. XXXXXXX. | Information provided | Client 11/13/2022 02:20 PM; dont use that doc Reviewer 11/13/2022 05:29 PM; Reviewer 11/13/2022 11:17 PM; |
11/17/2022 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1452242 | XXXXXXXX | XXXXXXXX | 7008770 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | HUD-X or XXXXXXXXXX XXXXXXXXX is missing. | Information provided | Reviewer 12/19/2022 09:28 AM; Final XXXXXXXXXX statement uploaded is missing statement, disbursement dates and prepaid interest date missing. |
01/18/2023 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1452242 | XXXXXXXX | XXXXXXXX | 7008776 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | Prepayment XXXXXXX XXXXXXXX is missing. | Client uploaded XXXXXXXXXX certification regarding the reference in section X of the XXXX for the ppp. XXXXX is no prepayment on this loan. | Client 02/07/2023 09:31 PM; Prepayment certification uploaded. XXXXX is no prepayment on this loan. Reviewer 02/08/2023 06:56 AM; Reviewer 02/08/2023 10:29 AM; Hello, XXXXXXXXX has been cleared. XXXXX you! |
02/08/2023 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1452242 | XXXXXXXX | XXXXXXXX | 7009936 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | DSCR < X.XX. | XX% XXX, X years at current address. | 11/24/2022 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1452242 | XXXXXXXX | XXXXXXXX | 7009937 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Verification of reserves minimum $XXXXX.XX missing from file. | received | Reviewer 11/25/2022 12:16 PM; missing settlement statement unable to determine cash out. |
12/17/2022 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1452242 | XXXXXXXX | XXXXXXXX | 7028021 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Assets from cash proceeds cannot be used for reserves. XXXXXXX documentation of sufficient reserves of $XX,XXX | Information provided | Client 12/21/2022 06:41 PM; As per guidelines, XXX proceeds from a cash out transaction may be used to meet reserve requirements. Reviewer 12/22/2022 12:26 PM; Closing disclosure was provided showing cash back to borrower |
12/22/2022 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1624450 | XXXXXXXXX | XXXXXXXXXXX | 7110052 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | CU score missing from file. XXX XXX score is > XXXXXX XXXX required. | FNMA XXX XXXXX score was XXX | 09/09/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1624450 | XXXXXXXXX | XXXXXXXXXXX | 7110053 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | FNMA XXX XXXXX score was XXX | 09/09/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1624450 | XXXXXXXXX | XXXXXXXXXXX | 7110054 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification XXXXXXXXX has paid divorce all obligation to ex-spouse missing from file. XXX not paid, must be paid at close XXXXXXXXX for marital home equity and any other obligation required. | PTF XXXXXXXXXX added. XXXXX be reviewed post-close | Client 09/09/2024 02:40 PM; Added condition to approval. Reviewer 09/09/2024 04:18 PM; |
09/09/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1624450 | XXXXXXXXX | XXXXXXXXXXX | 7110056 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Initial fully executed XXXXX missing from file. XXXX one in file is not signed | PTF XXXXXXXXXX added. XXXXX be reviewed post-close | Client 09/09/2024 02:47 PM; added condition to approval. XXXXXXXX approval uploaded to images. Reviewer 09/09/2024 04:19 PM; |
09/09/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1625032 | XXXXXXXXXX | XXXXXXXXXX | 7111117 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Minimum XXXXX XXXXXXX XXXXXXXXXXXXX | Loan amount of XXXXXXX is a soft floor and XXXXXX is a XXXXX floor. XXXXX amount was XXXXXXXXXXXXX | 09/26/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1625541 | XXXXXXXXX | XXXXXXX | 7113754 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | File is missing the XXXXXXXXX XXXXXXXXXX need fully executed and notarized personal guaranty for review. | Information provided | 10/25/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1625884 | XXXXXXXXXX | XXXXXXXXXX | 7113286 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | FN requires evidence of foreign residency | received power bill for property in XXXXXX | 10/23/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1625884 | XXXXXXXXXX | XXXXXXXXXX | 7113288 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Seller concession of XXXXXXXXX exceeds XXX of XXX XXXXXXXXXXXXX for investment transactions. | XXXX is approving XXXX exception of XXXXXXXX based on the reduced collateral value of XXXXXXXXXX XXXXXXXX to include a XXXXXXXX XXXXXXX XXXXXXXXXX approved and uploaded to file | Reviewer 10/23/2024 02:47 PM; See XXXXX XXXXXXX guide section XXXXXX XXXXXXXX contributions - XXXXXXXXXX Client 12/16/2024 06:37 PM; Please instruct client lender that XXXX they need to do is re-calculate the XXXX and re-XXXXX after subtracting the excess contribution. XXXXXXXXXX XXX XXXXX = XXXXXXXXXXX max contribution.
 XXXXXXXX – XXXXXXXXXXX = XXXXXXXXXXX excess contribution. XXXXXX up to XXXXXX excess . 
 XXXXXXXXXXXXX = XXXXXXXX collateral value
 Client 12/16/2024 06:55 PM; We have learned that client lender is at max XXXXX so they will need an XXXX exception. XXXXX is approving XXXX exception of XXXXXXXX based on the reduced collateral value of XXXXXXXXXX XXXXXXXX to include a XXXXXXXX XXXXXX Client 12/17/2024 11:03 AM; XXXX is granting the exception. XXXXXXX clear the condition. Reviewer 12/17/2024 11:13 AM; condition cleared Reviewer 12/17/2024 11:15 AM; condition cleared Reviewer 12/17/2024 11:19 AM; condition cleared |
12/17/2024 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1626117 | XXXXXXXXX | XXXXXXXXXX | 7113665 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU XXXXXX XXX satisfactory second evaluation required | CDA provided. | 10/15/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | A | A | C | A | Non-QM | 1 | |||||||
| 1626117 | XXXXXXXXX | XXXXXXXXXX | 7114900 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Final XXXXXXXXXX matching final XXXX XXXX XXXXXXX | XXXX provided. | Client 10/24/2024 01:03 PM; Updated XXXXX and XXXX is uploaded. XXX have a final XXXXX uploaded. Reviewer 10/24/2024 01:35 PM; |
10/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | A | A | C | A | Non-QM | 1 | ||||||
| 1626587 | XXXXXXXXX | XXXXXXX | 7114943 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXXX XXXX required. | FNMA XXXXX XXX XXXXXX XX | 10/24/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1626587 | XXXXXXXXX | XXXXXXX | 7114944 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXXXX | FNMA XXXXX XXX XXXXXX XX | 10/24/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7115112 | 846 | XXXXXXXXXX | Compliance | Disclosure | Disclosure - Missing initial disclosure within 3 days of application | Need XXXXX XXXXX XXXXXXXX issued within XX days of XXXXX application date. | Information provided | 10/31/2024 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7115341 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Supply taxes and XXXXXXXXXX for titled property located at XXXXX XXXXXXX XXXX XXXXXXXXX XXX to be added to XXXX (unless mtg includes full escrow) evidence of X | Received mortgage statement with escrows | 10/31/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7115345 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | WVOE program missing XXXXX from XXXXXXX XXXXXXXX XXXXXXX supporting base XXXXXXXXXXX and tips XXXXXXXXXXX for XXXXX XXX | set deficiency | 10/30/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7115346 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | WVOE program missing XXXXX from XXXXX XXXXXXXX supporting base XXXXXXXXXXX and XXXXX XXXXXXXXXXX for XXXXX XX | def set | 10/30/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7115347 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | WVOE program missing XXXXX from XXXXX XXXXXXXX XXXXX supporting base XXXXXXXXXXX and tips XXXXXXXXXXX monthly for XXXXXX XXXXX | def set | 10/30/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7116534 | 436 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | X of XXX XXXXX program missing XXXXX from XXXXXXX XXXXXXXX XXXXXXX supporting base XXXXXXXXXXX and tips XXXXXXXXXXX for XXXXX XXX | received XXX | 10/31/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7116535 | 436 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | X of XXX XXXXX program missing XXXXX from XXXXX XXXXXXXX supporting base XXXXXXXXXXX and XXXXX XXXXXXXXXXX for XXXXX XX | Received XXX | Reviewer 10/31/2024 04:46 PM; Received XXXX from XXXXXXX XXXXXXXX XXXXXXX for below condition. XXXX not receive XXXX from XXXXX XXXXXXXX supporting base XXXXXXXXXXX and XXXXX XXXXXXXXXXX for XXXXX XXX |
11/04/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | ||||||
| 1626633 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7116536 | 436 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete VOE | XofX XXXXX program missing XXXXX from XXXXX XXXXXXXX XXXXX supporting base XXXXXXXXXXX and tips XXXXXXXXXXX monthly for XXXXXX XXXXX | Received XXX | 10/31/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | B | D | A | C | B | A | A | Non-QM | 1 | |||||||
| 1626690 | XXXXXXXXX | XXXXXXXXXXXX | 7115361 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | received XXX | 10/28/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | A | A | A | A | C | A | Non-QM | 1 | |||||||
| 1626893 | XXXXXXXXX | XXXXXXXXXXX | 7118448 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 11/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1626893 | XXXXXXXXX | XXXXXXXXXXX | 7118449 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXX tolerance for XXXXXXX added to the XXXXX XXXXX XXXXXXXXXX amount is XXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of closing. | Information provided | 11/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1627344 | XXXXXXXXX | XXXXXXXXXXXX | 7118796 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 11/19/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||||
| 1627344 | XXXXXXXXX | XXXXXXXXXXXX | 7118797 | 895 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | Need the initial XXX and proof it was rec''''d at least XX days prior to closing date of XXXXXX | Information provided | 11/19/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1627344 | XXXXXXXXX | XXXXXXXXXXXX | 7117868 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | CPA verify | Internet XXXXXXXXXXXXX from XXXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXX XXXXXXXXX provided verifies tax preparer. | Client 11/11/2024 12:28 PM; This was uploaded on XXXX Reviewer 11/11/2024 02:12 PM; |
11/11/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | ||||||
| 1627571 | XXXXXXXXXX | XXXXXXXXXX | 7118491 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan XXXXXXXXX missing from file. | received loan approval | 11/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1627571 | XXXXXXXXXX | XXXXXXXXXX | 7118492 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Verification of XX months'''' rent loss required. XXXX XXXXXXXXXX XXXXXXXXXXXXX page in the file does not reflect or verify XX months'''' rent loss coverage required for investment properties. | received loss of use insurance | 11/18/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1627571 | XXXXXXXXXX | XXXXXXXXXX | 7118493 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Verification of assets missing from file. XXXXXXXXXXX require XX month XXXX statement or XXXX with XXXXXXX average balance. | Asset verification provided. XXXXXXXXX not required as XXXX under XXXXXX large deposits were disclosed on the XXXX statement, as required per lender. | Reviewer 11/13/2024 11:11 AM; Documents received did not include the assets verification Reviewer 11/18/2024 09:33 AM; Verify the source of the XXXXXXXXX deposit to XXXXXX on XXXXXXXX and provide the XXXXXX XXXXX account statements to document the source of deposits totalling XXXXXXXXXX XXXXXXXXXX and XXXX Client 11/20/2024 11:02 AM; XXXXXXXXXX is required on XXXXX loans, where the XXXX is over XXXX and funds to close is greater than XXXXXXX XXX XXXX is equal to or less than XXXXX then seasoning is not required.
 XXXXXXXXXXX of the XXXXXXX is still required. XXXXX can be from a single XXXX statement or disclosed on the XXXXXXXX Reviewer 11/20/2024 02:27 PM; condition updated. Reviewer 11/20/2024 02:27 PM; Per lender: XXXXXXXXXX is required on XXXXX loans, where the XXXX is over XXXX and funds to close is greater than XXXXXXX XXX XXXX is equal to or less than XXXXX then seasoning is not required. XXXXXXXXXXX of the XXXXXXX is still required. XXXXX can be from a single XXXX statement or disclosed on the XXXXXXX XXXXXXXXX these documents to clear condition. Reviewer 11/20/2024 02:27 PM; Per lender: XXXXXXXXXX is required on XXXXX loans, where the XXXX is over XXXX and funds to close is greater than XXXXXXX XXX XXXX is equal to or less than XXXXX then seasoning is not required. XXXXXXXXXXX of the XXXXXXX is still required. XXXXX can be from a single XXXX statement or disclosed on the XXXXXXX XXXXXXXXX these documents to clear condition. |
11/22/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119328 | 496 | XXXXXXXXXX | Valuation | Appraisal | Appraisal - Compliance \ Appraisal - If "Subject to Completion"-a Completion Cert (form 442 or 1004D dated March 2005) & original photos is required | Completion certificate is in black | information provided | 11/19/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119329 | 501 | XXXXXXXXXX | Compliance | Appraisal | Appraisal - Compliance \ Appraisal - Photos must be clear and legible, if not suspend | Appraisal is black | information provided | 11/19/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119401 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Trust documents or XXXXXXXXXXXXXX of XXXXXX missing from file. XXXX XXXXXX must meet all XXXXXX requirements per section XXXXXX of guidelines. | Family XXXXXX documents provided. | 11/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119402 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan approval missing from file. | XXXX provided is the loan approval | Client 11/18/2024 02:39 PM; As per XXXXX this is the manual XXXXXX writing so , no need XXXX .
 XXXXXXX check and waive the condition.
 Reviewer 11/18/2024 03:18 PM; Condition has been reviewed. XXXXXX you |
11/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119620 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Testing completed | 11/20/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1627923 | XXXXXXXXXX | XXXXXXXXXX | 7119621 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXX tolerance for the increase in the XXXXXXXXX XXXXXX in XXXX XX of the XXXXXX XXXXX XXXXXXXXXX amount is XXXXXXXX of which the final XXX cured XXXXXXXX leaving XXXXX cents remaining to be cured. XXXXX a XXXXX with full cure, lox to borrower and proof of refund, all within XXX days of consummation. | Document provided | Client 11/19/2024 03:27 PM; Loan XXXXXXXXX does not show decimal digits. the actual increasing in transfer tax was XXXXXXXXXXXXXXXXXX XXXXXXXXXXXX this is what we actually charged on as XXXX which is cure (lender credit of XXXXXXXXXXXXX kindly review and wavie the condition. Reviewer 11/19/2024 04:38 PM; Reviewer 11/20/2024 11:53 AM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
11/20/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1627972 | XXXXXXXXXX | XXXXXXXXXX | 7119867 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | satisfactory evidence of rent loss insurance | received rent loss insurance | 11/25/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1627972 | XXXXXXXXXX | XXXXXXXXXX | 7119870 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Seller concession XXXXXXX exceeds closing costs XXXXXXXXXXX on final XXX dated XXXXXXXX | Final XXX provided reflects XXXXXXXXXXXXX XXXXXX | Reviewer 11/22/2024 09:52 AM; Provide the final XXX stamped final by the closing XXXXXXXXXX |
11/27/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1627972 | XXXXXXXXXX | XXXXXXXXXX | 7119874 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Satisfactory evidence of XXX XXXXXXX and funds to close XXXXXXXXXXXXX - return to auditor to complete review | Updated XXX and assets provided | Reviewer 11/22/2024 09:49 AM; file returned to XXX for review |
11/22/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | 7119997 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX score missing from file. XXX score is > XXXXXX XXXX required. | FNMA XXXXX provided XXX XXXXX score XXXX | 11/21/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | 7119998 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | FNMA XXXXX provided XXX XXXXX score XXXX | 11/21/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | 7120000 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Credit requirements for XXXXXXXX national not met. XXXXXXXXXXX require a XXX credit report with at least XX trade lines with minimum age of XX years for XX trade line or an international credit report or an original credit reference letter from an internationally known financial institution or a XXXX statement documenting a foreign financial banking relationship for the past XXX days. XXXX file does not include any of the credit requirements. | Two XXXXX is an international XXXX. XXXX two statements in file with the guarantor''''s name on them satisfies the trade line requirement. | Client 11/21/2024 01:09 PM; There are two XXXXX statements - which is an international XXXX with our guarantors name on it. XXXXX covers that condition. XXXXXXX clear. Reviewer 11/21/2024 02:18 PM; |
11/21/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | 7120185 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan is not eligible for purchase due to note, dot and notary being electronically signed. | Information provided - wet signed documents provided | Client 11/25/2024 03:37 PM; The note, loan and security agreement, and deed was wet signed by the authorized signatory. XXXXXXX see the XXXXXXXXXX XXXXXXXX XXXXXXXX along with the documents that were signed by the authorized signatory. XXXX signatures will be included in the physical loan package. XXXXXX you. Reviewer 11/25/2024 03:40 PM; Reviewer 11/26/2024 01:11 PM; |
11/26/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1628245 | XXXXXXXXX | XXXXXXXXX | 7120196 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | Reviewer 11/26/2024 10:56 AM; Need XXXXX XXXXXXX XXXXX provided will not clear def |
11/27/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1628328 | XXXXXXXXX | XXXXXXXXXX | 7122307 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score provided- satisfactory second evaluation required | received XXX | 12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628329 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7120161 | 432 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Evidence of downpayment missing/incomplete | Reviewed downpayment and XXXX from title with lender and is acceptable. XXXX under XXXX on XXXXX does not require seasoning. | Reviewer 11/25/2024 03:07 PM; Received XX checks from XXXX for XXXXXXXXXX that was used to pay off XXXXX XXXXXXXXXX which was seller''''s mortgage on subject property. XXXX did the borrower pay off the mortgage? XXXXXX provide documentation of the XXXX accounts from which these funds were withdrawn. XXXX XXXX statements showing this amount was not located in the file for XXX Reviewer 11/26/2024 06:21 PM; Provide explanation from title company as to why the borrowers remitted XX separate checks totaling XXXXXXXXXX made payable to XXXXXXXXXXXXXXX XXXXXXXXXXXX XXXX closing company was XXXXXXX XXXXXXX XXXXXXXX and XXXXXXXXXXX and the seller''''s mortgage being paid off was with XXXXXXXXXXXXXXX XXXXXXXXXXXX XXXXXXX provide clarification from title company and provide XXXX statements that reflect these funds or closing being withdrawn Reviewer 12/04/2024 03:01 PM; documents received under review |
12/05/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628413 | XXXXXXXXX | XXXXXXXXXXX | 7120204 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score found, satisfactory second evaluation required | FNMA XXXXX provided XXX XXXXX score is XXX | 11/22/2024 | A | 1 | XXXXXXXXXX | XX | 2 | 1 | C | A | A | A | A | A | C | A | Non-QM | 1 | |||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120257 | 7 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide initial application to provide an initial application date needed for testing purposes. XXXXXXX provide for review. | Information provided | Reviewer 11/22/2024 07:46 PM; Initial application must be signed by borrower and XXXX |
12/05/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120259 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 12/05/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120351 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX confirmation. XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | 12/04/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120361 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | P | received exception approval/ XXXXXXXXXXXXX XXXXXXXX - XXXXX XXXXX XXXX XXXXX XXXX XXXXX XXX years on job, reserves XXX months, has owned property since XXXX | Reviewer 12/04/2024 07:11 PM; Received chain of emails regarding an exception, but emails did not explain what the exception was. XXXXXXXX the exception for lack of housing history for X Client 12/11/2024 09:20 AM; The form was sent on XXXXXXXXXXX uploaded for your reference to show the details of the exception.
 
 XXX XXXXXXXXXX additional questions were asked from XXXXX about how much cash out and how XXXX the property was owned.
 
 XXX XXXXXXXXXXX XX was advised this was approved and to “include this email in your submission”. XXXX subject line is XXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXXX payment”.
 Reviewer 12/11/2024 01:56 PM; |
12/11/2024 | B | 2 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120362 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory supporting documentation for additional monthly housing payment of XXXXXXXXXX as XXXXXX on XXXXXX and included in XXXX | HOA XXXX states XX more years to pay for the balance of XXXXXXXXXXX = XXXXX | Client 12/04/2024 03:13 PM; Client 12/04/2024 03:14 PM; Monthly housing payment of XXXXXXXXXX XXXXXXXXXXXXXXXXXXX as other on XXXXX is for special assessment, see below snippet of uploaded documentation. Reviewer 12/04/2024 07:13 PM; Documents received did not include supporting documentation for additional monthly housing payment of XXXXXXXXXX as XXXXXX on XXXXXX and included in XXX Reviewer 12/05/2024 08:38 AM; Reviewer 12/05/2024 08:38 AM; The XXXX documentation indicates a special assessment balance of XXXXXXXXXXX which is XXXXXXXXXXXXX over XXX months. XXXXXXXX verification assessment payment is XXXXXXXXXX used in XXXXXX calculation on XXXXXX Reviewer 12/05/2024 08:38 AM; The XXXX documentation indicates a special assessment balance of XXXXXXXXXXX which is XXXXXXXXXXXXX over XXX months. XXXXXXXX verification assessment payment is XXXXXXXXXX used in XXXXXX calculation on XXXXXX Reviewer 12/05/2024 08:39 AM; The XXXX documentation indicates a special assessment balance of XXXXXXXXXXX which is XXXXXXXXXXXXX over XXX months. XXXXXXXX verification assessment payment is XXXXXXXXXX used in XXXXXX calculation on XXXXXX Client 12/11/2024 09:22 AM; Uploaded snippet showing the breakdown of the special assessments. XXXX monthly housing payment of XXXXXXXXXX XXXXXXXXXXXXXXXXXXXXX XXXXXXX note XXXXXXXXXXX is total pending balance; however, annual payment is XXXXXXXXXXXX as described in the breakdown provided. Reviewer 12/11/2024 02:02 PM; |
12/11/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120476 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 12/05/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | ||||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120477 | 895 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Need proof CD was received 3 days prior to consummation | Need initial XXX and proof it was rec''''d at least XX days prior to closing date of XXXXXXX | Documentation received | 12/05/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1628417 | XXXXXXXXXX | XXXXXXXXXX | 7120478 | 897 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID CD- Other | Need a XXXXX with XXXX XX XXXXXXXXXX fees itemized between deed and mortgage. | Documentation received | 12/05/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | B | C | A | A | A | Non-QM | 1 | |||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120165 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXXX XXXX required. | FNMA XXXXX XXX XXXXX score was XXXXXXX | 11/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120166 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | FNMA XXXXX XXX XXXXX score was XXXXXXX | 11/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120167 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Verification XXXXXXX XXXXXX is self-employed minimum XX years is missing from the file. | Information provided supporting self-employed since XXXXXX | Client 11/22/2024 05:05 PM; she is a XXXXXXX XXXXXXXXXX it was reflected on credit report and in my research i found her employment profiles with the different companies, XX have uploaded this information supporting self-employed since XXXXX to file thank you :) Reviewer 11/24/2024 09:20 PM; Condition has been reviewed. XXXXXX |
11/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120168 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Documentation addressing what type of business XXXXXXXXX owns, type of receipt of income and justification for XXXX expense factor missing from file. | Borrower is a XXXXXXXX XXXXXXXXXX. XXXXXXXX internet research shows borrower''''s employment profiles with the different companies. | Client 11/22/2024 05:04 PM; she is a XXXXXXXX XXXXXXXXXX it was reflected on credit report and in my research i found her employment profiles with the different companies, XX have uploaded this information supporting self-employed since XXXXX to file thank you :) Client 11/22/2024 05:09 PM; I used XXXX expense factor as it is allowed per XXXXX statement guidelines page XXXXX XXXXXXXXXX XXXXXXXXXXX has minimal expenses, and XXXX expense factor is consistent with the XXXXXXXXXXXX industry thank you : ) Reviewer 11/24/2024 09:20 PM; Condition has been reviewed. XXXXXX Reviewer 11/24/2024 09:20 PM; Condition has been reviewed. XXXXXX |
11/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120169 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Clarification required to verify XXXXXXX is not on the loan. XXXXXX approval does not reflect XXXXXXX as a XXXXXXXXXX however, XXXXXX credit report and additional documentation included in the file. XXXX latest workbook in the file reflects XXXXXXXXXXXX debt (not including current housing expense) included in ratios. XXX XXXXXXX is a XXXXXXXXX on the loan, file to be returned to auditor. | Revised XXXXX and XXXX reflects both borrowers. | 11/24/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7120170 | 351 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - DTI exceeds maximum limit | DTI is XXXXXXXXXXXXXX of income/XXXX statements results in income of XXXXXXXXXXXXX XXXXXXXXX from XXXXXXXX transfers and deposits/transfers from investment accounts deducted from calculation. | Income worksheet provided using XXXXX of personal accounts deposits | Client 11/24/2024 09:52 PM; Ok XX use the same XXXX income form for every file. XX have uploaded the personal income calc. XXX apologies for use of the wrong income calc form and causing confusion. XXXX account is a joint personal account. XXXXXXX is on the loan. XXXX guideline on page XXX item number XX XX personal account with multiple owners listed at any point in the qualifying timeline of utilized statements must all be on the loan application regardless of individual contributions to t Reviewer 11/25/2024 05:29 AM; |
11/25/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7121966 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 12/12/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1628427 | XXXXXXXXX | XXXXXXX | 7121967 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXXX tolerance for increase in XXXXXXXXXX fee in XXXX XX of the final XXXXX XXXXXXXXXX amount is XXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund and evidence of payment shipped, all within XXX days of consummation. | Information provided | 12/12/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628513 | XXXXXXXXX | XXXXXXXXXXXXX | 7120375 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX score missing from file. XXX XXX score is > XXXXXX XXXX required. | Information provided | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1628513 | XXXXXXXXX | XXXXXXXXXXXXX | 7120377 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | CU score XXXX | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1628513 | XXXXXXXXX | XXXXXXXXXXXXX | 7120378 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Lock confirmation missing from file. XXXXX meet approved loan terms. | Lock XXXXXXXXXXXXX received. | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | A | A | C | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1628612 | XXXXXXXXX | XXXXXXXXXXXXX | 7121037 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Proof of liquidation, receipt and deposit of cash value of life insurance from XXXXX XXXXXXX XXXXXXXX missing from file. | LDL reflects XXXX condition for proof of paper trail (life insurance funds) | Client 11/26/2024 12:06 PM; LDL reflects XXXX condition for proof of paper trail ( life insurance funds ) Reviewer 11/26/2024 12:50 PM; |
11/26/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628785 | XXXXXXXXX | XXXXXXX | 7121973 | 973 | XXXXXXXXXX | Compliance | Compliance | Compliance - CD- Other | Need the XXXXXXX XXXX | Information provided | 12/12/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1628788 | XXXXXXXXX | XXXXXXX | 7121284 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX score missing from file. XXX score is > XXXXXX XXXX required. | FNMA XXXXXXXXX XXX risk score X | 12/01/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628788 | XXXXXXXXX | XXXXXXX | 7121285 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | FNMA XXXXXXXXX XXX risk score X | 12/01/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628820 | XXXXXXXXX | XXXXXXX | 7121163 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX score missing from file. XXX score is > XXXXXX XXXX required. | FNMA XXX score provided XXXX | 12/20/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628875 | XXXXXXXXXX | XXXXXXXXXX | 7121529 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Loan XXXXXXXXX missing from file. | received loan approval | 12/05/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628875 | XXXXXXXXXX | XXXXXXXXXX | 7121450 | 959 | XXXXXXXXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | IEADS XXXXXXXX XXXXXXXX does not equal XXXXXXXXXXX XXXXXXXX XXXXXXX XXXXXXXX XXXXXXXX from the closing statement XXXXXXX | Information provided | Reviewer 12/05/2024 02:30 PM; Loan XXXXXXXXX will not clear deficiency |
12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1628883 | XXXXXXXXX | XXXXXXXXXXXXX | 7121743 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628883 | XXXXXXXXX | XXXXXXXXXXXXX | 7121193 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Fully executed initial XXXXX missing from file. | XXXX provided | 12/06/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1628887 | XXXXXXXXX | XXXXXXXXXX | 7121286 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory updated XXXX statement worksheet deducting transfers from income calculation. | document provided income XXXXXXXXXXX using in repayment | 12/23/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628887 | XXXXXXXXX | XXXXXXXXXX | 7121287 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU score missing - satisfactory second evaluation required | document provided | 12/23/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | C | A | Non-QM | 1 | |||||||
| 1628887 | XXXXXXXXX | XXXXXXXXXX | 7123475 | 920 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID-Missing Final CD | File is missing all pages of the final XXX XXXXXXXX XXXXXXX in file are missing page, the signature | Information provided | Reviewer 12/24/2024 03:10 PM; Please provide XXXX pages of the final XXXXX XXXXX received pages XXXX |
12/31/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||
| 1628887 | XXXXXXXXX | XXXXXXXXXX | 7123530 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 12/31/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | C | A | Non-QM | 1 | ||||||||
| 1628905 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7121539 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXXXX government issued photo XXX XXXXXXXXXX XXXXXXXXXX per XXXXX guideline required for all borrowers in accordance with documents listed on the XXXXXXXX XXXX information disclosure. | received XXXXXXX | 12/04/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1628905 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7121540 | 267 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Certificate of Occupancy | Missing XXXXXXXXXXXX of XXXXXXXXXXXX XXXXXXXXX for subject property per XXXXX guideline for all new construction. | received XXX | Reviewer 12/04/2024 10:19 AM; The document provided is the XXXXXXXXXX of XXXXXXXXXX from the buyer. XXXXXXX provide the XXXXXXXXXXXX of XXXXXXXXXX from the local building authority for XXXX construction |
12/04/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1628934 | XXXXXXXXXX | XXXXXXXXXX | 7122330 | 1006 | XXXXXXXXXX | Credit | UW Approval | UW Approval - UW Approval - 1008 or 92900 LT missing | Final loan approval was not provided. | Transmittal XXXXXXXX provided. | 12/12/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | D | A | A | A | A | A | Non-QM | 1 | |||||||
| 1629029 | XXXXXXXXX | XXXXXXXXX | 7121857 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan is ineligible for purchase due to electronic signatures and electronic notarization. | Updated docs provided | Client 12/09/2024 12:08 PM; The authorized signatory wet signed the note, the deed and the loan and security agreement. XX uploaded those documents along with the written consent. XXXX original wet-signed documents will be shipped with the loan package. XXXXXXX waive this condition. XXXXXX you. Reviewer 12/09/2024 12:25 PM; Reviewer 12/09/2024 03:41 PM; XXXXX is ineligible for purchase due to electronic signatures and electronic notarization. Reviewer 12/10/2024 12:34 PM; Hello
 XXXXX has been cleared.
 
 XXXXXX |
12/10/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629029 | XXXXXXXXX | XXXXXXXXX | 7121504 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory fraud report with both borrowers, not XXXX | Onfido reports provided | 12/09/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629029 | XXXXXXXXX | XXXXXXXXX | 7121505 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score provided, satisfactory second evaluation required | FNMA XXXXXXXXX XXX risk score XXX | 12/04/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629029 | XXXXXXXXX | XXXXXXXXX | 7121513 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Foreign XXXXXXXXX XXXXX XXXXXX not met | Locked at XXXX XXXX but with a XXXXXX XXXXXXX XXX a one-time exception, XXXXX is waiving this requirement without a XXXXX adjustment due to XXXXX miss. XXXX factor: is XXXX XXXXX post-closing reserves. | Client 12/03/2024 08:15 PM; when XXXX is XXXX and borrower is XXXX min XXXXX is XXXXXXXX XXXXX XXX missed this at initial and all subsequent reviews, and this was locked at XXXX XXXX but with a XXXXXX XXXXXXX XXX a one-time exception, XXXXX is waiving this requirement without a XXXXX adjustment due to our miss. XXXX factor is XXXX XXXXX poset-closing reserves. Reviewer 12/04/2024 05:19 AM; |
12/04/2024 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629076 | XXXXX | XXXXX | 7121699 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 12/09/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629076 | XXXXX | XXXXX | 7121901 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The loan approval and rate lock is missing from the loan file. XXXX credit review is on hold until documentation is received. | 12/09/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1629076 | XXXXX | XXXXX | 7122011 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XX months receipt of rental income in the amount of XXXXXXXXXXXX a month. XXXX guideline under the XXXXX program when utilizing actual rent over market rent and actual rent is higher; XX months evidence of receipt of rental income is required. | received receipts for XX months rent | Client 12/12/2024 12:09 PM; Uploaded a revised XXXXX calc using the market rent instead of the lease amount Reviewer 12/12/2024 01:05 PM; Using XXXXXXX XXXXXX XXXXXXXXXXX XXXXX XXXXXXXXX = XXXXXX XXXXX Reviewer 12/13/2024 09:07 AM; Using XXXXXXX XXXXXX XXXXXXXXXXX XXXXX XXXXXXXXX = XXXXXX XXXXX which is insufficient per guidelines. XX months receipts of rental income is required or XXXXX exception to allow the XXXXXX XXXXX ratio. Reviewer 12/13/2024 09:07 AM; Using XXXXXXX XXXXXX XXXXXXXXXXX XXXXX XXXXXXXXX = XXXXXX XXXXX which is insufficient per guidelines. XX months receipts of rental income is required or XXXXX exception to allow the XXXXXX XXXXX ratio. Reviewer 12/13/2024 09:07 AM; Using XXXXXXX XXXXXX XXXXXXXXXXX XXXXX XXXXXXXXX = XXXXXX XXXXX which is insufficient per guidelines. XX months receipts of rental income is required or XXXXX exception to allow the XXXXXX XXXXX ratio. |
12/19/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629076 | XXXXX | XXXXX | 7122062 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | The final closing disclosure signed by the borrower but missing the date. (settlement agent signed and dated) | received signed XX | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629076 | XXXXX | XXXXX | 7122091 | 389 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Fraud Alert documentation | Auto XXXXXX XXXXXX report not acceptable. XXXXXXXX update fraud report with all high and medium alerts cleared. | Reviewer 12/11/2024 09:52 AM; there are XX high alerts and XX medium alert on the fraud report provided. XXXXXXXX lender comments for each alert. XXXXXXXXXXX conditions may apply Client 12/12/2024 11:05 AM; There are comments on the XXXXXX XXXXXXX under each alert with the date, cleared, comment and who cleared it. Reviewer 12/12/2024 11:59 AM; |
12/12/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629086 | XXXXXXXXX | XXXXXXXXXX | 7122424 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 12/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | ||||||||
| 1629086 | XXXXXXXXX | XXXXXXXXXX | 7122425 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | X% tolerance violation for addition of XXXX XXXX without a valid XXXXXX XXXXXX tolerance violation of XXXXXXXXXXX XX refund in the amount of XXXXXXXXX along with XXXXX XXXX lox to borrower, copy of refund check and proof of delivery required within XXX days from consummation. | Information provided | 12/17/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | A | A | C | A | A | A | Non-QM | 1 | |||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | 7121964 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | File is missing the XXXXXXXXX XXXXXXXX XXXXXXXXXXXXX | Information provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | 7121616 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Satisfactory XXXX from XXXX XXXXXX XXXXXXXX XXXX that mortgage of XXXXXXXXXX due and payable in XX year, on XXXXXXXXX XXX XXXXX XXXX column d, reporting on XXXXX XXXXX XXXX XXXXXXXXX is renewable and not due and payable. | Explanation of XXXXXXXXXX uploads: the only XXX owned by XXXX XXXXXXXXX is XXXXX XXXXXXX XXXXXX XXXXX associated with this property is the XXXXXXXXXXX mortgage XXXXXXXXX XXXXXXXX balance XXXXXXXXXXXXXXXXX to the balances end year XXXXX and XXXXX per XXXXX XXXXXXXXX XX line XXXXX XX copy of that XXXX was obtained and shows to be a XXXXXX mortgage due XXXX XX XXXXXX | Client 12/06/2024 08:19 PM; Explanation of XXXXXXXXXX uploads: the only XXX owned by XXXX XXXXXXXXX is XXXXX XXXXXXX XXXXXX XXXXX associated with this property is the XXXXXXXXXXX mortgage XXXXXXXXX XXXXXXXX balance XXXXXXXXXXXXXXXXX to the balances end year XXXXX and XXXXX per XXXXX XXXXXXXXX XX line XXXXX XX copy of that XXXX was obtained and shows to be a XXXXXX mortgage due XXXX XX XXXXXX Reviewer 12/08/2024 04:43 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | 7121617 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Subject property is XXXX with XXXX accessory units. XXXXXXXX is not eligible for purchase | Permits and/or XXXXXXXXXXXXX of XXXXXXXXXX were obtained to establish the XXXXXX addition was a legal and permitted use. XXXXXXXXXX XXX is silent on these so far, so we are taking the approach that if the XXXXXXXXX are legal and permitted, they are acceptable collateral. | Client 12/06/2024 06:54 PM; Permits and/or XXXXXXXXXXXXX of XXXXXXXXXX were obtained to establish the XXXXXX addition was a legal and permitted use. multiple XXXXXXX are beginning to appear in various jurisdictions. XXXXXXXX XXX is silent on these so far, so we are taking the approach that if the XXXXXXX are legal and permitted, they are acceptable collateral. Reviewer 12/08/2024 03:49 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | 7121623 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence mortgage with XXXXXXXXXXXXXXXXXXXX xXXXX for XXXXXXX monthly is associated with business property at XXXXX XXX XXXXX XXXX included in XXXXX partnership with XXXX XXXXXXXXX XXXX | XXX XXXXXXXX XXXXX tax return form XXXXX (page XXXX of XXXXXXXX XXXXX XXX XXXXX is the only XXXX this partnership holds, and the mortgage origination date and balance match to the XXXXX of trust uploaded. | Client 12/06/2024 08:25 PM; Please see the XXXX partners XXXXX tax return form XXXXX (page XXXX of XXXXXXXX XXXXX XXX XXXXX is the only XXXX this partnership holds, and the mortgage origination date and balance match to the XXXXX of trust uploaded. XXXXXX you. Reviewer 12/08/2024 04:43 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629090 | XXXXXXXXX | XXXXXXXX | 7121627 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | CU score XXX satisfactory second evaluation required | Acceptable XXXX provided. | 12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7121700 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | Reviewer 12/12/2024 08:55 AM; XXXX XXXXX reflects the loan program as XXXXXXXX XXXXXXXXXXXXXX XXXXX was uploaded as a XXX full doc. XXXXX programs must match Reviewer 12/12/2024 08:55 AM; XXXX XXXXX reflects the loan program as XXXXXXXX XXXXXXXXXXXXXX XXXXX was uploaded as a XXX full doc. XXXXX programs must match |
12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7121701 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | File is missing the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX | Information provided | Reviewer 12/16/2024 08:30 AM; Top of all the pages is cut off. XXXXX full pages |
12/17/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7121702 | 6 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, final application for all applicant not in file | Need final application in the name of the XXXXXXX signed by all guarantors. | Information provided | Reviewer 12/16/2024 08:30 AM; Need the final application in the name of the XXXXXXX signed by all grantors. XXXXX provided is in borrowers name. |
12/17/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7121934 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The approval and rate lock is missing from the loan file. XXXXXXX review is on hold until documentation is received. | Missing docs provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7121908 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Missing XXXX collateral review (desk review or XXXXXX required when XXX score is over XXXXX this score is XXXXXX | received XXX | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7122471 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Missing evidence of borrowers ownership of XXXXXXX XXXX XXXXXX XXXXXXXXX must own the business contributing the closing funds. XXXXX has the owner of XXXXXXX XXXX XXXXXX XXXXXXX XXXXXXXX (gift donor as well) signed the letter re the use of business funds. | Received ownership of XXXXXXX XXXXX XXXXX | Reviewer 12/13/2024 08:41 PM; Received XXXX XXXX XXXXXXXXXX for XXXXXXX XXXXX XXXXXX XXXX not receive evidence of who owns XXXXXXX XXX |
12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7122475 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXXXXXXXXXXX for XXXXXX XXXXXXXXXX closing as an XXXXXXX and or approval from XXXXXXX multi-member XXXXX XXXXXXXXXX XXXXXXXXXX or exhibit specifies name and ownership interest of each member XXXXXXX manager-managed XXXXX XXXXXXXXXX XXXXXXXXXX specifies names of authorized manager(s) and their authority XXXXXXXXXXX all XXXXXXXXXXX XXXXXXXXXXXXXX if issued by XXXXXX XXXX XXXXXXXXXXXX of XXXXXXXXXX XXXX person with XXXX or more interest in the company must XXXXXXXXX a loan application; and be a personal guarantor XXXX XXXX registration XXXX / XXXX for each entity | received operating statement with borrower XXXX owner | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7122476 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | Need XXXXXXX management approval from XXXXX for unwarrantable condo. XXXXXXXX property is XXXXXXXXX under the control of the developer and still owns more than XXXX of the total units within the project. | Per XXXXXX XXXXXXXX property XXXXXXXXX project is approved. XXXXX have sold/conveyed at least XXXX of the units. XXXX is not owner occupied, but this was not intended as an XXXX project. XXXXXXX lender correctly priced as condotel. | Client 12/20/2024 02:21 PM; Subject property XXXXXXXXX project is approved. XXXXX have sold/conveyed at least XXXX of the units. XXXX is not owner occupied, but this was not intended as an XXXX project. XXXXXXX lender correctly priced as condotel. Reviewer 12/23/2024 12:36 PM; |
12/23/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7122477 | 418 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - Client Condo Warranty Requirements | Missing XXXX information XXXXXXX XXXXXXXXXXXXXXXXXXXXX additional warranty documentation. | received XXXX questionnaire | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629147 | XXXXXXXXXX | XXXXXXXXXX | 7122481 | 400 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Borrower Minimum Contribution Requirement | Evidence that the borrower contributed their own sourced and seasoned funds to the transaction which is the larger of XXXX of the purchase XXXXX or XXXXXXXXX for investment property. | funds came from business/ XXXX letter received and wire | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629152 | XXXXXXXXX | XXXXXXXXX | 7121661 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Tax assessment from title on improvements, currently reporting on land only. | document provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629152 | XXXXXXXXX | XXXXXXXXX | 7121662 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | satisfactory evidence of XX months rent loss insurance | received XXXX confirmation | 12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629161 | XXXXXXXXXX | XXXXXXXXXX | 7121837 | 7 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | File is missing the initial XXXXX signed | Information provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1629161 | XXXXXXXXXX | XXXXXXXXXX | 7121838 | 72 | XXXXXXXXXX | Compliance | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1629161 | XXXXXXXXXX | XXXXXXXXXX | 7121856 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Upon receipt and review of initial application. | Information provided | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | 7121851 | 272 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal Other | FNMA XXX score missing from file. XXX XXX score is > XXXXXX XXXX required. | FNMA XXXXXXXXX XXX risk score XXXX | Client 12/06/2024 04:40 PM; ucdp XXXXXXX shows score of XXXXX do not need desk review or cda - ucdp uploaded to file, thank you for reviewing :) Reviewer 12/08/2024 03:48 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | 7121852 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Required if XXX score is > XXXX | FNMA XXXXXXXXX XXX risk score XXXX | Client 12/06/2024 04:40 PM; ucdp XXXXXXX shows score of XXXXX do not need desk review or cda - ucdp uploaded to file, thank you for reviewing :) Reviewer 12/08/2024 03:48 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | 7121853 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Fully executed initial XXXXX missing from file. XXXX XXXXXX in file are not signed. | Initial fully executed XXXXX provided | 12/24/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | 7121854 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Property is vested in XXXXX XXXXXXX verify if XXXXXXXXXX will take title as individuals. XXX property will remain in XXXXX XXXX formation docs, XXXXXXXXXX XXXXXXXXXXX good standing, XXXX and XXXXX must be provided. | Loan is not vested in XXXX and will not be vested in XXXXX | Client 12/06/2024 04:42 PM; loan is not vested in llc and will not be vested in llc thank you for reviewing :) Reviewer 12/08/2024 03:48 PM; |
12/08/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629225 | XXXXXXXXX | XXXXXXXXXXX | 7123661 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Borrower is short funds to close. XXXXXXXXX assets XXXXXX XXXXXXX XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXX XXXXXXXXXXXX XXXXXXXXXXXXXX = XXXXXXXXXXXXXX XXXXXX required to close XXXXXXXXXXXX - verified assets XXXXXXXXXXXX = short XXXXXXXXXX | Received cash out XXX for investment XXXX refinance netting XXXXXXXXX | 12/26/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 3 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7122097 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | HOA must be turned over to the unit owners. XXXX has not been turned over to the unit and owners. XXXXXXXXXX required per guidelines. | Compensating factors: XXXXXXXXXXXX XXXXXXXXXXX XXXX to be established within XXX to XXX days, new construction, desirable location, XXXXX XXXXXX when minimum is XXXXXX XXXXXX months reserve when XX reserves required. | 12/10/2024 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7122100 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Operating XXXXXXXXXX for XXXXXXXX XXXX XXXX missing from file. | Received XXXXXXXXXX XXXXXXXXX | Reviewer 12/10/2024 08:18 AM; Certificate of XXXXXXXX XXXXXXXXXXXXXX to operate in state if XXXX formed in another state |
12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7122101 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Certificate of XXXXX XXXXXXXXX for XXXXXXXX XXXXX XXXX missing from file. | received XXXXX of XXXXX XXXXXXXXX from XXXXXXXX XXX | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7122103 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Guarantees on all members of XXXX with > XXXX ownership. XXXXX may apply once the XXXX is documented and verified. | Operating agreement verifies XXXX ownership | Reviewer 12/11/2024 05:23 PM; Did not receive verification of percentage of ownership Client 12/16/2024 01:23 PM; Client 12/16/2024 01:24 PM; The operation agreement reflects borrower has XXXX ownership. XXXX does this not cure condition? Reviewer 12/16/2024 01:58 PM; duplicate escalation Reviewer 12/16/2024 02:04 PM; condition cleared |
12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7122104 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Evidence of XXXX for XXXXXXXX XXXX XXXX missing from file. | Received XXX | 12/11/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7121844 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | 12/17/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629232 | XXXXXXXXXX | XXXXXXXXXX | 7121845 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | File is missing the XXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXXX | Information provided | 12/12/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629334 | XXXXXXXXXX | XXXXXXXXXX | 7122373 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX XXXXXXXXXXXX | Reviewer 12/13/2024 08:43 PM; Received XXXXX XXXXX XXXXXXXXXXXX |
12/13/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629334 | XXXXXXXXXX | XXXXXXXXXX | 7122374 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Need exception approval from XXXXX for borrower under the XXXXXXXX XXXXXXXXX program, with a XXXXXXX address and a XXXXXXX work XXXXXXX XXXXX indicated on final XXXXX and credit report. | received XXXXX XXXXXXXXXXX ownership and revised XXXX | Reviewer 12/13/2024 08:52 PM; Provide XXXX for borrower''''s address XXXXX XXXXXXXXXXX XXXXXXX XXXX XXXXXXXXX XXX listed on XXXXX and credit report. XXXXXX add property owned at XXXX XXXXXXX XXXXXXX onn XXXXX as XXXX with mortgage and payment information. Reviewer 12/18/2024 03:35 PM; The XXXX received is not sufficient evidence of primary residence in the XXXXXX XXXXXXXX evidence of ownership of XXXXX XXXXXXXXXXX XXXXXX and XXXX from borrower. XXXXXX did not receive the revised XXXXX to include property owned at XXXX XXXXXXX XXXXXXX on XXXXX as XXXX with mortgage and payment information. |
12/23/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629334 | XXXXXXXXXX | XXXXXXXXXX | 7122375 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing loan approval from original file. | Loan XXXXXXXXX provided. | Reviewer 12/11/2024 11:16 PM; May result in additional deficiencies once received. |
12/12/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629334 | XXXXXXXXXX | XXXXXXXXXX | 7122144 | 72 | XXXXXXXXXX | Credit | Closing Package | Closing Package - | Loan must contain the XXXXX XXXXX confirmation. | Information provided | Reviewer 12/13/2024 01:00 PM; No documentation provided |
12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629459 | XXXXXXXXXX | XXXXXXXXXX | 7122561 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXXX approval from original documents. | received final approval | 12/17/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629459 | XXXXXXXXXX | XXXXXXXXXX | 7122563 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXX loss insurance required on all one- to four-unit XXXXXXXX non-owner occupied income properties. XXXX policy must include coverage of at least six XXXXXX months rental. XXXXXXXXX should be to the lessor of XXXXXX or monthly rent received / scheduled. | received loss of use coverage for XXXXXXXXX | 12/18/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629459 | XXXXXXXXXX | XXXXXXXXXX | 7122564 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing acceptable XXXXXX insurance coverage. XXXXXX insurance coverage must be equal to the original mortgage amount. XXXX XXXXXX commitment has XXXXXXXXXXXXXX and the loan amount is XXXXXXXXXXXXXXX | Received updated title with loan amount of XXXXXXX | 12/18/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629612 | XXXXXXXXX | XXXXXXXXXX | 7122617 | 384 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Self-Employment status required | CPA to confirm borrower is XXXXX owner of business | Tax preparer stated borrower "is a self-employed XXX consultant and does not require a license for his line of work." XXXXX means this borrower is a XXXXX contracted individual person who files schedule XX on personal taxes, does not have a business entity requiring ownership documentation. | Client 12/18/2024 04:31 PM; Tax preparer stated borrower "is a self-employed XXX consultant and does not require a license for his line of work." XXXXX means this borrower is a XXXXX contracted individual person who files schedule XX on personal taxes, does not have a business entity requiring ownership documentation. Reviewer 12/18/2024 04:54 PM; |
12/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | A | C | B | A | A | Non-QM | 1 | ||||||
| 1629612 | XXXXXXXXX | XXXXXXXXXX | 7122618 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Supply satisfactory evidence of XXXX license XXXXXX verify) | Prime XXXX verification provided. | 12/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | A | C | B | A | A | Non-QM | 1 | |||||||
| 1629612 | XXXXXXXXX | XXXXXXXXXX | 7122758 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | 12/18/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | A | C | B | A | A | Non-QM | 1 | |||||||||
| 1629612 | XXXXXXXXX | XXXXXXXXXX | 7122759 | 898 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID- Fee Tolerance Violation | Loan is failing XXX tolerance for the increase in the XXXXXXXXXX fee on the XXXXXX XXXX and failing XXXX tolerance for the increase in the XXXXXXXXXX fee in XXXX XX of the final XXXXX XXXXXX violation amount is XXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. | 12/18/2024 | B | 2 | XXXXXXXXXX | XX | 1 | 13 | C | B | C | A | C | B | A | A | Non-QM | 1 | ||||||||
| 1629652 | XXXXXXXXX | XXXXXXXXXX | 7122621 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | Missing from file. | received desk review | 12/16/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629681 | XXXXXXXXX | XXXXXXXXXX | 7122727 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR | UW Collateral TPR - UW - Second collateral evaluation is required. | no XXX score located- satisfactory second evaluation required | document provided | 01/02/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | A | A | N/A | N/A | C | A | Exempt | 1 | |||||||
| 1629751 | XXXXXXXXX | XXXXXXXXX | 7124474 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | verbal verification of employment dated within XXX days of closing XXXXXXXX | VOE dated XXXXXXXXXXX was provided. | 01/03/2025 | A | 1 | XXXXXXXXXX | XX | 2 | 1 | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | 1 | |||||||
| 1629804 | XXXXXXXXX | XXXXXXXXXX | 7123564 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Satisfactory evidence of XX months rent loss insurance | Commercial policy includes XXXXXX of business income coverage. | Client 12/24/2024 11:03 AM; See page three of the commercial policy. XXXXXXX includes XXXXXX of business income coverage. Reviewer 12/24/2024 11:44 AM; |
12/24/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629804 | XXXXXXXXX | XXXXXXXXXX | 7122879 | 258 | XXXXXXXXXX | Valuation | UW Collateral | UW Collateral - UW - Appraisal - Completion Certification | Appraisal completed subject to repairs. XXXXXXXXXXXXX evidence of completion to be provided | XXXXD provided states improvements have been completed .......... | Client 12/18/2024 11:00 AM; XXXXXXXXX_Appraisal_XXXXXXXXXXXX_XXXXXX.pdf uploaded XXXXXXXXXXX XXXXXXXXX XXX - please review this document it is the XXXXXX completion cert for subject property. thank you very much for reviewing:) Reviewer 12/18/2024 12:44 PM; |
12/18/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | C | A | Exempt | 1 | ||||||
| 1629820 | XXXXXXXXXXX | XXXXXXXXXXX | 7123507 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Documentation verifying XXXX number for XXXXXXXX XXX XXXXXXXXXXXX XXXX missing from file. | Received XXX | 01/03/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629823 | XXXXXXXXXXX | XXXXXXXXXXX | 7123109 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Foreign national assets not seasoned for XXX days. | received statement dated XXXXXXX | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629823 | XXXXXXXXXXX | XXXXXXXXXXX | 7123110 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Seller concession XXXXXXXXX exceeds XXX of XXX XXXXXXXXXXXX | Exception approval received - XXXXX XXXXXXXX - XXXXXXXXX > XX months above guideline requirement, XXXX guidelines, pending publication, will allow, XXXX XXXXX | Reviewer 12/30/2024 05:25 PM; The document received did not include any exception request or approval |
01/02/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629825 | XXXXXXXXXXX | XXXXXXXXXXX | 7123143 | 7 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide an initial application for proof of initial application date. | Information provided | Client 12/27/2024 10:26 AM; Final XXXXX in file-should be sufficient to clear as loan is XX Reviewer 12/27/2024 11:16 AM; Reviewer 12/27/2024 11:55 AM; Hello
 XXXXXXXXX of application date is needed which is generally on the initial application - please provide application date.
 
 XXXXXXX |
12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629825 | XXXXXXXXXXX | XXXXXXXXXXX | 7123144 | 957 | XXXXXXXXXX | Credit | Closing Package | Closing Package - First Payment Letter Missing or Incorrect | File is missing the XXXXX payment letter. | Information provided | Reviewer 12/30/2024 08:51 AM; Xst payment letter has a monthly payment of XXXXXXXXXXXXX XXXXX does not match the payment reflected on the XXXXX of XXXXXXXXXXXXX XXXXXXX to determine if there are escrows as the final XXXX XX has not been provided. XXXX the XXXX payment letter does not reflect a break down of the payment |
12/31/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629825 | XXXXXXXXXXX | XXXXXXXXXXX | 7123145 | 862 | XXXXXXXXXX | Credit | Deed of Trust/Mortgage | Deed of Trust/Mortgage - Other: | File is missing the XXXXX XXXXXXXXX XXXXXXXXXXX | Information provided | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629825 | XXXXXXXXXXX | XXXXXXXXXXX | 7123146 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | Please provide the final XXXXXX settlement statement for review. | Information provided | Reviewer 12/30/2024 08:51 AM; NO documentation provided |
12/31/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629826 | XXXXXXXXXXX | XXXXXXXXXXX | 7122917 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | File is missing the final settlement statement. | Information provided | 01/03/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629826 | XXXXXXXXXXX | XXXXXXXXXXX | 7122984 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Funds for reserves were not provided. | Cash out can be used as reserves per guidelines | Reviewer 12/23/2024 06:29 PM; Documents provided did not include any asset documentation. XXXXXX unable to determine if cash is required without the final closing statement. |
01/02/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629830 | XXXXXXXXXXX | XXXXXXXXXXX | 7123492 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing required fraud report | received fraud report | 12/26/2024 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | C | A | C | A | A | A | A | A | Exempt | 1 | |||||||
| 1629911 | XXXXXXXXXXX | XXXXXXXXXXX | 7123627 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Missing final signed and dated XXXXXXXX XXXXXXXXXX | received final XXX signed and dated | 12/28/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629925 | XXXXXXXXXXX | XXXXXXXXXXX | 7123615 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | Please provide the final XXXXXX settlement statement for review. | Information provided | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629925 | XXXXXXXXXXX | XXXXXXXXXXX | 7123803 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Max XXXX XXXX when XXXXX is >= XXXX - XXXXXXX XXXXXXXX is XXXX XXXXX | FICO XXX points above minimum required, XX tradelines rated for more than XX years, all credit XXX | 12/26/2024 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629925 | XXXXXXXXXXX | XXXXXXXXXXX | 7123819 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Final XXX missing from file. XXXXXXXXX must have minimum XX months reserve after close per exception approval. | received gift letter for XXXXXXXX | Reviewer 12/26/2024 01:36 PM; ****Note: XXXXXXXX XXX in file does not reflects XXXXX XXX XXX is reflected on XXXX file to be returned to XXXXXXXX to determine reserves and sufficient funds to close*** Reviewer 12/28/2024 11:52 AM; Received XXXXX XXXXX returned to XXXXXXX XXX for review. Reviewer 12/30/2024 06:48 AM; Gift funds reflected on XXX do not match documentation in file. XXXX gift of XXXXXXXXX does not match the gift letter in file. XXXX gift letter in file is from XXXXXX XXXXXXXX XXXXXXXXXX however, the XXX reflects the XXXXXXXXX gift is from XXXX XXXXXXX XXXXXXXXXX XXX addition, XXXX XXX reflects total gifts from XXXXXXXXX XXXXXXXXX of XXXXXXXXX the gift letter in file reflects XXXXXXXXXX Reviewer 12/30/2024 08:56 PM; Documents received did not include the correct gift letters and amounts that match the final XX Reviewer 01/02/2025 01:29 PM; There are XX gifts on the XXX from XXXXXXXXX XXXXXXXXXX XXXXXXXXX and XXXXXXXXXXX XXXXX XX gift letter from XXXXXXXXX XXXXXXXXX for XXXXXXXXXXX |
01/06/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1629925 | XXXXXXXXXXX | XXXXXXXXXXX | 7123821 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | X additional month statement required for XXXXXX XXXXXXX supporting balance XXXXXXXXXXXXX XXXXXXXXXX in file XXXXXXXXXX - XXXXXXXXXXXX | Acct # is XXXXXXXX received XXXXXXXXXXX with XXXXXXX | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1629927 | XXXXXXXXXXX | XXXXXXXXXXX | 7123767 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | Missing XXXXX page of XXXXXXXX XXXXXXXXXXX XXXXXXXX | received XX pages of XXX | 12/30/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630069 | XXXXXXXXXXX | XXXXXXXXXXX | 7123744 | 861 | XXXXXXXXXX | Credit | Note | Note - Other: | The note is missing the borrower''''s signature. | Note provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630069 | XXXXXXXXXXX | XXXXXXXXXXX | 7123955 | 378 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Initial/Final 1003 incomplete/missing | Final loan application included income information which is not allowable for type of loan program. XXXXXXXX updated signed loan application with no income information. | received revised signed XXXXX with no income or employment | 01/03/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630069 | XXXXXXXXXXX | XXXXXXXXXXX | 7123956 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Six months of rent loss insurance was not provided. | Exception approval received/ XXXXXXXXXXXXX factors - score XXXXX XXXX XXXXX XXXXX XXXXXXX reserves over XXX months | Client 01/09/2025 01:11 PM; Lender accepts. XXXXXXX waive with available compensating factors Reviewer 01/10/2025 11:21 AM; Escalation log comment states XXXXXXX accepts. XXXXXXX waive with available compensating XXXXXXXXXX XXXXXXX provide an XXXXXXXXXX form listing the compensating factors. Reviewer 01/10/2025 11:21 AM; Please provide an XXXXXXXXXX form listing the compensating factors. |
01/14/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630070 | XXXXXXXXXXX | XXXXXXXXXXX | 7124014 | 321 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit - Insufficient | Management exception approval required for borrower with less than the required minimum trade lines | Exception approved. XXXXXXXXXXXXX factors XXXX XXXX cash downpayment XXXX minimal consumer credit XXXX XXXXXXXXXXXXX rental history back to XXXXX XXXX XXXXX than the required post-closing reserves | 12/27/2024 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A | Exempt | 1 | |||||||
| 1630070 | XXXXXXXXXXX | XXXXXXXXXXX | 7124015 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | Missing management exception approval for a non-permanent resident alien who is a citizen of XXXXXXXXXX and having an XXXXXXXXXXX XXXXXXXXXXXXXX XXXXXXXXX of XXX | Exception approval received for XXXX XXXXX XXXXXXXXXXXXX factors XXXX XXXX cash downpayment XXXX minimal consumer credit XXXX XXXXXXXXXXXXX rental history back to XXXXX XXXX XXXXX than the required post-closing reserves | 12/30/2024 | B | 2 | XXXXXXXXXX | XX | 1 | 1 | C | B | C | B | A | A | A | A | Exempt | 1 | |||||||
| 1630074 | XXXXXXXXXXX | XXXXXXXXXXX | 7124088 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Max cash in hand for XXXX > XXXX is XXXXXXXXXXXX XXXX the XXXX the XXXXXXXXX received XXXXXXXXXXXXX | Received exception approval for additional cash out/ comp factors - experienced investor, XXXXX XXXXXX | 12/30/2024 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124316 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124317 | 920 | XXXXXXXXXX | Compliance | Compliance | Compliance - TRID-Missing Final CD | Need the final XXX signed on the closing date of XXXXXXX | Information provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | |||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124318 | 108 | XXXXXXXXXX | Compliance | Deed of Trust/Mortgage | Deed of Trust/Mortgage - is missing. | Documentation provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124319 | 840 | XXXXXXXXXX | Compliance | Disclosure | Disclosure - HPML- need evidence of rate lock date with borrower | Documentation provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124324 | 6 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, final application for all applicant not in file | Please provide the final application. | Documentation provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | |||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124325 | 959 | XXXXXXXXXX | Credit | Closing Package | Closing Package - IEADS Initial Escrow Account Disclosure Missing or Incorrect | Please provide the XXXXXX for review. | Documentation provided | 01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | |||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124336 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing fraud report with all pages | received fraud report | Client 01/06/2025 12:38 PM; Reviewer 01/06/2025 03:02 PM; documents received and in review |
01/06/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124337 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | Missing completed business XXXX statement worksheet confirming monthly income of XXXXXXXXXXX | XXXX statement income worksheet provided. | Client 01/15/2025 11:40 AM; Please find uploaded XXXX statement/income calc worksheet. XXXXXX you! Reviewer 01/15/2025 03:45 PM; |
01/15/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||
| 1630184 | XXXXXXXXXXX | XXXXXXXXXXX | 7124338 | 374 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Evidence of legal residency | Missing documentation as required by guidelines confirming that the borrower is a XXXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXX documents in the file, such as XXXXX letter and unexpired foreign passport) suggests that the borrower is a non-permanent resident alien | IRS XXXXX XXXXXXX provided. | Client 01/06/2025 12:42 PM; Please note XXXXXXXXX letters sent over for review along with XXXXXXXXXX passport from XXXXXXXXXXX XXXXXX you. Reviewer 01/06/2025 03:03 PM; documents received and in review Reviewer 01/06/2025 03:28 PM; Please provide the permanent resident alien card for borrower to confirm residency as noted on the XXXX Client 01/15/2025 11:40 AM; Please find uploaded XXXXXXXXXX XXXXX XXXXXXX document. XXXXXX you. Reviewer 01/15/2025 03:45 PM; |
01/15/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 1 | D | A | C | A | D | A | A | A | Exempt | 1 | ||||||
| 1630208 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7124119 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | SOF for XXX XXXXXXXXXX noted on XXX | XXXX statement provided supports XXX XXXXXXXXXX | 12/31/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630208 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7124120 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Clear copy of gift check (donors ability) for XXXXXXXXX XXXXX | Copy of XXXXXXXXXXXXX check matches XXXXX XXXXXXX information | 12/31/2024 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | 7124332 | 884 | XXXXXXXXXX | Compliance | Compliance | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. | Information provided | 01/15/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | A | A | Exempt | 1 | ||||||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | 7124299 | 1080 | XXXXXXXXXX | Compliance | Compliance | Compliance - - State Regulations Restricted Fees Fail | Loan exceeds XXX allowable XXXXXXX and XXXXX by XXXXXXXXXXXX XXXXXXXX supporting documentation which reflects the starting unadjusted rate (i.e. XXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXXXXXXXX etc.) to determine discount points are bona fide. XXX discount points are not bona fide evidence of refund along with XXXXX reflecting refund and XXXX to borrower will be required | Information provided | Client 01/03/2025 04:04 PM; I have uploaded the earliest XXXXX XXXXX XXXXXXXXXXX XXXXX - but XX am not sure this is what you need to determine if they are bona fide or not. XXXX you please advise if this will clear it or if you need something else. XXXXXX you. Reviewer 01/06/2025 09:01 AM; Reviewer 01/06/2025 12:20 PM; Unable to find the undiscounted starting rate XXXXXXXXXXX report provided. XXXXXXX circle, star or underline the undiscounted starting rate. Reviewer 01/06/2025 01:57 PM; Hello
 XXXX test uploaded does not reflect an undiscounted starting rate. XXXXXX the fees on the test do not match what was disclosed on the last disclosed XXX issued XXXXXXXX XXX doesn't appear the rate was bought down as the test uploaded does not exclude any discount points. XXXXXX of refund will be required unless evidence of bona fide discount points is provided.
 
 XXXXXX Client 01/07/2025 09:42 AM; I have uploaded the rate table from this file. XXXXXXX review and advise if this will help you and then XX can provide the XXXX if needed. XXXXXX you Reviewer 01/07/2025 11:51 AM; Reviewer 01/07/2025 02:31 PM; Hello
 XXXXXXXXXXXXXX uploaded does not support that the rate was bought down. XXX order for discount points to be bona fide the borrower must have knowingly bought down the rate. XXXXX even if the starting rate was XXXXXXX points can not be excluded due to the rate being greater than XXX of the XXXXXXX rate the loan closed with. XXXXXX of refund will be required to cure this.
 
 XXXXXX |
01/15/2025 | B | 2 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | A | A | Exempt | 1 | ||||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | 7124140 | 63 | XXXXXXXXXX | Compliance | Right to Cancel | Right to Cancel - expiration is not three days from execution. | Consummation date | Information provided | Client 01/03/2025 04:05 PM; Do we need to re-open recission on this one since the incorrect date was on the form and have the borrowers re-sign the document? XXXXXXX clarify. XXXXXX Reviewer 01/06/2025 09:01 AM; Reviewer 01/06/2025 03:01 PM; Client 01/07/2025 10:29 AM; Does the XXXX need to be signed as well by the borrower? Reviewer 01/07/2025 11:52 AM; Reviewer 01/07/2025 12:02 PM; |
01/24/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | A | A | Exempt | 1 | ||||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | 7124493 | 320 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Asset Other | Borrower short reserves. XX months reserve required XXXXXXXXXXXXX verified assets XXXXXXXXXXXX short XXXXXXXXXXXX | ITIN XXXXXXXXXX guidelines for XXXX XXXXX required XX months reserves. XXXXXXXXX has XXXXXX months reserves. | Client 01/21/2025 10:21 AM; Please find attached guidelines only require XXXX mths XXXXX reserves. XXXXXX you. Reviewer 01/21/2025 12:16 PM; |
01/21/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | A | A | Exempt | 1 | ||||||
| 1630263 | XXXXXXXXXXX | XXXXXXXXXXX | 7124353 | 336 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Income Other | CPA letter does not meet guideline criteria. XXXX letter does not reflect the borrower''''s percentage of business ownership, nor does it reflect the preparer has prepared the borrower''''s most recent tax return. | P | 01/21/2025 | A | 1 | XXXXXXXXXX | XX | 1 | 3 | C | A | C | A | C | A | A | A | Exempt | 1 | |||||||
| 1630281 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7124215 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | New construction certificate of occupancy to be provided | Received XXX | 01/02/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630518 | XXXXXXXXXXX | XXXXXXXXXXX | 7124648 | 851 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Appraisal must have been completed by an XXXXXXXXXX XXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXX appraisal was completed with no XXXXX | Experienced XXXXXXXXX with multiple financed rental properties, all paid as agreed; XXXXXXXXX lender (transferred appraisal) has an approved appraisal panel; XXXX supports value, no variance. | 01/06/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630571 | XXXXXXXXXXX | XXXXXXXXXXX | 7124727 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | Please provide the final XXXXXX XXXXXXXXXXX XXXXXXXXXXX | Information provided | 01/14/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7125267 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | Missing Images Loan Review is not Final. On Hold for Missing Critical Documentation COMMENT: The XXXXXX XXXXXX XXXXXXXXXXXXX XXXXX and XXXXX are missing from the loan file. XXXX credit review will remain on hold until documents received. | 01/31/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7125221 | 1055 | XXXXXXXXXX | Credit | Missing Images | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation | The XXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXX XXXXX and XXXXX for appraisal are missing from the loan file. XXXX credit review is on hold until documents received. | Paystub and XXXXX received. XXXXXXXXXXX docs still missing | 01/10/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7125116 | 219 | XXXXXXXXXX | Credit | HUD1 | HUD1 - Final HUD-1 is missing | Please provide the final XXXXXX settlement statement for review. | Document provided | 02/05/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7128574 | 439 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing W2s | XXXX and XXXXX XXXXX were not provided. | received XXXXX | Reviewer 01/31/2025 11:01 AM; TWN provided contains XXXXXXXXXX income not XXXXXXXXXX income. |
02/05/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7128575 | 437 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - Missing/Incomplete Verbal VOE | A verbal XXXX dated within XXX business days of the note date was not provided. | received XXX day XXXX | 02/05/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7128577 | 265 | XXXXXXXXXX | Credit | UW Collateral | UW Collateral - UW - FNMA 1007 / FNMA 216 | A XXXXX invoice was provided but the actual XXXXX was not provided. | received XXXX | 02/03/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630572 | XXXXXXXXXXX | XXXXXXXXXXX | 7128578 | 1015 | XXXXXXXXXX | Credit | UW Income/Employment | UW Income/Employment - UW - IRS Transcripts required | A signed XXXXXXX or transcripts were not provided. | received signed XXXXXX | 02/05/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | A | D | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630637 | XXXXXXXXXXX | XXXXXXXXXXX | 7124884 | 7 | XXXXXXXXXX | Credit | Application | Application - Completed, signed, initial application for all applicant not in file | Please provide the initial application for proof of initial application date and XXX confirmation. | Information provided | 01/10/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | A | C | A | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630711 | XXXXXXXXXXX | XXXXXXXXXXX | 7125195 | 350 | XXXXXXXXXX | Credit | UW Qualifications | UW Qualifications - UW - LTV/CLTV does not meet parameters | DSCR less than XXXXXXX XXXX guidelines max XXXXXXXXX is XXXXXX XXXXX closed at XXXX XXXXX | Per guidelines, if using a higher actual lease amount, evidence of XXXXXXXXX of receipt is required. XXXXXXXXXX is not needed, and three months'''' rent receipt was provided. | Client 01/13/2025 01:55 PM; per guidelines XXXXXXXXX meets qualifications for an XXXX XXXXXX XXXXXX to the guideline matrix. XXXXXXXXX has XXXXXX XXXXX score and XXXX credit score. XXXX XXXX XXXX is permitted for a purchase. XXXXXXX waive exception. Reviewer 01/14/2025 01:10 PM; DSCR calculation is based off the lower market rent of XXXXXXXXX XXXXX is XXXXXXXX XXXXXXXXXX needed to proceed with higher lease income. Reviewer 01/14/2025 01:19 PM; DSCR calculation is based off the lower market rent of XXXXXXXXX XXXXX is XXXXXXXX XXXXXXXXXX needed to proceed with higher lease income. Reviewer 01/14/2025 08:29 PM; Documents provided did not include an exception approval to use the higher lease income of XXXXXXXX instead of the market rent of XXXXXXX Client 01/15/2025 09:28 AM; Per guidelines, XXX using a higher actual lease amount, evidence of XXXXXXXXX of receipt is required. XXXXXXXXXX is not needed and three months rent receipt was provided. Reviewer 01/15/2025 03:56 PM; |
01/15/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630711 | XXXXXXXXXXX | XXXXXXXXXXX | 7125197 | 998 | XXXXXXXXXX | Credit | UW Other | UW Other - UW - Title Commitment is missing or requires correction. | Title amount of XXXXXXXXXXXXXX is short of the required loan amount of XXXXXXXXXXXXXXX | received revised title | 01/21/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630711 | XXXXXXXXXXX | XXXXXXXXXXX | 7125198 | 318 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Source of Large Deposit | Provide evidence of source of large deposit of XXXXXXXXXXXXXX on XXXXXXXXXXX from account ending xXXXX into account ending xXXXX. | XXXX is the actual address of the XXXXX (directory provided). XXXX XXXXXXXXX transferred the funds from XXXX XXXXXXX to XXXX XXXXXXXXX XXXXXXXXXXX provided. | Client 01/28/2025 07:54 AM; XXXX is the actual address of the XXXXXXX XXXX online directory provided. XXXX XXXXXXXXX transferred the funds from XXXX XXXXXXX to XXXX XXXXXXX and those statements were provided. Reviewer 01/28/2025 08:30 AM; |
01/28/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1630711 | XXXXXXXXXXX | XXXXXXXXXXX | 7126602 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | The borrower had XXXXX months reserves instead of the XX months required bu guidelines | Compensating factors: XXX credit lates in past XXX months, XX tradelines rated for over XX years on credit | 01/14/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | D | B | D | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630715 | XXXXXXXXXXX | XXXXXXXXXXX | 7125612 | 961 | XXXXXXXXXX | Valuation | Appraisal | Appraisal - FEMA Disaster Re-certification Required | Need disaster cert XXXXX XXXXXXX XXXXXXX | XXX county fires- XXXX provided reflecting no damage XXXXXXX has not issued end date) | Reviewer 01/22/2025 01:42 PM; Disaster cert is required after incident end date is declared |
01/22/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | A | A | N/A | N/A | C | B | Exempt | 1 | ||||||
| 1630910 | XXXXXXXXXXX | XXXXXXXXXXX | 7125723 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXXXXXXX XXXXXXXXX for a XXXXXXXX XXXXXXXXX borrower who is lacking XXX credit history and having only XX of the XX required foreign credit reference letters as required by guidelines. | Exception approval granted for only XX foreign credit reference letter subject to confirmation that the four XXX investment properties listed per XXXX are owned free and clear. XXXXXXXXXXXXX factors are significant equity in the XX XXX properties owned with a combined estimated market value of XXXXXXXXXXXX with no mortgages listed for any of the properties. | 01/13/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1630910 | XXXXXXXXXXX | XXXXXXXXXXX | 7126490 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing confirmation that the following properties are owned free and clear of any mortgages or liens XXXX XXX XXXXX XXXX XXXX XXX XXXXXX XXXX XXXX XXX XXXXXX XXX and XXXX XXXXX XXXXXXXXX XXXX | Fraud report shows property are owned free and clear | Client 01/14/2025 08:18 AM; Fraud report shows property are owned free and clear Reviewer 01/14/2025 11:08 AM; |
01/14/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128183 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Exception to allow use of XXXXXX months of reserves vs. XX months is not valid due to compensating factors provided were not correct. XXXXXXXXXXXXX factor of excellent mortgage payment history is not valid based on credit report reflecting multiple mortgage delinquencies, and payoff of subject property reflected a foreclosure action was started. XXXXXXXXXXXXXX leases were not provided to verify current rents. | Exception approved allowing the use of XXXXXX months of reserves vs XX months reserves. XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor, appraiser noted, verified current rents total XXXXXXX total used was market XXXXXXXX XXXXX using lower of XXXXXXXXX | 01/30/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128184 | 328 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Satisfactory 12 mth Mortgage | Mortgage history for subject property was not provided. | FE XXXXXXX the lender assigned the note to the servicer XXXXXXXX and thus recorded onto title | Reviewer 01/28/2025 03:31 PM; The lien for subject property listed on title is with XXXX XXXXX XXXXXXXXXXX XXXXXXXXXXX XXXX XXXX for mortgage history is from XXXXXXX XXXXXXX XXXXXXXXX XXXXXXXX XXXX and/or documentation to clarify Client 01/30/2025 06:05 AM; FE XXXXXXX the lender assigned the note to the servicer XXXXXXXX and thus recorded onto title Reviewer 01/30/2025 07:30 AM; |
01/30/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128185 | 330 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Missing XXXXX lock. | received rate lock | 01/28/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128186 | 395 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Derogatory Credit explanation required | Letter of explanation for late payments and foreclosure listed on the mortgage payoff was not provided. | Property is not in foreclosure was just past maturity date. XXXX and property profile provided. | Reviewer 01/28/2025 03:35 PM; Document received was XXXXXXXXX XXXXXXX report and did not explain late payments and foreclosure listed on the mortgage payoff. |
01/28/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128187 | 434 | XXXXXXXXXX | Credit | UW Assets | UW Assets - UW - Shorts Funds for Reserves | Asset documentation was not provided or included on the loan application. | Exception allowing cash-out for reserves. XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXX investor, appraiser noted, verified current rents total XXXXXXX total used was market XXXXXXXX XXXXX using lower of XXXXXXXXX | Client 01/30/2025 06:05 AM; Cash out funds were used for reserves. XXXX exception Reviewer 01/30/2025 07:30 AM; |
01/30/2025 | B | 2 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | ||||||
| 1631775 | XXXXXXXXXXX | XXXXXXXXXXX | 7128188 | 323 | XXXXXXXXXX | Credit | UW Credit | UW Credit - UW - Credit Requirements for Program | Active foreclosure not allowed per loan program. | Property is not in foreclosure was just past maturity date. XXXX and property profile provided. | Client 01/28/2025 01:56 PM; Property is not in foreclosure was just past maturity date. XXXX XXXX and property profile. Reviewer 01/28/2025 04:06 PM; |
01/28/2025 | A | 1 | XXXXXXXXXX | XX | 3 | 13 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 |