HOMES 2025-NQM3 TRUST ABS-15G

Exhibit 99.8 Schedule 1

 

Loan ID Customer Loan ID Seller Loan ID Note Date Original Loan Amount Last Name Property State Occupancy Purpose Originator QM Status TPR QM Status Exception ID Exception Number Exception Date Exception Type Exception Subcategory Exception Exception Remedy Rebuttal TPR Response Compensating Factors Status Update Date Finding Status Initial Exception Grade Final Exception Grade Initial Loan Grade Final Loan Grade
XXXXXX 1024684 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 835708 1 of 3 2023-01-31 20:32 Compliance The XXXXXX is Missing The XXXXXX is missing. Missing

  Document Uploaded. See attached - 02/09/2023

 Document Uploaded.  - 02/08/2023

 The XXXXXX has been provided. - 02/09/2023

Finding upheld. Document attached is corrupt and/or illegible. Unable to open attachment. Please re-upload.  - 02/08/2023

 Copy of XXXXXX attached 2023-02-09 20:00 Resolved 4 1 4 1
XXXXXX 1024684 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 840785 2 of 3 2023-02-03 20:14 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-02-03 20:14 Cleared 1 1 4 1
XXXXXX 1024684 XXXXXX XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 843440 3 of 3 2023-02-07 02:31 Credit Borrower 1 Credit Report is Missing Borrower XXXXXX credit report is missing. The credit report in the file is for a nonborrower, XXXXXX, instead of the borrower, XXXXXX.

  Document Uploaded. Credit Report attached. - 02/10/2023
 Document Uploaded. XXXXXX is the memeber that has authorization to sign on behalf of the company.  See attached XXXXXX - 02/08/2023
 Documentation is sufficient. Borrower XXXXXX Credit Report is has been provided. - 02/13/2023
Documentation provided is not sufficient. Original, qualifying credit report needed for borrower. Referenced XXXXXX is not on Note and their credit report is not applicable to transaction. - 02/08/2023
   2023-02-13 15:00 Resolved 4 1 4 1
XXXXXX 1024618   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 768155 1 of 4 2022-12-09 21:56 Credit Title - Unpaid Liens Title documents provided in the loan file reflected unpaid liens. XXXXXX report effective XXXXXX, exception XXXXXX, indicates property has delinquent assessments and a lien payable to the XXXXXX in the amount of $XXXXXX from XXXXXX.  Missing documentation to confirm this was previously paid or paid at closing.

  Document Uploaded.  - 12/28/2022

 Documentation provided is sufficient.  - 12/29/2022

   2022-12-29 15:58 Resolved 3 1 3 2
XXXXXX 1024618   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 768167 2 of 4 2022-12-09 21:56 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2022-12-09 21:56 Cleared 1 1 3 2
XXXXXX 1024618   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 771062 3 of 4 2022-12-12 15:40 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2022-12-12 15:40 Cleared 1 1 3 2
XXXXXX 1024618   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 792765 4 of 4 2022-12-23 23:46 Credit Audited XXXXXX is less than Guideline XXXXXX Audited XXXXXX is less than guideline XXXXXX. Requirement  for escrow waiver is an XXXXXX less than XXXXXX% and  minimum decision credit score of XXXXXX with XXXXXX-months of reserves. Borrower credit score is XXXXXX. No formal exception in the file.

  Document Uploaded.  - 12/27/2022

 Finding waived. Lender exception provided to waive escrows with XXXXXX not meeting requirements.  - 12/28/2022

 Low loan amount of $XXXXXX; Low XXXXXX of XXXXXX%. 2022-12-28 16:54 Waived 3 2 3 2
XXXXXX 1024735   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1177277 1 of 3 2023-09-26 18:31 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-09-26 20:39 Cleared 1 1 1 1
XXXXXX 1024735   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1188694 2 of 3 2023-10-02 18:03 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-10-02 18:03 Cleared 1 1 1 1
XXXXXX 1024735   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1188696 3 of 3 2023-10-02 18:04 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-10-02 18:04 Cleared 1 1 1 1
XXXXXX 1024559   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 340469 1 of 3 2022-03-09 20:46 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 15:55 Cleared 1 1 3 2
XXXXXX 1024559   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 340472 2 of 3 2022-03-09 20:46 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 15:54 Cleared 1 1 3 2
XXXXXX 1024559   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 392200 3 of 3 2022-04-08 21:22 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. The minimum XXXXXX is XXXXXX and with a XXXXXX over XXXXXX. Monthly rental income of $XXXXXX was utilized at origination. Appraisal in file verified monthly rent of $XXXXXX which results in a XXXXXX of XXXXXX.  
     XXXXXX with compensating factors reviewed for use of XXXXXX rent from XXXXXX. - 04/16/2022
 Reserves exceed guideline requirements. 2022-04-16 20:03 Waived 3 2 3 2
XXXXXX 1024565   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 381797 1 of 3 2022-04-04 19:06 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 15:56 Cleared 1 1 2 2
XXXXXX 1024565   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 382430 2 of 3 2022-04-05 02:08 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 15:56 Cleared 1 1 2 2
XXXXXX 1024565   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 392626 3 of 3 2022-04-11 11:51 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Loan does not meet lender guidelines as it was qualified using estimated XXXXXX income on a purchase transaction in order for XXXXXX to be greater than XXXXXX. Formal exception was provided in file.
      Reserves exceed guideline requirements.  2022-04-22 18:24 Waived 2 2 2 2
XXXXXX 1024569   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 436924 1 of 3 2022-05-04 14:36 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2022-05-04 14:38 Cleared 1 1 2 2
XXXXXX 1024569   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 439827 2 of 3 2022-05-05 15:30 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2022-05-05 15:30 Cleared 1 1 2 2
XXXXXX 1024569   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 442959 3 of 3 2022-05-06 17:19 Credit XXXXXX does not meet Guidelines The subject XXXXXX does not meet guideline requirements. XXXXXX based on the estimated rental income from the XXXXXX of $XXXXXX, and a XXXXXX of $XXXXXX results in a ratio of XXXXXX, which is below the required XXXXXX of XXXXXX. Formal exception allows the use of estimated short-term rental income of $XXXXXX, which results in a XXXXXX of XXXXXX.
      Reserves exceed guideline requirements. 2022-05-13 19:02 Waived 2 2 2 2
XXXXXX 1024616   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 720521 1 of 3 2022-11-02 17:02 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2022-11-02 19:00 Cleared 1 1 3 2
XXXXXX 1024616   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 722837 2 of 3 2022-11-03 19:45 Property Property Issue - Property Size The subject appraisal verified that the property/house size does not meet guidelines. Appraisal reflects the subject site size is XXXXXX Acres. This does not appear to be consistent with comparables, or photos and description of the property. Guidelines allow for maximum XXXXXX acres. Lender exception for excessive acreage, or correction to appraisal, is needed.  

   Document uploaded. - 12/01/2022

 



 Documentation provided is sufficient. Appraisal revision provided correcting lot size. No acreage noted.  - 12/01/2022

   2022-12-01 00:02 Resolved 3 1 3 2
XXXXXX 1024616   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 723248 3 of 3 2022-11-04 01:55 Credit Program Parameters - Property Type The subject loan does not meet program parameters for property type. Per guidelines, log homes are ineligible property type. Per the appraisal, the property is a log home. Formal exception provided in file.



      XXXXXX is well in excess of XXXXXX at XXXXXX. 2022-11-07 23:08 Waived 2 2 3 2
XXXXXX 1024627   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 827240 1 of 4 2023-01-25 18:13 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-01-25 18:13 Cleared 1 1 3 2
XXXXXX 1024627   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 828992 2 of 4 2023-01-26 16:02 Credit Hazard Insurance Effective Date is after the Disbursement Date Hazard insurance effective date is after the disbursement date. Disbursement date was XXXXXX while the hazard insurance is effective XXXXXX.  

   Document uploaded.  - 02/01/2023

 



 Resolved - 09/15/2023

Documentation provided is sufficient.  - 02/01/2023

   2023-09-15 18:44 Resolved 3 1 3 2
XXXXXX 1024627   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 829033 3 of 4 2023-01-26 16:19 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. The XXXXXX max is XXXXXX% per the guidelines for short term rental. Actual approved XXXXXX is XXXXXX%. Formal exception provided in file.

      Reserves exceed guideline = Over $XXXXXX 2023-01-31 03:30 Waived 2 2 3 2
XXXXXX 1024627   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 829051 4 of 4 2023-01-26 16:28 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-01-26 16:28 Cleared 1 1 3 2
XXXXXX 1024624   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 802639 1 of 4 2023-01-04 15:20 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-01-04 15:46 Cleared 1 1 3 2
XXXXXX 1024624   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 807992 2 of 4 2023-01-09 16:58 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-01-09 16:58 Cleared 1 1 3 2
XXXXXX 1024624   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 808001 3 of 4 2023-01-09 17:00 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Max XXXXXX is 75% with a 5% reduction for investor experience.  XXXXXX is 80%. Formal exception was provided in file.

      Reserves exceed guideline requirements, Depth of credit with prior housing history, XXXXXX over XXXXXX months, XXXXXX required, XXXXXX over XXXXXX years, XXXXXX is good.  2023-01-09 17:03 Waived 2 2 3 2
XXXXXX 1024624   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 808214 4 of 4 2023-01-09 19:16 Credit Income - Income Documentation Missing The loan file did not contain the required income documentation. Missing XXXXXX proof of XXXXXX income for qualifying income of $XXXXXX a month used.      Documentation provided.  - 01/27/2023

 Document uploaded.  - 01/23/2023

 Documentation uploaded.  - 01/18/2023

 



 Documentation provided is sufficient. Documented rents adjusted; removed seller owner-occupancy from rent ledger and prorated received rents. Revised net rents $XXXXXX which is a final XXXXXX of XXXXXX. - 01/27/2023
Finding upheld. Per guidelines, XXXXXX% of actual -or- estimated rents are to be used for qualification. XXXXXX% of actual rents noted leaves qualifying rental income of $XXXXXX and XXXXXX XXXXXX which is less than guideline minimum of XXXXXX XXXXXX. - 01/23/2023
Finding upheld. Documentation provided is partially sufficient. Additional finding noted. Gross rent receipts from property mgmt provided. Most recent XXXXXX months totals $XXXXXX, or $XXXXXX monthly. Per XXXXXX guidelines, gross XXXXXX rents to be used at XXXXXX% on purchase transactions. This is $XXXXXX qualifying XXXXXX income. Final XXXXXX  XXXXXX, which is less than minimum XXXXXX XXXXXX as required.  - 01/18/2023
   2023-01-27 02:15 Resolved 3 1 3 2
XXXXXX 1024641   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 854869 1 of 2 2023-02-14 19:58 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-02-14 19:58 Cleared 1 1 2 2
XXXXXX 1024641   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 859238 2 of 2 2023-02-16 21:12 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. XXXXXX Guidelines effective XXXXXX, XXXXXX section, indicates XXXXXX from XXXXXX must have minimum XXXXXX% occupancy.  XXXXXX estimate occupancy in file is XXXXXX% which is below the requirement.  Formal exception was provided in file.

      Borrower has $XXXXXX+ in reserves. 2023-02-16 21:14 Waived 2 2 2 2
XXXXXX 1024679   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 947992 1 of 5 2023-05-01 14:29 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-05-01 14:29 Cleared 1 1 3 2
XXXXXX 1024679   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 954378 2 of 5 2023-05-04 16:22 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-05-04 16:22 Cleared 1 1 3 2
XXXXXX 1024679   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 956881 3 of 5 2023-05-05 19:15 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Per guidelines XXXXXX income used to qualify has a XXXXXX% XXXXXX limit. Loan is approved with a XXXXXX% XXXXXX.  Formal exception in loan file.

      Reserves of XXXXXX months exceed  XXXXXX month guideline requirements. 2023-05-05 21:12 Waived 2 2 3 2
XXXXXX 1024679   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 956980 4 of 5 2023-05-05 20:06 Credit Purchase Contract - Addendum Missing The XXXXXX is missing. XXXXXX indicates a seller credit of $XXXXXX.  An additional XXXXXX credit of $XXXXXX was provided and the updated XXXXXX for the larger concession is missing from loan file.

    Documentation provided is sufficient. - 05/10/2023

   2023-05-10 04:59 Resolved 2 1 3 2
XXXXXX 1024679   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 956988 5 of 5 2023-05-05 20:13 Credit Assets - Liquidation for Cash to Close The loan file does not contain all required asset documentation. Satisfactory documentation was not provided in the loan file verifying the liquidation of stocks, bonds, mutual funds or retirement accounts utilized for required funds to close. Verification of liquidation of stocks/bonds is not provided in file and balance is not greater than XXXXXX% of funds-to-close.

  Document uploaded.  - 06/05/2023

 



 Documentation provided is sufficient. - 06/05/2023
Finding upheld. Funds to close previously assumed to be liquidation of stock account. Rebuttal documentation provided reflects disbursement from XXXXXX, though is unexecuted. XXXXXX funds were not qualified at review. Original XXXXXX, settlement statement from sale of originating property, and executed copy of disbursement document is needed to fully source these funds.  - 05/15/2023
   2023-06-05 02:34 Resolved 3 1 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 917431 1 of 6 2023-04-07 21:33 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-04-10 15:42 Cleared 1 1 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 924508 2 of 6 2023-04-14 12:42 Credit Flood Insurance Policy Partially Provided Flood insurance policy partially provided. File included the invoice only for the borrower's flood insurance policy from XXXXXX.  Missing the actual policy declarations page validating the coverage amount.  

     Flood Insurance Policy is fully present - 04/23/2023

   2023-04-23 18:16 Resolved 3 1 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 924547 3 of 6 2023-04-14 13:01 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Max XXXXXX for a property using XXXXXX income for qualifying is XXXXXX%. Loan closed with a XXXXXX of XXXXXX%. Formal exception approval was provided in file.  

       The reserves of over XXXXXX months exceed guideline requirements. Depth of credit with timely prior housing history dating back to XXXXXX. 2023-04-17 19:48 Waived 2 2 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 924560 4 of 6 2023-04-14 13:17 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. XXXXXX shows borrower is XXXXXX% of the vesting entity, The XXXXXX. The additional owner is not on the loan. Guidelines require all owners of the vesting entity to be borrowers on the loan. A formal exception was provided in the loan file   
       Reserves exceed guideline requirements. Timely mortgage payment history dating back to XXXXXX. 2023-04-17 22:04 Waived 2 2 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 924561 5 of 6 2023-04-14 13:17 Credit Title - Ownership Issue Title documents provided in the loan file reflected potential ownership issues. Vested owner per title is XXXXXX. The sellers on the purchase contract were listed as XXXXXX and XXXXXX. No documentation was provided to validate the sellers on the contract are the owners of the vested XXXXXX.  

   Document uploaded.  - 04/19/2023

 



 Documentation provided is sufficient.  - 04/19/2023

   2023-04-19 23:22 Resolved 3 1 3 2
XXXXXX 1024677   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 924562 6 of 6 2023-04-14 13:18 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-04-14 13:18 Cleared 1 1 3 2
XXXXXX 1024688   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 956376 1 of 4 2023-05-05 16:36 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-05-05 16:36 Cleared 1 1 2 2
XXXXXX 1024688   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 959161 2 of 4 2023-05-09 01:05 Property Property Issue - Neighborhood Location The subject appraisal verified a neighborhood location not allowed per guidelines. Per guidelines, rural properties are not allowed for XXXXXX loans. A formal exception is located in the loan file.  



       Reserves exceed guideline requirements. Depth of credit for prior housing history. 2023-05-11 17:36 Waived 2 2 2 2
XXXXXX 1024688   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 959165 3 of 4 2023-05-09 01:32 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-05-09 01:32 Cleared 1 1 2 2
XXXXXX 1024688   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 964626 4 of 4 2023-05-12 03:19 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX income is not properly documented and/or does not meet guidelines. Per guidelines, for use of a XXXXXX estimate from online service provider XXXXXX, a grade of XXXXXX or better score on the XXXXXX is required. The estimate in the file is a XXXXXX. A formal exception is located in the loan file.  

       Reserves exceed guideline requirements. Depth of credit for prior housing history. 2023-05-12 03:19 Waived 2 2 2 2
XXXXXX 1024701   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 958697 1 of 3 2023-05-08 19:08 Compliance Loan Originator NMLS Status is Not Active XXXXXX status is not active. XXXXXX is not active in current XXXXXX.

    Finding Removed - XXXXXX Loan Type - 05/24/2023

   2023-05-24 13:37 Resolved 3 1 3 2
XXXXXX 1024701   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 970822 2 of 3 2023-05-17 13:57 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-05-17 13:57 Cleared 1 1 3 2
XXXXXX 1024701   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 973712 3 of 3 2023-05-18 19:40 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX income is not properly documented and/or does not meet guidelines. When using XXXXXX income from an online service provider, such as an XXXXXX, then a minimum of XXXXXX% occupancy is required.    Current occupancy is XXXXXX%.  Formal exception was provided in the file.

      Over XXXXXX months of reserves verified, which exceeds the guideline requirements for reserves of XXXXXX months.  Borrower has over XXXXXX years of a prior housing history, whereas XXXXXX years is considered good.  2023-05-18 19:43 Waived 2 2 3 2
XXXXXX 1024690   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 962749 1 of 3 2023-05-10 19:38 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-05-10 19:38 Cleared 1 1 1 1
XXXXXX 1024690   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 970979 2 of 3 2023-05-17 14:44 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-05-17 14:44 Cleared 1 1 1 1
XXXXXX 1024690   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 973654 3 of 3 2023-05-18 19:20 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-05-18 19:20 Cleared 1 1 1 1
XXXXXX 1024707   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1018815 1 of 3 2023-06-22 21:09 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-06-25 16:14 Cleared 1 1 2 2
XXXXXX 1024707   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1029001 2 of 3 2023-06-29 15:00 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

    Initial review valuation product exceeded -10%; however, a third valuation ordered and supports original value within -10%. - 05/14/2025

   2025-05-14 22:09 Acknowledged 2 2 2 2
XXXXXX 1024707   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1030589 3 of 3 2023-06-30 02:57 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX  income is not properly documented and/or does not meet guidelines. Minimum of XXXXXX% occupancy is required in order to use XXXXXX rental. XXXXXX confirmed occupancy rate of XXXXXX%.   

       Borrower has XXXXXX months reserves; guidelines require XXXXXX.  Credit profile has XXXXXX years of good credit no mortgage lates.  2023-06-30 02:57 Waived 2 2 2 2
XXXXXX 1024752   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1236784 1 of 3 2023-10-30 19:08 Compliance Missing HUD-1 Closing Statement XXXXXX Document is Missing.
  Document Uploaded.  - 11/03/2023

 Documentation provided is sufficient - 11/03/2023

Document Uploaded.  - 11/03/2023

   2023-11-03 20:39 Resolved 4 1 4 2
XXXXXX 1024752   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1236955 2 of 3 2023-10-30 20:17 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-10-30 20:17 Cleared 1 1 4 2
XXXXXX 1024752   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1238071 3 of 3 2023-10-31 13:54 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per guidelines, the maximum exposure to XXXXXX for a single borrower is XXXXXX loans, or $XXXXXX in total unpaid principal balance. The subject borrower has an exposure of $XXXXXX to XXXXXX. A formal exception was provided in the loan file.  

       More than XXXXXX months of reserves verified; only XXXXXX months are required. The XXXXXX is over XXXXXX; only XXXXXX is required. 2023-10-31 13:54 Waived 2 2 4 2
XXXXXX 1024753   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1237040 1 of 3 2023-10-30 21:19 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-10-31 14:14 Cleared 1 1 2 2
XXXXXX 1024753   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1237095 2 of 3 2023-10-30 22:00 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-10-30 22:00 Cleared 1 1 2 2
XXXXXX 1024753   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1238124 3 of 3 2023-10-31 14:14 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per guidelines, the maximum exposure to XXXXXX for a single borrower is XXXXXX loans, or $XXXXXX in total unpaid principal balance. The subject borrower has an exposure of $XXXXXX to XXXXXX. A formal exception was provided in the loan file.  

       More than XXXXXX months of reserves verified; only XXXXXX months are required. The XXXXXX is over XXXXXX; only XXXXXX is required. 2023-10-31 14:14 Waived 2 2 2 2
XXXXXX 1024759   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1275593 1 of 3 2023-11-25 18:42 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-11-25 18:42 Cleared 1 1 1 1
XXXXXX 1024759   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1275595 2 of 3 2023-11-25 18:59 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-11-25 18:59 Cleared 1 1 1 1
XXXXXX 1024759   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1278227 3 of 3 2023-11-28 15:43 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-11-28 15:43 Cleared 1 1 1 1
XXXXXX 1024764   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1298335 1 of 3 2023-12-07 18:48 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-12-07 18:49 Cleared 1 1 1 1
XXXXXX 1024764   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1298337 2 of 3 2023-12-07 18:49 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-12-07 18:49 Cleared 1 1 1 1
XXXXXX 1024764   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1300881 3 of 3 2023-12-08 17:06 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2023-12-08 17:06 Cleared 1 1 1 1
XXXXXX 1024802   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1662510 1 of 3 2024-05-08 13:05 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-05-08 13:05 Cleared 1 1 3 1
XXXXXX 1024802   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1662511 2 of 3 2024-05-08 13:05 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-05-08 13:05 Cleared 1 1 3 1
XXXXXX 1024802   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1662512 3 of 3 2024-05-08 13:06 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-05-08 13:06 Cleared 1 1 3 1
XXXXXX 1024819   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2068684 1 of 3 2024-07-27 00:28 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-07-27 00:28 Cleared 1 1 2 2
XXXXXX 1024819   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2068698 2 of 3 2024-07-27 00:42 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-07-27 00:42 Cleared 1 1 2 2
XXXXXX 1024819   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2071400 3 of 3 2024-07-28 13:13 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Allow subject to close without XXXXXX.

XXXXXX income permitted with use of a XXXXXX-month look back to determine average monthly rents. Annual or monthly statements from XXXXXX or similar service required. If the subject has less than XXXXXX-month history the rent may be used for XXXXXX purposes provided an XXXXXX supports the run rate of the actual rents received. XXXXXX% of the gross rents will be used for qualifying income. Use of XXXXXX (XXXXXX) may be used to a max XXXXXX of XXXXXX%.

Borrower who is also the...XXXXXX > XXXXXX XXXXXX TOTAL $XXXXXX XXXXXX. (XXXXXX, XXXXXX, XXXXXX). Additional properties on the same street.

The max exposure rule is not automatic. The loans must not be secured to properties in the same XXXXXX area, for example, same block, subdivision, XXXXXX project, or condo project. The files will also be screened for other risk attributes like cash out transaction, high XXXXXX, XXXXXX income, negative credit profiles, and borrower liquidity.
 

       Exceeds minimum reserves by XXXXXX months. Depth of prior housing history XXXXXX years. No derogs past XXXXXX years with minimum XXXXXX trades. 2024-07-28 13:13 Waived 2 2 2 2
XXXXXX 1024813   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1910742 1 of 3 2024-06-30 17:43 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-06-30 17:43 Cleared 1 1 1 1
XXXXXX 1024813   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1910746 2 of 3 2024-06-30 17:51 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-06-30 17:51 Cleared 1 1 1 1
XXXXXX 1024813   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1910747 3 of 3 2024-06-30 17:52 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-06-30 17:52 Cleared 1 1 1 1
XXXXXX 1024832   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2345139 1 of 3 2024-09-10 18:03 Credit Income - Guideline Requirements The income documents provided in the loan file did not meet guidelines. XXXXXX XXXXXX minimum required market grade is XXXXXX% on guidelines. Subject loan has market grade of XXXXXX%. Vesting is XXXXXX. Partnership is sole member.  

       Compensating Factors:  exceeds minimum reserves by XXXXXX months, depth of prior housing history XXXXXX years, no derogs past XXXXXX years with minimum XXXXXX trades 2024-09-10 18:03 Waived 2 2 2 2
XXXXXX 1024832   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2345145 2 of 3 2024-09-10 18:03 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-09-10 18:03 Cleared 1 1 2 2
XXXXXX 1024832   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2345150 3 of 3 2024-09-10 18:04 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-09-10 18:04 Cleared 1 1 2 2
XXXXXX 1024675   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 919092 1 of 3 2023-04-10 21:18 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-04-10 21:18 Cleared 1 1 1 1
XXXXXX 1024675   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 921381 2 of 3 2023-04-12 14:03 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-04-12 14:03 Cleared 1 1 1 1
XXXXXX 1024675   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 924574 3 of 3 2023-04-14 13:24 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-04-14 13:24 Cleared 1 1 1 1
XXXXXX 1024823   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2226494 1 of 3 2024-08-21 14:46 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-08-21 14:46 Cleared 1 1 1 1
XXXXXX 1024823   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2226500 2 of 3 2024-08-21 14:47 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-08-21 14:47 Cleared 1 1 1 1
XXXXXX 1024823   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2226504 3 of 3 2024-08-21 14:47 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-08-21 14:47 Cleared 1 1 1 1
XXXXXX 1024831   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2321424 1 of 3 2024-09-06 14:16 Credit Income - Guideline Requirements The income documents provided in the loan file did not meet guidelines. The guidelines state the maximum loan to value for credit score of XXXXXX and loan amount of $XXXXXX is XXXXXX%.  Subject loan closed with XXXXXX of XXXXXX%. A formal exception is in the file.

      The exception was approved due to exceeding minimum reserves by XXXXXX months, and excess XXXXXX XXXXXX. 2024-09-10 19:50 Waived 2 2 2 2
XXXXXX 1024831   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2321435 2 of 3 2024-09-06 14:16 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-09-06 14:16 Cleared 1 1 2 2
XXXXXX 1024831   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 2321448 3 of 3 2024-09-06 14:16 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-09-06 14:16 Cleared 1 1 2 2
XXXXXX 1024550   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 255573 1 of 3 2022-01-18 20:19 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 15:57 Cleared 1 1 1 1
XXXXXX 1024550   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 261845 2 of 3 2022-01-21 13:45 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 15:57 Cleared 1 1 1 1
XXXXXX 1024550   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 273328 3 of 3 2022-01-27 14:31 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-12-18 15:56 Cleared 1 1 1 1
XXXXXX 1024556   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 302043 1 of 3 2022-02-15 15:50 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 15:59 Cleared 1 1 3 1
XXXXXX 1024556   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 314597 2 of 3 2022-02-23 14:35 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 15:59 Cleared 1 1 3 1
XXXXXX 1024556   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 351459 3 of 3 2022-03-16 15:27 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Borrower did not qualify as experienced investor as no evidence was provided confirming that they owned XXXXXX properties for at least XXXXXX months within last XXXXXX months (final XXXXXX shows only XXXXXX property and XXXXXX in file confirms renting address as primary). Max XXXXXX requirement for first time investor is XXXXXX% and loan closed with XXXXXX% XXXXXX and no evidence of an approved exception in the documentation provided

    Documentation provided was sufficient. - 03/28/2022

   2022-03-28 10:36 Resolved 3 1 3 1
XXXXXX 1024561   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 359209 1 of 3 2022-03-21 19:39 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2022-04-01 00:27 Cleared 1 1 1 1
XXXXXX 1024561   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 359237 2 of 3 2022-03-21 19:43 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 16:01 Cleared 1 1 1 1
XXXXXX 1024561   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 386484 3 of 3 2022-04-06 19:24 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 16:01 Cleared 1 1 1 1
XXXXXX 1024567   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 454385 1 of 3 2022-05-13 14:15 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2022-05-13 14:15 Cleared 1 1 1 1
XXXXXX 1024567   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 454395 2 of 3 2022-05-13 14:16 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2022-05-19 23:05 Cleared 1 1 1 1
XXXXXX 1024567   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 462807 3 of 3 2022-05-18 19:22 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2022-05-18 19:22 Cleared 1 1 1 1
XXXXXX 1024637   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 830004 1 of 3 2023-01-26 21:52 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-01-26 21:52 Cleared 1 1 1 1
XXXXXX 1024637   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 832802 2 of 3 2023-01-30 16:22 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-01-30 16:22 Cleared 1 1 1 1
XXXXXX 1024637   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 832808 3 of 3 2023-01-30 16:23 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-01-30 16:23 Cleared 1 1 1 1
XXXXXX 1024720   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1076300 1 of 5 2023-07-28 17:59 Compliance XXXXXX Rider is Missing XXXXXX is missing. Per XXXXXX is a XXXXXX. No XXXXXX  indicated in XXXXXX or attached to XXXXXX.  

   Document Uploaded.  - 04/29/2024

 Executed XXXXXX Rider and intent to record are sufficient to resolve. - 04/29/2024

Document Uploaded.  - 04/29/2024

   2024-04-29 13:56 Resolved 3 1 3 2
XXXXXX 1024720   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1080849 2 of 5 2023-08-01 15:58 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-08-01 15:58 Cleared 1 1 3 2
XXXXXX 1024720   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1080861 3 of 5 2023-08-01 16:07 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX income is not properly documented and/or does not meet guidelines. Per guidelines, XXXXXX is allowed with an XXXXXX market report reflecting a market grade of XXXXXX or higher. The XXXXXX market report in file reflects a market grade of XXXXXX. A formal exception was provided in the loan file.

    Per guidelines, XXXXXX is allowed with an XXXXXX market report reflecting a market grade of XXXXXX or higher. The XXXXXX market report in file reflects a market grade of XXXXXX. A formal exception was provided in the loan file. - 04/10/2024
 The borrower's contribution exceeds guideline requirements by XXXXXX%. The borrower has more than XXXXXX years of satisfactory housing payment history. 2024-04-10 15:22 Waived 2 2 3 2
XXXXXX 1024720   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1080871 4 of 5 2023-08-01 16:09 Credit Program Parameters - Property Type The subject loan does not meet program parameters for property type. Per guidelines, XXXXXX properties are ineligible for the XXXXXX program. A formal exception was provided in the loan file.  

       The borrower's contribution exceeds guideline requirements by XXXXXX%. The borrower has more than XXXXXX years of satisfactory housing payment history. 2024-04-10 15:18 Waived 2 2 3 2
XXXXXX 1024720   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1080877 5 of 5 2023-08-01 16:13 Credit Program Parameters - Guidelines Conformity The subject loan does not conform to program guidelines. Per guidelines, the maximum acreage for a property is XXXXXX acres. The subject property is XXXXXX acres. A formal exception was provided in the loan file.  

       The borrower's contribution exceeds guideline requirements by XXXXXX%. The borrower has more than XXXXXX years of satisfactory housing payment history. 2024-04-10 15:18 Waived 2 2 3 2
XXXXXX 1024721   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1045084 1 of 4 2023-07-10 20:03 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-07-10 20:03 Cleared 1 1 3 2
XXXXXX 1024721   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1055287 2 of 4 2023-07-14 20:49 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-07-14 20:49 Cleared 1 1 3 2
XXXXXX 1024721   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1055329 3 of 4 2023-07-14 21:23 Credit Asset 1 Less Than 2 Months Verified Asset has less than XXXXXX months verified in file. Per guidelines, XXXXXX months statements required for asset verification. Only XXXXXX month is provided in file.  

     Resolved - 09/18/2023
Asset XXXXXX Verified Sufficiently - 07/24/2023
   2023-09-18 16:42 Resolved 3 1 3 2
XXXXXX 1024721   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1055341 4 of 4 2023-07-14 21:42 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX income is not properly documented and/or does not meet guidelines. XXXXXX used for XXXXXX income. The occupancy rate on the XXXXXX report is XXXXXX%. Lender guidelines require a XXXXXX% or greater occupancy rate. A formal exception approval was provided in the loan file.  

       1) Borrowers have over XXXXXX months in reserves which exceed the guideline requirements. 2) Borrowers credit depth is satisfactory with over XXXXXX years in prior housing history.  2023-07-14 21:42 Waived 2 2 3 2
XXXXXX 1024827   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2272568 1 of 3 2024-08-28 20:34 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-08-28 20:34 Cleared 1 1 1 1
XXXXXX 1024827   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2272569 2 of 3 2024-08-28 20:34 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-08-28 20:34 Cleared 1 1 1 1
XXXXXX 1024827   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 2272591 3 of 3 2024-08-28 20:35 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-08-28 20:35 Cleared 1 1 1 1
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1202732 1 of 6 2023-10-10 14:14 Compliance The Note is Not Executed The Note is not executed. Missing a copy of the note with the borrower's signatures.  

     - 10/13/2023

 The Note is Executed.  The Note provided is compliant. - 10/16/2023
  - 10/13/2023
   2023-10-16 12:32 Resolved 3 1 3 2
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1202808 2 of 6 2023-10-10 14:34 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-10-10 14:34 Cleared 1 1 3 2
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1202827 3 of 6 2023-10-10 14:40 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Per guidelines, the maximum XXXXXX is XXXXXX% when using XXXXXX income. The XXXXXX at approval was XXXXXX%. A formal exception has been located in the loan file.  

       Timely mortgage payment history dating back to XXXXXX. Borrower has over XXXXXX months of reserves.  2023-10-10 17:50 Waived 2 2 3 2
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1202874 4 of 6 2023-10-10 14:55 Compliance The XXXXXX is Not Executed The XXXXXX is not executed. Missing a copy of the deed with the borrower's signatures.  

     - 10/13/2023

 The XXXXXX is executed.  XXXXXX provided is compliant. - 10/16/2023
  - 10/13/2023
   2023-10-16 12:32 Resolved 3 1 3 2
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1202897 5 of 6 2023-10-10 14:58 Credit Missing Business Purpose Affidavit File is missing statement of business purpose. Per guidelines, the borrower must review and sign the borrower certification of business purpose and occupancy certification.  Missing copies signed by the borrowers.  



     The co-borrower is the only borrower to sign the XXXXXX and XXXXXX and the document uploaded is acceptable. - 10/23/2023
The XXXXXX has been signed by the co-borrower, but not the borrower. Please provide a signed affidavit by the borrower. - 10/16/2023
   2023-10-23 16:58 Resolved 3 1 3 2
XXXXXX 1024746   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1203402 6 of 6 2023-10-10 17:48 Credit Program Parameters - Occupancy The subject loan does not meet program parameters for occupancy. Per guidelines, when using XXXXXX income a minimum of XXXXXX% occupancy is required. Per the XXXXXX report located in the loan file, the occupancy rate is XXXXXXX%. A formal exception is located in the loan file.  

       Timely mortgage payment history dating back to XXXXXX. Borrower has over XXXXXX months of reserves.  2023-10-10 17:49 Waived 2 2 3 2
XXXXXX 1024555   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 302180 1 of 4 2022-02-15 16:38 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 16:20 Cleared 1 1 3 1
XXXXXX 1024555   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 302181 2 of 4 2022-02-15 16:38 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-18 16:20 Cleared 1 1 3 1
XXXXXX 1024555   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 348589 3 of 4 2022-03-15 13:04 Credit Liabilities - Payoff Missing The required debt payoffs were missing from the loan file. The subject transaction is a cash out refinance, however the XXXXXX does not show payoff of the previous mortgage (XXXXXX) nor is there documentation that the loan was paid outside of closing.   
     Exception has been voided. - 03/23/2022

   2022-03-23 16:19 Resolved 3 1 3 1
XXXXXX 1024555   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 348607 4 of 4 2022-03-15 13:08 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Per Per XXXXXX XXXXXX guidelines effective XXXXXX states: On a refinance, unleased or vacant properties allowed with a XXXXXX% XXXXXX reduction. XXXXXX is required and XXXXXX calculated, but not used for pricing purposes. Per the appraisal, the subject property is vacant, resulting in the XXXXXX being reduced from XXXXXX% to XXXXXX%. The current XXXXXX is XXXXXX% which is outside of guidelines.

    Documentation provided was sufficient. - 04/12/2022

   2022-04-12 15:49 Resolved 3 1 3 1
XXXXXX 1024554   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 301775 1 of 3 2022-02-15 14:25 Credit Flood Certificate Missing Missing flood certificate.

    Documentation provided was sufficient. - 04/08/2022

   2022-04-08 12:58 Resolved 4 1 4 1
XXXXXX 1024554   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 315659 2 of 3 2022-02-23 20:03 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 16:37 Cleared 1 1 4 1
XXXXXX 1024554   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 349659 3 of 3 2022-03-15 19:03 Property Missing Doc - 3rd Party Valuation Product/Missing The loan file did not contain the required XXXXXX product. The file is missing XXXXXX as required by the XXXXXX guidelines dated XXXXXX for loan amount >XXXXXX million  
     Documentation provided was sufficient. - 04/08/2022

   2022-04-08 12:58 Resolved 3 1 4 1
XXXXXX 1024562   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 379301 1 of 4 2022-04-01 19:16 Credit Title Document Missing Title document is missing. Title document is missing XXXXXX document is not provided. Per the XXXXXX XXXXXX guidelines there should be a title that is provided within XXXXXX days.  

     Documentation provided was sufficient.  - 04/21/2022

   2022-04-21 20:59 Resolved 3 1 3 2
XXXXXX 1024562   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 379330 2 of 4 2022-04-01 19:26 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2024-12-18 16:37 Cleared 1 1 3 2
XXXXXX 1024562   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 379332 3 of 4 2022-04-01 19:26 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-12-20 21:54 Cleared 1 1 3 2
XXXXXX 1024562   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 379341 4 of 4 2022-04-01 19:28 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. XXXXXX is out of guidelines from appraised value, as XXXXXX is at XXXXXX% and max XXXXXX per guidelines is XXXXXX% as under XXXXXX XXXXXX score. Formal exception was provided in file.

      Reserves exceed guideline requirements, Depth of credit from prior Housing History.  2022-04-15 21:09 Waived 2 2 3 2
XXXXXX 1024634   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 837624 1 of 3 2023-02-01 21:10 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-02-01 21:10 Cleared 1 1 2 2
XXXXXX 1024634   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 841685 2 of 3 2023-02-06 14:33 Credit Purchase Contract - Addendum Missing The XXXXXX is missing. Missing XXXXXX, extending the expiration date of the contract.

      Borrower has XXXXXX qualifying XXXXXX; <XXXXXX% XXXXXX 2023-02-12 20:23 Acknowledged 2 2 2 2
XXXXXX 1024634   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 841686 3 of 3 2023-02-06 14:34 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-02-06 14:34 Cleared 1 1 2 2
XXXXXX 1024638   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 842514 1 of 3 2023-02-06 18:34 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-02-06 18:34 Cleared 1 1 3 2
XXXXXX 1024638   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 852407 2 of 3 2023-02-13 17:04 Credit Purchase Contract - Missing The loan file did not contain the XXXXXX as required.
  Document uploaded.  - 02/20/2023

 



 Documentation provided is sufficient.  - 02/20/2023

   2023-02-20 19:46 Resolved 3 1 3 2
XXXXXX 1024638   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 853474 3 of 3 2023-02-14 00:04 Property Property Issue - Neighborhood Location The subject appraisal verified a neighborhood location not allowed per guidelines. XXXXXX property is not permitted per guidelines. Formal exception in file.

      Reserves exceed guidelines requirements by XXXXXX months. Depth of credit for prior housing history is over XXXXXX years. 2023-02-15 18:10 Waived 2 2 3 2
XXXXXX 1024651   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 903708 1 of 3 2023-03-28 16:29 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-03-28 16:29 Cleared 1 1 2 2
XXXXXX 1024651   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 905071 2 of 3 2023-03-29 13:11 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-03-29 13:11 Cleared 1 1 2 2
XXXXXX 1024651   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 905078 3 of 3 2023-03-29 13:12 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. Per guidelines, the maximum XXXXXX allowed is XXXXXX%.  The approved  XXXXXX is XXXXXX%.  Formal exception was provided in the file.

      The reserves exceed guideline requirements by XXXXXX months of reserves verified. The XXXXXX of XXXXXX exceeds the required XXXXXX of XXXXXX. 2023-03-30 17:39 Waived 2 2 2 2
XXXXXX 1024678   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 918489 1 of 3 2023-04-10 16:06 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-04-11 15:06 Cleared 1 1 1 1
XXXXXX 1024678   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 922950 2 of 3 2023-04-13 15:02 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-04-13 15:02 Cleared 1 1 1 1
XXXXXX 1024678   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 922974 3 of 3 2023-04-13 15:08 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-04-14 21:51 Cleared 1 1 1 1
XXXXXX 1024680   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 948247 1 of 3 2023-05-01 16:18 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-05-01 16:40 Cleared 1 1 1 1
XXXXXX 1024680   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 954488 2 of 3 2023-05-04 17:12 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-05-04 17:12 Cleared 1 1 1 1
XXXXXX 1024680   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 954489 3 of 3 2023-05-04 17:12 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-05-04 17:12 Cleared 1 1 1 1
XXXXXX 1024706   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1005258 1 of 3 2023-06-13 20:57 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-06-13 20:57 Cleared 1 1 2 2
XXXXXX 1024706   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1010367 2 of 3 2023-06-16 17:53 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-06-16 17:53 Cleared 1 1 2 2
XXXXXX 1024706   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1010958 3 of 3 2023-06-17 02:36 Credit Subject property Short Term Rental Income does not meet qualification XXXXXX income is not properly documented and/or does not meet guidelines. Per guideline, a XXXXXX% occupancy rate on XXXXXX is required to use XXXXXX Income and documentation in file reflects a XXXXXX% occupancy rate. Formal exception provided in file.
 

       The exception was approved due to well over XXXXXX months of reserves, and XXXXXX years of good, prior housing history. 2023-06-17 02:36 Waived 2 2 2 2
XXXXXX 1024713   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1038917 1 of 3 2023-07-06 19:37 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-07-07 15:25 Cleared 1 1 1 1
XXXXXX 1024713   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1046659 2 of 3 2023-07-11 13:31 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-07-11 13:32 Cleared 1 1 1 1
XXXXXX 1024713   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1046749 3 of 3 2023-07-11 14:04 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-07-11 14:04 Cleared 1 1 1 1
XXXXXX 1024717   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1073383 1 of 3 2023-07-27 16:07 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-07-27 19:26 Cleared 1 1 1 1
XXXXXX 1024717   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1079363 2 of 3 2023-07-31 20:35 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-07-31 20:36 Cleared 1 1 1 1
XXXXXX 1024717   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1081020 3 of 3 2023-08-01 17:21 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-08-01 17:21 Cleared 1 1 1 1
XXXXXX 1024726   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1108565 1 of 3 2023-08-15 00:07 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-08-15 00:07 Cleared 1 1 3 1
XXXXXX 1024726   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1116104 2 of 3 2023-08-18 13:17 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-08-18 13:17 Cleared 1 1 3 1
XXXXXX 1024726   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1118803 3 of 3 2023-08-21 13:52 Credit Missing VOM or VOR XXXXXX/XXXXXX Document is Missing. Provide XXXXXX for primary res XXXXXX.  

   Document Uploaded.  - 09/08/2023

   - 08/23/2023

 Document provided is sufficient.  - 09/08/2023
XXXXXX Document is not Missing - 09/08/2023
Document Uploaded.  - 09/08/2023
Per guidelines, XXXXXX is required.  Missing a XXXXXX month XXXXXX history for current address at XXXXXX.  - 09/05/2023
  - 08/23/2023
   2023-09-08 17:50 Resolved 3 1 3 1
XXXXXX 1024771   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1333103 1 of 3 2023-12-23 18:53 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-12-23 18:53 Cleared 1 1 2 2
XXXXXX 1024771   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1333104 2 of 3 2023-12-23 18:53 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2023-12-23 18:53 Cleared 1 1 2 2
XXXXXX 1024771   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1336463 3 of 3 2023-12-27 00:01 Credit Audited XXXXXX Exceeds Guideline XXXXXX Audited XXXXXX exceeds guideline XXXXXX. XXXXXX XXXXXX exceeds max allowed of XXXXXX% per XXXXXX Guidelines.  XXXXXX in file.

      RESERVES EXCEED GUIDELINE REQUIREMENTS; DEPTH OF CREDIT: PRIOR HOUSING HISTORY 2025-03-07 18:16 Waived 2 2 2 2
XXXXXX 1024768   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1313026 1 of 3 2023-12-13 21:35 Compliance No Compliance Findings The loan meets all applicable compliance guidelines.

        2023-12-13 21:35 Cleared 1 1 1 1
XXXXXX 1024768   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1313028 2 of 3 2023-12-13 21:35 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-12-13 21:35 Cleared 1 1 1 1
XXXXXX 1024768   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1313030 3 of 3 2023-12-13 21:35 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-12-13 21:35 Cleared 1 1 1 1
XXXXXX 1024775   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1344166 1 of 3 2023-12-29 21:00 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2023-12-29 21:00 Cleared 1 1 1 1
XXXXXX 1024775   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1344167 2 of 3 2023-12-29 21:00 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2023-12-29 21:00 Cleared 1 1 1 1
XXXXXX 1024775   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1344169 3 of 3 2023-12-29 21:00 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2023-12-29 21:00 Cleared 1 1 1 1
XXXXXX 1024803   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1490235 1 of 3 2024-03-12 22:47 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-03-12 22:47 Cleared 1 1 1 1
XXXXXX 1024803   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1490237 2 of 3 2024-03-12 22:48 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-03-12 22:48 Cleared 1 1 1 1
XXXXXX 1024803   XXXXXX XXXXXX XXXXXX XXXXXX Investment Purchase ATR/QM: Exempt ATR/QM: Exempt 1492196 3 of 3 2024-03-13 15:53 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-03-13 15:53 Cleared 1 1 1 1
XXXXXX 1024801   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1562634 1 of 3 2024-04-09 15:33 Credit No Credit Findings The loan meets all applicable credit guidelines.

        2024-04-09 15:33 Cleared 1 1 1 1
XXXXXX 1024801   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1562635 2 of 3 2024-04-09 15:33 Compliance No Compliance Tests Performed DSCR / Business Purpose loans are exempt from Reg Z and Reg X.

        2024-04-09 15:33 Cleared 1 1 1 1
XXXXXX 1024801   XXXXXX XXXXXX XXXXXX XXXXXX Investment Refinance ATR/QM: Exempt ATR/QM: Exempt 1562636 3 of 3 2024-04-09 15:33 Property Value - Value is supported within -10% of original appraisal amount The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied.

        2024-04-09 15:33 Cleared 1 1 1 1