GS Mortgage-Backed Securities Trust 2025-NQM2

Exhibit 99.1 - Schedule 2

 

Customer Loan ID Seller Loan ID Loan Exception ID Deal Num Investor Loan Number Deal Name Exception ID Last Name Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Type Exception Subcategory Exception Status Exception Status Change Date Exception Grade Exception Exception Information Exception Rebuttal Exception Rebuttal Date Compensating Factors Statute of Limitation Date Assigned To Comments
710000014 XXXXXX XXX     XXX XXXXX-01 XXXXX Cash Out: Other/Multipurpose/
Unknown purpose		 Investment  XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2022 Credit No Credit Findings Resolved 10/27/2022 1 No Credit Findings The loan meets all applicable credit guidelines.         Complete  
710000016 XXXXXX XXX     XXX XXXXX-01 XXXXX Cash Out: Other/Multipurpose/
Unknown purpose		 Investment  XX/XX/XXXX XXX XXXXXX Loan Review Complete 12/XX/2022 Credit No Credit Findings Resolved 12/28/2022 1 No Credit Findings The loan meets all applicable credit guidelines. The $XXX includes the special assessment on the appraisal, please review and waive, thank you.       Complete Additional information provided; exception resolved
710000020 XXXXXX XXX     XXX XXXXX-01 XXXXX Other than first time Home Purchase Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit No Credit Findings Resolved 09/18/2024 1 No Credit Findings The loan meets all applicable guidelines         Complete Cleared
710000022 XXXXXX XXX XXX   XXX FCRE1316 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit Borrower 1 3rd Party VOE Prior to Close Missing Resolved 09/05/2024 1 Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing Please provide a verification the business, XXX, is open and active within 30 days of closing.   Document Uploaded. The property has been sold.       Complete Additional documentation provided; Exception Resolved.
710000022 XXXXXX XXX XXX   XXX FCOM9186 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Compliance eSigned Documents Consent is Missing Resolved 09/05/2024 1 eSigned Documents Consent is Missing The eSigned documents consent is missing. The eSigned documents consent is missing.         Complete Cleared
710000022 XXXXXX XXX XXX   XXX FCRE7497 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit Missing verification of taxes, insurance, and/or HOA fees for non-subject property Resolved 09/13/2024 1 Missing verification of taxes, insurance, and/or HOA fees for non-subject property Please provide documentation (mortgage information, taxes, insurance, home owners association dues, etc.) on the undisclosed property owned by the borrower listed on the addendum to the purchase contract: XXX.  If this property is not owned by the borrower any longer, please provide evidence of sale.   Document Uploaded.        Complete Evidence of eConsent is provided.
710000022 XXXXXX XXX XXX   XXX FPRO8998 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Property No Property Findings Resolved 09/04/2024 1 No Property Findings Property and valuations related findings were not identified on the loan. Document Uploaded.        Complete Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Resolved
710000026 XXXXXX XXX XXX   XXX FCOM9186 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Compliance eSigned Documents Consent is Missing Resolved 09/22/2024 1 eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned documents consent is missing.         Complete Cleared
710000026 XXXXXX XXX XXX   XXX FCOM5135 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Compliance Missing Required Affiliated Business Disclosure Resolved 09/22/2024 1 Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing         Complete Cleared
710000026 XXXXXX XXX XXX   XXX FCRE8999 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit No Credit Findings Resolved 09/16/2024 1 No Credit Findings The loan meets all applicable credit guidelines.         Complete HPML compliant
710000026 XXXXXX XXX XXX   XXX FPRO8998 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Property No Property Findings Resolved 09/16/2024 1 No Property Findings Property and valuations related findings were not identified on the loan.         Complete Cleared
710000036 XXXXXX XXX XXX   XXX finding-3352 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Compliance Higher-Priced Mortgage Loan Test Resolved 09/19/2024 1 Higher-Priced Mortgage Loan Test HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A.  This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.         Complete Cleared
710000036 XXXXXX XXX XXX   XXX FCRE8999 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit No Credit Findings Resolved 09/19/2024 1 No Credit Findings The loan meets all applicable credit guidelines. Document Uploaded.        Complete Evidence of eConsent is provided.
710000036 XXXXXX XXX XXX   XXX FPRO8998 XXXXX First Time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Property No Property Findings Resolved 09/19/2024 1 No Property Findings Property and valuations related findings were not identified on the loan. Document Uploaded.        Complete 2nd Level Review, Client provided documentation sufficient to clear.
710000024 XXXXXX XXX XXX   XXX FCOM9186 XXXXX Cash Out: Other/Multi purpose Unknown Purpose Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Compliance eSigned Documents Consent is Missing Resolved 09/22/2024 1 eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned documents consent is missing.         Complete Cleared
710000024 XXXXXX XXX XXX   XXX FCRE4293 XXXXX Cash Out: Other/Multi purpose Unknown Purpose Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit File does not contain all required Asset Statement(s) Resolved 09/22/2024 1 File does not contain all required Asset Statement(s) When the gift funds are not transferred prior to closing, it must be documented that the donor gave the
closing agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire
transfer. Guidelines dated XXX		            
710000024 XXXXXX XXX XXX   XXX FPRO8998 XXXXX Cash Out: Other/Multi purpose Unknown Purpose Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Property No Property Findings Resolved 09/19/2024 1 No Property Findings Property and valuations related findings were not identified on the loan.            
710000030 XXXXXX XXX XXX   XXX FPRO8998 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 09/XX/2024 Property No Property Findings Resolved 09/17/2024 1  No Property Findings Property and valuations related findings were not identified on the loan.         Complete Cleared
710000030 XXXXXX XXX XXX   XXX FCOM8997 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 09/XX/2024 Compliance No Compliance Findings Resolved 09/17/2024 1  No Compliance Findings The loan is in compliance with all applicable laws and regulations.         Complete Cleared
710000030 XXXXXX XXX XXX   XXX FCRE8999 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 09/XX/2024 Credit No Credit Findings Resolved 09/17/2024 1  No Credit Findings The loan meets all applicable credit guidelines.         Complete Cleared
710000034 XXXXXX XXX XXX   XXX FCRE1440 XXXXX Rate Term Refinance Borrower Initiation Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Credit Housing History Does Not Meet Guideline Requirements Acknowledged 10/16/2024 2  Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements Lender Exception made for 1x30 subject mortgage history         Complete  
710000034 XXXXXX XXX XXX   XXX FPRO8998 XXXXX Rate Term Refinance Borrower Initiation Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Property No Property Findings Resolved 10/17/2024 1  No Property Findings Property and valuations related findings were not identified on the loan.         Complete Cleared
710000034 XXXXXX XXX XXX   XXX FCRE8999 XXXXX Rate Term Refinance Borrower Initiation Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Credit No Credit Findings Resolved 10/17/2024 1  No Credit Findings The loan meets all applicable credit guidelines.         Complete Cleared
710000028 XXXXXX XXX XXX   XXX FCRE1497 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Credit ATR: Reasonable Income or Assets Not Considered Resolved 11/15/2024 1  ATR: Reasonable Income or Assets Not Considered ATR:  Reasonable Income or Assets Not Considered This loan does not qualify based on auditor's review.  The auditor is using $XXX/month for income based off the profit and loss statement.  Subject PITIA of $XXX.  REO net rent loss $XXX.  Other monthly debt $XXX.  This results in a DTI of XXX% which exceeds the XXX% guideline.  The 12 month P&L supports $XXX/month in net income (lender did not deduct meals and entertainment expenses.)  The 2 months bank statements provided only supports $XXX/month in gross income (when excluded deposits have been removed) which is not within the allowable tolerance of the gross monthly income on the P&L.  Please provide additional bank statements or documentation to support the gross income listed on the profit and loss statement.  The auditor has excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (sale of mobile home at XXX.)
Lender provided updated Income Calculator showing use of P&L Only for income determination to match Income used on F1008 for loan approval in change requested by Lender to P&L Only Program. ; Document Uploaded. ; Document Uploaded. ; Document Uploaded.        Complete ATR:  Reasonable Income or Assets Was Considered; ATR:  Reasonable Income or Assets Not Considered; ; ATR:  Reasonable Income or Assets Was Considered; Additional information and documentation provided; exception resolved.; Exception Remains. Per guidelines for P&L with 2 months bank statements: The total monthly average deposits from the bank statements, minus any disallowed deposits, must be no more than 20% less than the monthly gross revenue on the P&L. Based on Auditor's bank statement income calculation the income is greater than 20% of the gross revenue on the P&L. Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)) Or advise how to proceed.; Exception Remains, Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and the XX/XX/XXXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)). 
710000028 XXXXXX XXX XXX   XXX FCRE1438 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Credit ATR Risk Resolved 11/15/2024 1  ATR Risk ATR Risk Auditor has reviewed the P&L and 2 months bank statements used to support the borrower's XXX business.  The 12 month P&L supports $XXX/month in net income (lender did not deduct meals and entertainment expenses.)  The XXX and XXX XXX#XXX statement does not support the gross monthly income listed on the P&L.  The 2 months bank statements support gross income of $XXX/month which does not meet the 12 month P&L + 2 month bank statement guidelines.   The auditor has deducted the interest payments, $XXX transfer from savings #XXX, all XXX deposits from XXX (family) which totals $XXX and the XX/XX/XXXX XXX payment of $XXX from XXX (payment on the sale of the mobile home at XXX.)   Using the auditor's income from the P&L calculation of $XXX/month increases the DTI to .  Please provide additional bank statements or supporting documentation to support the monthly gross income listed on the profit and loss statement.  Lender provided updated Income Calculator showing use of P&L Only for income determination to match Income used on F1008 for loan approval in change requested by Lender to P&L Only Program. ; Document Uploaded. ; Document Uploaded.        Complete ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; ATR Risk Resolved; Additional information and documentation provided; exception resolved.; Exception Remains. Per guidelines for  P&L with 2 months bank statements: The total monthly average deposits from the bank statements, minus any disallowed deposits, must be no more than 20% less than the monthly gross revenue on the P&L. Based on Auditor's bank statement income calculation the income is greater than 20% of the gross revenue on the P&L. Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)) Or advise how to proceed.; Exception Remains, Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and theXX/XX/XXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)).
710000028 XXXXXX XXX XXX   XXX FCRE1193 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Credit Audited DTI Exceeds Guideline DTI Resolved 11/15/2024 1  Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% This loan does not qualify based on auditor's review.  The auditor is using $XXX/month for income based off the profit and loss statement.  Subject PITIA of $XXX.  REO net rent loss $XXX.  Other monthly debt $XXX.  This results in a DTI of XXX% which exceeds the XXX% guideline.  The 12 month P&L supports $XXX/month in net income (lender did not deduct meals and entertainment expenses.)  The 2 months bank statements provided only supports $XXX/month in gross income (when excluded deposits have been removed) which is not within the allowable tolerance of the gross monthly income on the P&L.  Please provide additional bank statements or documentation to support the gross income listed on the profit and loss statement.  The auditor has excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (sale of mobile home at XXX.)  Lender provided updated Income Calculator showing use of P&L Only for income determination to match Income used on F1008 for loan approval in change requested by Lender to P&L Only Program.  ; Document Uploaded. ; Document Uploaded.        Complete Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX%; Additional information and documentation provided; exception resolved.; Exception Remains. Per guidelines for P&L with 2 months bank statements: The total monthly average deposits from the bank statements, minus any disallowed deposits, must be no more than 20% less than the monthly gross revenue on the P&L. Based on Auditor's bank statement income calculation the income is greater than 20% of the gross revenue on the P&L. Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)) Or advise how to proceed.; Exception Remains, Please provide additional bank statements or documentation to support the gross income listed on the P&L statement due to the XXX deposits being excluded, the 2 months bank statement income provided does not support the P&L Income. (Excluded XXX deposits from family/XXX and the XX/XX/XXXX deposit for $XXX from XXX (participant in sale of mobile home at XXX.)).
710000028 XXXXXX XXX XXX   XXX FCOM1654 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Compliance O.C.G.A. § 7-6a-4 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria Resolved 10/21/2024 1  O.C.G.A. § 7-6a-4 - Tangible Net Benefit Disclosure, or worksheet when applicable, is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria O.C.G.A. § 7-6a-4 - Tangible Net Benefit Disclosure or worksheet is missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. There's no evidence of the Tangible worksheet in the loan file.          Complete Not required unless a high cost loan; exception resolved; Tangible Net Benefit Disclosure or worksheet was provided prior to or at consummation.
710000028 XXXXXX XXX XXX   XXX FCOM9186 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Compliance eSigned Documents Consent is Missing Resolved 10/21/2024 1  eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned documents consent is missing. Document Uploaded.        Complete Evidence of eConsent is provided.
710000028 XXXXXX XXX XXX   XXX FPRO8998 XXXXX Rate Term Refinance Borrower Initiation Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 10/XX/2024 Property No Property Findings Resolved 10/18/2024 1  No Property Findings Property and valuations related findings were not identified on the loan.         Complete Cleared
710000018 XXXXXX XXX       -96658 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2023 Compliance Higher-Priced Mortgage Loan Resolved 11/27/2023 1 Higher-Priced Mortgage Loan Higher-Priced Mortgage Loan ( 12 CFR §1026.35(a)(1) )The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June 1, 2013, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXXX%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (XXXX%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (XXXX%) by 3.5% or more.; HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. ; HPML Loan with established escrows and appraisal requirements have been met. HPML compliant   Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower 1 has significant job time - Borrower has XXX years on job
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
   Complete Cleared
710000018 XXXXXX XXX       3603 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2023 Credit No Credit Findings Resolved 11/27/2023 1 No Credit Findings The loan meets all applicable credit guidelines.     Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower 1 has significant job time - Borrower has XXX years on job
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
   Complete Cleared
710000018 XXXXXX XXX       3782 XXXXX Other than first time Home Purchase Primary Residence XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2023 Property No Property Findings Resolved 11/27/2023 1 No Property Findings Property and valuations related findings were not identified on the loan.      Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Borrower 1 has significant job time - Borrower has XXX years on job
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
   Complete Cleared
710000012 XXXXXX XXX XXX   XXX 3602 XXXXX Other than first time Home Purchase Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2022 Compliance No Compliance Findings Resolved 11/7/2022 1 No Compliance Findings The loan is in compliance with all applicable laws and regulations.
     Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; 		   Complete  
710000012 XXXXXX XXX XXX   XXX 3603 XXXXX Other than first time Home Purchase Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2022 Credit No Credit Findings Resolved 11/8/2022 1 No Credit Findings The loan meets all applicable credit guidelines.     Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; 		   Complete  
710000012 XXXXXX XXX XXX   XXX 3605 XXXXX Other than first time Home Purchase Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 11/XX/2022 Credit Asset Documents are Incomplete Acknowledged 11/22/2022 2 Asset Documents are Incomplete Asset Documents are Incomplete:  Per guidelines, assets must be sourced and seasoned for 60 days.  Business Checking acct# XXX is only provied from XX/XX/XXXX through XX/XX/XXXX.  Need statement dated at least 30 days prior to XX/XX/XXXX to meet requirements.  Change status of 'Asset Documents are Incomplete' from Active to Acknowledged by Client.;
Received CRSE - Other:Assets - Per guidelines, assets must be sourced and seasoned for 60 days. per new guides.  Compensating Factors : Qualifying Credit Score is XXX; DTI-XXX% (Housing Ratio) or XXX% (Total); Qualifying LTV is XXX; Stable Employment History - Borrower with same Employer/Business for XXX years. Acknowledged by client. 		 11/22/2022 Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX.
; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX.
; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX.
; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX, are greater than the Guideline Minimum of XXX or $XXX.
; Borrower has more than 2 years at current residence - Borrower at current residence XXX years
; Borrower has stable job time - Borrower has XXX years at job.
; 		   Complete  
710000032 XXXXXX XXX     XXX XXXXX XXXXX Rate Term Refinance Borrower Initiation Investment XX/XX/XXXX XXX XXXXXX Loan Review Complete 9/XX/2024 Credit Excessive LTV Ratio Acknowledged 09/19/2024 2 Excessive LTV Ratio XXX% LTV > XXX% limit due to a 5% reduction in LTV for 1x30x12. Qualifying value for LTV is $XXX since property was listed for sale and withdrawn on XX/XX/XXXX with a listing price of $XXX.  20240919: Uploaded 09/19/2024 6 months reserves greater than program requirement, FICO above the minimum by 20 points or higher  Complete 20240919: NQM exception approval received.