GS Mortgage-Backed Securities Trust 2025-NQM2

Exhibit 99.1 - Schedule 3

 

GS_LOAN_NUMBER Investor Loan Number EXCEPTIONID EXCEPTIONIDDATE CONDITIONCATEGORY CONDITIONSTANDARDIZEDDESCRIPTION EXCEPTIONCHOSEN EDITEDEXCEPTION COMPENSATINGFACTORS FOLLOW-UPCOMMENTS STATUS CLEAREDDATE OVERRIDEDATE EXCEPTIONLEVELGRADE COMPLETEDATE OUTSIDEQCDATE NOTEDATE PROPERTYSTATE OCCUPANCY PURPOSE
710000014 XXXXX XXXXX-01 10/XX/2022 Credit No Credit Findings No Credit Findings       Resolved 12/XX/2022   1     XX/XX/XXXX XXX Investment Cash Out: Other/Multipurpose/
Unknown purpose
710000016 XXXXX XXXXX-01 12/XX/2022 Credit No Credit Findings No Credit Findings       Resolved 1/XX/2023   1     XX/XX/XXXX XXX Investment Cash Out: Other/Multipurpose/
Unknown purpose
710000020 XXXXX XXXXX-01 9/XX/2024 Credit No Credit Findings The loan meets all applicable guidelines The loan meets all applicable guidelines     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Investment Other than first time Home Purchase
710000022 XXXXX 2301001 9/XX/2024 Credit Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000022 XXXXX 2307693 9/XX/2024 Compliance eSigned Documents Consent is Missing The eSigned documents consent is missing. The eSigned documents consent is missing.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000022 XXXXX 2301383 9/XX/2024 Credit 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.   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.       Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000022 XXXXX 2301384 9/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000026 XXXXX 2363243 9/XX/2024 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned consent disclosure is missing.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000026 XXXXX 2363244 9/XX/2024 Compliance Missing Required Affiliated Business Disclosure Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000026 XXXXX 2382804 9/XX/2024 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000026 XXXXX 2368310 9/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000036 XXXXX 2406994 9/XX/2024 Compliance Higher-Priced Mortgage Loan Test HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A.  HPML is compliant and allowed per lender's guidelines; therefore, downgraded to A.      Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000036 XXXXX 2411724 9/XX/2024 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000036 XXXXX 2411726 9/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence First time Home Purchase
710000024 XXXXX 2412670 9/XX/2024 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned consent disclosure is missing.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Cash Out: Other/ Multipurpose Unknown Purpose
710000024 XXXXX 2412554 9/XX/2024 Credit 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		 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		     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Cash Out: Other/ Multipurpose Unknown Purpose
710000024 XXXXX 2412562 9/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 9/XX/2024   1 9/XX/2024   XX/XX/XXXX XXX Primary Residence Cash Out: Other/ Multipurpose Unknown Purpose
710000030 XXXXX 2382653 09/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 09/XX/2024   1 09/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000030 XXXXX 2356773 09/XX/2024 Compliance No Compliance Findings The loan is in compliance with all applicable laws and regulations. The loan is in compliance with all applicable laws and regulations.     Resolved 09/XX/2024   1 09/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000030 XXXXX 2363385 09/XX/2024 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Resolved 09/XX/2024   1 09/XX/2024   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000034 XXXXX 2613035 10/XX/2024 Credit Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements Housing History Does Not Meet Guideline Requirements     Acknowledged     2     XX/XX/XXXX XXX Investment Rate Term Refinance Borrower Initiation
710000034 XXXXX 2624025 10/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Investment Rate Term Refinance Borrower Initiation
710000034 XXXXX 2624026 10/XX/2024 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Investment Rate Term Refinance Borrower Initiation
710000028 XXXXX 2620000 10/XX/2024 Credit ATR: Reasonable Income or Assets Not Considered ATR:  Reasonable Income or Assets Not Considered ATR:  Reasonable Income or Assets Not Considered     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000028 XXXXX 2620253 10/XX/2024 Credit ATR Risk ATR Risk ATR Risk     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000028 XXXXX 2621275 10/XX/2024 Credit Audited DTI Exceeds Guideline DTI Audited DTI of XXX% exceeds Guideline DTI of XXX% Audited DTI of XXX% exceeds Guideline DTI of XXX%     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000028 XXXXX 2619969 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 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. 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.     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000028 XXXXX 2619970 10/XX/2024 Compliance eSigned Documents Consent is Missing The eSigned consent disclosure is missing. The eSigned consent disclosure is missing.     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000028 XXXXX 2621338 10/XX/2024 Property No Property Findings Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan.     Resolved 10/XX/2024   1 10/XX/2024   XX/XX/XXXX XXX Primary Residence Rate Term Refinance Borrower Initiation
710000018 XXXXX -96658 11/XX/2023 Compliance 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. 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 ($XXX) and the APR exceeds the Average Prime Offer Rate (7.180%) by 1.5% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac ($XXX) and the APR exceeds the Average Prime Offer Rate (7.180%) by 2.5% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (7.180%) 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.     Resolved 11/XX/2023   1 11/XX/2023   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000018 XXXXX 3603 11/XX/2023 Credit No Credit Findings The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines.     Resolved 11/XX/2023   1 11/XX/2023   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000018 XXXXX 3782 11/XX/2023 Property No Property Findings Property and valuations related findings were not identified on the loan.  Property and valuations related findings were not identified on the loan.      Resolved 11/XX/2023   1 11/XX/2023   XX/XX/XXXX XXX Primary Residence Other than first time Home Purchase
710000012 XXXXX XXXXX-03602 11/XX/2022 Compliance No Compliance Findings No Compliance Findings   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.
; 		   Resolved 11/XX/2022   1 11/XX/2022   XX/XX/XXXX XXX Investment Other than first time Home Purchase
710000012 XXXXX XXXXX-03603 11/XX/2022 Credit No Credit Findings No Credit Findings   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.
; 		   Resolved 11/XX/2022   1 11/XX/2022   XX/XX/XXXX XXX Investment Other than first time Home Purchase
710000012 XXXXX XXXXX-03605 11/XX/2022 Credit Asset Documents are Incomplete Asset Documents are Incomplete   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.
; 		   Acknowledged by Client     2 11/XX/2022   XX/XX/XXXX XXX Investment Other than first time Home Purchase
710000032 XXXXX 7438955433 9/XX/2024 Credit 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.  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 ith a listing price of $XXX.  6 months reserves greater than program requirement, FICO above the minimum by 20 points or higher    Acknowledged     2 9/XX/2024   XX/XX/XXXX XXX Investment Rate Term Refinance Borrower Initiation