Exception Detail

Run Date - 06/09/2025 10:47:37 AM

 

Evolve Loan ID

Customer Loan ID

Seller Loan ID

Loan Exception ID

Exception ID

Exception Date

Exception Type

Exception Category

Exception Subcategory

Exception

Exception Detail

Exception Information

Exception Remediation

Compensating Factors

Follow-up Comments

Cleared Date

Cured Date

Waived Date

Exception Level Grade

Exception Level Rating

Note Date

Property State

Occupancy

Purpose

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Final Loan Grade

Compliance Initial Loan Grade

Compliance Final Loan Grade

Property Initial Loan Grade

Property Final Loan Grade

Originator QM ATR Status

TPR QM ATR Status

Is Curable

BVINV 20253_1909

XXXXXXXXXX

XXXXXXXXXXXXXX

7138636

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1909

XXXXXXXXXX

XXXXXXXXXXXXXX

7138637

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

The XXXXXX XXXXXXX is missing from file

Information provided

05/06/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1909

XXXXXXXXXX

XXXXXXXXXXXXXX

7138722

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second valuation provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1911

XXXXXXXXXX

XXXXXXXXXX

7138635

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2238

XXXXXXXXXX

XXXXXXXXXX

7138632

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/16/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2236

XXXXXXXXXX

XXXXXXXX

7138727

258

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal - Completion Certification

Provide the XXXX XXXXXXXXXXXX of XXXXXXXXXXXXX XXXXXXXXX the XXXX XXXXXXXXXXXX is in the file, the appraiser noted that the subject property was not complete at the time of inspection; it was still missing appliances, bathroom fixtures, and both interior and exterior paint.

Final XXXXXX provided

05/06/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1979

XXXXXXXXXX

XXXXXXXXXX

7138685

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

D

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1979

XXXXXXXXXX

XXXXXXXXXX

7138770

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title commitment provided in the amount of XXXXXXXXXXXXXX is less than the loan amount of XXXXXXXXXXXXXXXX XXXXXXXX updated title commitment in an amount equal to or greater than the loan amount.

Title XXXXXXX provided

05/05/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

D

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1003

XXXXXXXXXX

XXXXXXXXXX

7138638

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1978

XXXXXXXXXX

XXXXXXXXXXXXXX

7138582

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1999

XXXXXXXXXX

XXXXXXXXXXXX

7138591

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1999

XXXXXXXXXX

XXXXXXXXXXXX

7138718

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

CDA has been received.

05/27/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1991

XXXXXXXXXX

XXXXXXXXX

7138747

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Received XXX

05/18/2025

A

1

XXXXXXXXXX

TN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1985

XXXXXXXXXX

XXXXXXXXXX

7138692

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1012

XXXXXXXXXX

XXXXXXXXXX

7138786

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/16/2025

A

1

XXXXXXXXXX

SC

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_2026

XXXXXXXXXX

XXXXXXXXXX

7138842

862

XXXXXXXXXX

Compliance

Deed of Trust/Mortgage

Deed of Trust/Mortgage - Other:

Exhibit XX is missing from file. XXXXXXX provide along with XXXX to re record.

Information provided

05/06/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2026

XXXXXXXXXX

XXXXXXXXXX

7139105

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1014

XXXXXXXXXX

XXXXXXX

7138760

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

QM Safe Harbor

1

BVINV 20253_1014

XXXXXXXXXX

XXXXXXX

7139104

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

Second valuation provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

QM Safe Harbor

1

BVINV 20253_1020

XXXXXXXXXX

XXXXXXXXXX

7138761

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1020

XXXXXXXXXX

XXXXXXXXXX

7139100

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1020

XXXXXXXXXX

XXXXXXXXXX

7139103

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Missing corrected final XXXXX with borrower''''s declarations corrected to XXX for intention to occupy the subject property as the primary residence.

received XXXXX with requested information

05/08/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2044

XXXXXXXXXX

XXXXXXXXX

7138793

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Higher Priced QM (APOR)

1

BVINV 20253_2047

XXXXXXXXXX

XXXXXXXXXX

7138726

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2047

XXXXXXXXXX

XXXXXXXXXX

7138791

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1028

XXXXXXXXXX

XXXXXXXXXXXXX

7138729

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1028

XXXXXXXXXX

XXXXXXXXXXXXX

7138788

437

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Missing/Incomplete Verbal VOE

A verbal verification of employment dated no more than XXX business days prior to the note date was not provided.

Re-verification dated XXXXXXXXXX was provided

05/09/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2051

XXXXXXXXXX

XXXXXXXXX

7138730

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1033

XXXXXXXXXX

XXXXXXX

7138798

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/21/2025

A

1

XXXXXXXXXX

SC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1038

XXXXXXXXXX

XXXXXXXXXX

7139101

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score XXXXXXX second valuation is required.

Received XXXXX XXXXXX

05/12/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1042

XXXXXXXXXX

XXXXXXXXX

7138732

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

Reviewer 05/06/2025 12:49 PM; No documentation provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1042

XXXXXXXXXX

XXXXXXXXX

7138777

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title commitment provided in the amount of XXXXXXXXXXXXXX is less than the subject loan amount of XXXXXXXXXXXXXXXX XXXXXXXX updated title policy in an amount greater than or equal to the subject loan amount.

Title XXXXXXX provided

05/06/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1044

XXXXXXXXXX

XXXXXXXX

7138801

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

*Title XXXXXXXXXX proposed policy amount is reflected as XXXXXXXX XXXXXX to reflect XXXXXXXXXXX

Title XXXXXXX provided

05/06/2025

A

1

XXXXXXXXXX

DE

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1045

XXXXXXXXXX

XXXXXXXXXX

7138731

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1063

XXXXXXXXXX

XXXXXXXXXX

7138733

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1055

XXXXXXXXXX

XXXXXXXX

7138737

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2062

XXXXXXXXXX

XXXXXXXX

7138734

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2070

XXXXXXXXXX

XXXXXXXXXX

7138754

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2082

XXXXXXXXXX

XXXXXXXXXXXX

7138120

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2082

XXXXXXXXXX

XXXXXXXXXXXX

7138198

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Loan amount on title commitment of XXXXXXXXXX was less than the loan amount on the XXXXX of XXXXXXXXXXXX

Received revised XXXX

04/30/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2082

XXXXXXXXXX

XXXXXXXXXXXX

7138199

380

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Lease Agreements

Missing the lease agreement for the borrowers primary residence XXXXX XXXXXXX XXXXXX XXXXXXXXXXX XXX XXXXXX as required per XXX XXXXXXXXX when two months cancelled checks are provided.

Received signed lease

04/30/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2075

XXXXXXXXXX

XXXXXXXXXX

7138763

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

The XXXXXXXXXX XXXXX is missing from file.

Information provided

05/09/2025

A

1

XXXXXXXXXX

NV

2

1

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_2079

XXXXXXXXXX

XXXXXXXXXXXXXX

7138728

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

FEMA XXXXXXXXX XXXXXXXXXXXX is required.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2092

XXXXXXXXXX

XXXXXXXXX

7138764

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2104

XXXXXXXXXX

XXXXXXXXXX

7138122

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2104

XXXXXXXXXX

XXXXXXXXXX

7138215

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2104

XXXXXXXXXX

XXXXXXXXXX

7138216

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

The property seller is a company, XXXX XXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX documentation to show who the individual company owners are.

Received XXXXXXXXXXXX of XXXXXXXXXXXXX with seller''''s organizer''''s name

04/30/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2104

XXXXXXXXXX

XXXXXXXXXX

7138404

389

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Fraud Alert documentation

Provide fraud report with all high and medium alerts cleared. XXXXXX reports provided do not reflect all high and medium alerts cleared.

Fraud XXXXXXX review. XXXXX XXXXXXX XXXXXXX was in the file, borrower was a XXXXX income was supported, the subject was a second home transaction.

05/01/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1075

XXXXXXXXXX

XXXXXXXXXX

7138800

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2116

XXXXXXXXXX

XXXXXXXXX

7138124

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

D

B

D

B

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2116

XXXXXXXXXX

XXXXXXXXX

7138200

431

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Verification of assets (statements/VOD) incomplete/missing

The following transaction statement printouts do not meet XXXXX guidelines due to the missing website XXXXX XXXXXXXXXXX XXXXXXXXX XXXXX - XXXXX dated XXXXXXXXXXXX and XXXXXXXX XXXXXXXXXXXXXXX XXXX - XXXXX dated XXXXXXXXXXXXX XXXXXXXX transaction printout that includes the website XXXXXX

Exception allowing XXXX printouts to be used instead of full statements. XXXXXXXXXXXXX XXXXXXXXX XXXXX XXXXX XXXX XXXXX XXXXXXXX credit history.

04/29/2025

B

2

XXXXXXXXXX

FL

2

1

D

B

D

B

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2114

XXXXXXXXXX

XXXXXXXXXX

7138746

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2118

XXXXXXXXXX

XXXXXXX

7138751

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

A

A

D

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2118

XXXXXXXXXX

XXXXXXX

7138752

459

XXXXXXXXXX

Compliance

Note

Note - is missing - No Image of Note found in file

Pages XXXX of the XXXXX were not found in the file. XXXXXXXX complete signed copy.

Information provided

05/08/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

A

A

D

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2120

XXXXXXXXXX

XXXXXXXXXX

7138765

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2121

XXXXXXXXXX

XXXXXXXXXXX

7138759

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2128

XXXXXXXXXX

XXXXXXXX

7138766

184

XXXXXXXXXX

Credit

Flood Certificate

Flood Certificate - Property address incorrect or missing

The property address on the XXXXXX XXXXXXXXXXXX was missing the unit number. XXXXXXXX XXXXXX XXXXXXXXXXXX that includes unit number.

Information provided

05/15/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2136

XXXXXXXXXX

XXXXXXXXXX

7138799

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1113

XXXXXXXXXX

XXXXXXXXXX

7138127

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/21/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1134

XXXXXXXXXX

XXXXXXXXXXXXXX

7138767

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1131

XXXXXXXXXX

XXXXXXXXXX

7138768

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1139

XXXXXXXXXX

XXXXXXXXXX

7138209

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Received XXX

05/18/2025

A

1

XXXXXXXXXX

NJ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2057

XXXXXXXXXX

XXXXXXXXXX

7139127

346

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Complete Purchase Agreement

Missing the XXXXXXXXX XXXXXXXXXX for the subject transaction.

Received ratified contract

05/07/2025

A

1

XXXXXXXXXX

CA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1063

XXXXXXXXXX

XXXXXXXXXX

7139092

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2063

XXXXXXXXXX

XXXXXXXXXX

7139108

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Preliminary XXXXXX XXXXXXX does not reflect XXXXXXX of XXXXXXXXXX or the XXXXXXX of XXXXXXXX on XXXXXXXX XXXXXX XXXXX title policy is required

Received XXXXX with correct information

05/08/2025

A

1

XXXXXXXXXX

CA

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1070

XXXXXXXXXX

XXXXXXXX

7138857

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1070

XXXXXXXXXX

XXXXXXXX

7138860

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1070

XXXXXXXXXX

XXXXXXXX

7139084

346

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Complete Purchase Agreement

Missing the addendum to the purchase agreement with the revised sales XXXXX of XXXXXXXXXXXX XXXXXXXXX purchase agreement XXXXXXXXXXX

Received contract addendum

05/06/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2067

XXXXXXXXXX

XXXXXXXXXX

7139087

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Second valuation required XXX score XXXXXXXX XXXXXXXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

CA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2068

XXXXXXXXXX

XXXXXXXXXXXXXX

7139095

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Second valuation required. XXX XXXXX score XXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2071

XXXXXXXXXX

XXXXXXXXXX

7139364

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

TN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2077

XXXXXXXXXX

XXXXXXXXXXXXX

7139102

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score XXXXXXX second valuation is required.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1073

XXXXXXXXXX

XXXXXXXXXX

7139220

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

AL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2099

XXXXXXXXXX

XXXXXXXXXX

7139256

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

MN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2098

XXXXXXXXXX

XXXXXXX

7139240

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX XXX XXXXXX XXXX

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2098

XXXXXXXXXX

XXXXXXX

7139241

346

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Complete Purchase Agreement

Full sales contract is missing; only modifications, addendums, and exhibits were provided in the loan file.

Full contract provided.

05/12/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1076

XXXXXXXXXX

XXXXXXXXXXXX

7139228

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

The current coverage under the hazard insurance policy is XXXXXXXXXXX which is less than both the loan amount of XXXXXXXXXX and the estimated cost new from the appraisal of XXXXXXXXXXXX XXXXXXXX evidence from insurer that the dwelling coverage of XXXXXXXXXX is sufficient to replace the dwelling in case of total loss.

Per XXXX XXXXXXXXX covered for XXXXXXXXXXXXXX XXXXXXXXXXXX for dwelling estimated at XXXXXXXXXXXXX

05/22/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1076

XXXXXXXXXX

XXXXXXXXXXXX

7138803

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2109

XXXXXXXXXX

XXXXXXXX

7138807

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

The XXXXXXXXXX XXXXX is missing from file.

Information provided

05/08/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_2110

XXXXXXXXXX

XXXXXXXXXX

7139266

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

CU score is XXXXXXX second valuation is required.

Received XXXX within XXXXXX

05/18/2025

A

1

XXXXXXXXXX

HI

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1083

XXXXXXXXXX

XXXXXXXXXX

7139263

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title needs to be updated with the correct loan amount of XXXXXXXXXXXXXX

received revised XXXX

05/08/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_2112

XXXXXXXXXX

XXXXXXXXXXXX

7139246

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score is XXXXXXX second valuation is required.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

AL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2118

XXXXXXXXXX

XXXXXXX

7139264

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

*Provide secondary valuation as XXX score is > XXXXXXX XXXXXXX XXXXXX XXXX

Second XXXXXXXXXX XXXXXXXXX

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

A

A

D

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2128

XXXXXXXXXX

XXXXXXXX

7139304

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide a secondary valuation as XXX score is > XXXXXXX XXXXXXX score is XXXXXX

Received XXXX within XXXX of value

05/18/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2127

XXXXXXXXXX

XXXXXXXXXXXXXX

7139368

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

CU score is XXXXXXX second valuation is required.

AVM received.

05/21/2025

A

1

XXXXXXXXXX

GA

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2127

XXXXXXXXXX

XXXXXXXXXXXXXX

7139414

437

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Missing/Incomplete Verbal VOE

VVOE within XXX days of close missing from file.

Received XXX day XXXX

05/09/2025

A

1

XXXXXXXXXX

GA

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2144

XXXXXXXXXX

XXXXXX

7139366

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

* XXXXXXXXXX are non-perm resident aliens and there is not any documentation in this file to determine the borrowers residency source. XXXXXXX provide documentation to determine source of residency

Copy of XXXXXX provided

05/12/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2144

XXXXXXXXXX

XXXXXX

7139367

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

* XXXXXXXXXX XXXX XXXXX XXXXX XXXXXX on information provided on a prior submission, it appears that the loan purpose, occupancy, subject property address and/or XXXX XXXXX XXX have been modified. XXXXXXX to provided letter of explanation to address prior submission, change purpose and or occupancy, that has been modified.

LOE provided

05/12/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2144

XXXXXXXXXX

XXXXXX

7138802

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1126

XXXXXXXXXX

XXXXXXXXXX

7139365

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1142

XXXXXXXXXX

XXXXXXXXXXXXXX

7139325

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/22/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1184

XXXXXXXXXX

XXXXXXXXXXXXX

7139348

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

TN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1140

XXXXXXXXXX

XXXXXXX

7139310

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1158

XXXXXXXXXX

XXXXXXXXXXXXXX

7139357

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX XXX XXXXXX is XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

SC

2

1

C

A

A

A

A

A

C

A

Higher Priced QM (APOR)

1

BVINV 20253_1372

XXXXXXXXXX

XXXXXXXXXXXXXX

7137873

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

Reviewer 04/22/2025 07:46 PM; Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1372

XXXXXXXXXX

XXXXXXXXXXXXXX

7137969

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1390

XXXXXXXXXX

XXXXXXXXXX

7137956

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1390

XXXXXXXXXX

XXXXXXXXXX

7137965

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

Second XXXXXXXXXX provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1412

XXXXXXXXXX

XXXXXXXXXXXXXX

7137909

338

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Contract approval incomplete/not current

Supply addendum to contract increased sales XXXXX to XXXXXXXXXX per final XXXXX

Addendum provided

04/29/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1454

XXXXXXXXXX

XXXXXXXXXXX

7137913

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

CU score XXXXXX satisfactory second evaluation required

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

TN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1401

XXXXXXXXXX

XXXXXXXXX

7137979

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing a desk review to support the appraisal value of XXXXXXXXXX as the XXXXX score is above XXXXX (actual is XXXX requiring a second collateral evaluation

Received XXXXXX XXX

05/12/2025

A

1

XXXXXXXXXX

NM

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2257

XXXXXXXXXX

XXXXXXXXXX

7137875

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1391

XXXXXXXXXX

XXXXXXXXXXXXXX

7137997

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1391

XXXXXXXXXX

XXXXXXXXXXXXXX

7137998

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing second collateral evaluation to support the appraised value of XXXXXXXXXX as the XXXXX score is over XXXXX (actual XXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1391

XXXXXXXXXX

XXXXXXXXXXXXXX

7137766

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1434

XXXXXXXXXX

XXXXXXXXXXXXXX

7137976

437

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Missing/Incomplete Verbal VOE

VOE no more than XXX business days prior to the note date is required.

Documentation provided

04/25/2025

A

1

XXXXXXXXXX

TN

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1383

XXXXXXXXXX

XXXXXXXXXX

7137964

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score XXXXXXX second evaluation is required.

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1456

XXXXXXXXXX

XXXXXXXXXXXX

7137943

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score is XXXXXXX second level review is required.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

NJ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2156

XXXXXXXXXX

XXXXXXXXXX

7137855

7

XXXXXXXXXX

Credit

Application

Application - Completed, signed, initial application for all applicant not in file

The XXXXXXXX XXXXX XXXXXXXXXXXX for the borrower and co-borrower was not found in the file. XXXXXXXX XXXXXXXX XXXXX XXXXXXXXXXXX for both borrowers.

Information provided

Client 04/28/2025 07:43 AM; uploaded as a XXXXX XXXXXXXXXXXXX to review and clear  Reviewer 04/28/2025 08:59 AM;  Reviewer 04/28/2025 12:03 PM; This has been cleared.
 
 XXXXXXX

04/28/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2156

XXXXXXXXXX

XXXXXXXXXX

7137856

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2156

XXXXXXXXXX

XXXXXXXXXX

7137994

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2156

XXXXXXXXXX

XXXXXXXXXX

7137995

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1463

XXXXXXXXXX

XXXXXXXXXXXXX

7137999

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

*Provide secondary valuation as XXX score was not determined.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

MO

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1409

XXXXXXXXXX

XXXXXXXXXXXXXXX

7137869

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

PDI was ordered, vendor unable to gain access to the property due to being a gated community. XXXXXXXXXXXXX factors are the loan is a secondary home purchase, the loan is XXXXX since origination, XXXXX > XXXXX XXXXX XXXXXX

Reviewer 05/27/2025 03:30 PM; PDI was ordered, vendor unable to gain access to the property due to being a gated community. XXXXXXXXXXXXX factors are the loan is a secondary home purchase, the loan is XXXXX since origination, XXXXX > XXXXX XXXXX XXXXXX

05/27/2025

C

3

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1419

XXXXXXXXXX

XXXXXXXXXX

7137859

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1440

XXXXXXXXXX

XXXXXXX

7137990

335

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Calculation Incorrect

Income was calculated incorrectly at XXXXXXXXXXXXX per month. XXXXXXXXX total monthly income is XXXXXXXXXXXXXX consisting of net rental income of XXXXXXXXXX commission income of XXXXXXXXXXXXX and base salary of XXXXXXXXXXXXXX XXXXXX on the audited income of XXXXXXXXXXXXXX the debt-to-income XXXXXXXX ratio exceeds the allowable tolerance per XXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXXXXX is required in accordance with guideline XXXXXXXXX

Exception allowing XXXXXXXX XXXXX XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXXX XXXXXX zero late pays reporting to credit in XXX  months, assets XXXXXXXXX vs min XXXXXXXXXXX XXXXXXXX XXXX remains below XXXX max.

Client 04/28/2025 10:26 AM; Please waive for XX grade.  XXXX completed.  XXXXXXXXXXX factors include XXXX XXXXXX zero late pays reporting to credit in XXX  months, assets XXXXXXXXX vs min XXXXXXXXXXX  XXXXXXXX XXXX remains below XXXX max.  Reviewer 04/28/2025 11:44 AM;

04/28/2025

B

2

XXXXXXXXXX

AZ

2

1

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1441

XXXXXXXXXX

XXXXXXXXXXXX

7137987

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Disaster XXXXX is missing from file

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1480

XXXXXXXXXX

XXXXXXXXXX

7137870

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/22/2025

A

1

XXXXXXXXXX

NC

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2167

XXXXXXXXXX

XXXXXXXXX

7137781

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

Reviewer 04/22/2025 09:07 AM; Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

06/04/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2161

XXXXXXXXXX

XXXXXXXXXX

7137793

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1543

XXXXXXXXXX

XXXXXXX

7137765

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/21/2025

A

1

XXXXXXXXXX

FL

2

1

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1529

XXXXXXXXXX

XXXXXXX

7137795

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1529

XXXXXXXXXX

XXXXXXX

7137541

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2272

XXXXXXXXXX

XXXXXXXXXX

7137907

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title commitment provided reflected a loan amount of XXXXXXXXXXXXXXX which is less than the loan amount of XXXXXXXXXXXXXXXX  XXXXXXXX updated XXXXXX commitment in an amount equal to or greater than the subject loan amount.

Revised XXXXXX provided

04/24/2025

A

1

XXXXXXXXXX

AZ

2

3

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1936

XXXXXXXXXX

XXXXXXXXXX

7137786

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Preliminary XXXXXX XXXXXXXXXXX provided did not include a title policy amount. XXXXXXXX XXXXXX XXXXXXXXXXX with amount equal to or greater than the subject loan amount.

Revised XXXXXXX reflects XXXXXXXXXXXXXX proposed.

04/24/2025

A

1

XXXXXXXXXX

CA

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1531

XXXXXXXXXX

XXXXXXXX

7137566

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1919

XXXXXXXXXX

XXXXXXXXXXXXX

7138779

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2251

XXXXXXXXXX

XXXXXXXXXXXXX

7138792

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1186

XXXXXXXXXX

XXXXXXXXXX

7138444

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1181

XXXXXXXXXX

XXXXXXXXXX

7138350

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1187

XXXXXXXXXX

XXXXXXXXXX

7138351

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1188

XXXXXXXXXX

XXXXXXXXXXXX

7138691

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM received.

05/21/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

C

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1188

XXXXXXXXXX

XXXXXXXXXXXX

7141328

962

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster

disaster cert needed

Information provided

05/27/2025

A

1

XXXXXXXXXX

FL

2

1

C

B

A

A

C

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1193

XXXXXXXXXX

XXXXXXXXXX

7138511

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

CU XXXXXX XXXXXX second evaluation required

AVM received.

05/21/2025

A

1

XXXXXXXXXX

MO

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1203

XXXXXXXXXX

XXXXXXXXXX

7138212

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

NJ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1210

XXXXXXXXXX

XXXXXXXXXX

7138348

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1211

XXXXXXXXXX

XXXXXXXXXX

7138601

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1213

XXXXXXXXXX

XXXXXXXXXX

7138711

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1223

XXXXXXXXXX

XXXXXXXXXX

7138608

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1230

XXXXXXXXXX

XXXXXXXXXX

7138795

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1225

XXXXXXXXXX

XXXXXXXXX

7138797

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXXXXX along with color photos.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1233

XXXXXXXXXX

XXXXXXXXXXXX

7138535

345

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Occupancy Discrepancy/Misrep

Provide XXXX for reason appraisal contained a XXXXX XXXXXXX XXXXXXX XXXXXXXXXXX XXXXX XXXXXXXXXX normally associated with investment properties. XXXXXXXXXXX conditions may apply.

Received XXX

05/07/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1282

XXXXXXXXXX

XXXXXXXXXX

7138336

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Second valuation required since XXX XXXXX score is XXXXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

OR

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1283

XXXXXXXXXX

XXXXXXXXXXXXX

7138208

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1247

XXXXXXXXXX

XXXXXXXXX

7138210

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1247

XXXXXXXXXX

XXXXXXXXX

7138153

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1248

XXXXXXXXXX

XXXXXXXXXXXXXX

7138755

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

*Provide secondary valuation as XXX score is XXXXX and > XXXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

WA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1248

XXXXXXXXXX

XXXXXXXXXXXXXX

7138758

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

RED XXXXX XXXX XXXXXXXXXX XXXXXXX to provided letter of explanation to address prior submission, change purpose, occupancy, subject property address and/or XXXX XXXXX XXX have been modified.

Received XXX

05/08/2025

A

1

XXXXXXXXXX

WA

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1249

XXXXXXXXXX

XXXXXXXXXX

7138796

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1249

XXXXXXXXXX

XXXXXXXXXX

7138602

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1302

XXXXXXXXXX

XXXXXXXXXX

7138349

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1267

XXXXXXXXXX

XXXXXXXXXX

7138553

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

UW Collateral TPR UW - Second collateral evaluation is required. COMMENT: Provide secondary valuation as XXX score is > XXXXXX

Received XXX

05/18/2025

A

1

XXXXXXXXXX

TX

2

3

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1395

XXXXXXXXXX

XXXXXXXXXXXX

7138156

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1268

XXXXXXXXXX

XXXXXXXXXX

7138232

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

SC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1270

XXXXXXXXXX

XXXXXXXXXX

7138225

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2151

XXXXXXXXXX

XXXXXXX

7138312

386

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Income Documents Expired

Satisfactory evidence of income used for repayment of XXXXXXXXXXXXX monthly for co borrower XXXXXX XXXXXXXX while on disability income until after XXXX payment.

Borrower is returning to work before XXXXXX before XXXXX payment date of XXXXXX XXXX XXXXXXXX XXXXX XXXX XXXXXXXXXX returning to their current employer prior to or on the XXXXX XXXXXXXXX payment due date, the XXXXXXX may use for qualifying income the XXXXXXXXXXX pre-leave gross monthly income.

Client 05/05/2025 01:39 PM; Borrower is returning to work before XXXXXX before XXXXX payment date of XXXXXX  XXXX XXXXXXXX XXXXXX XXXX XXXXXXXXXX returning to their current employer prior to or on the XXXXX XXXXXXXXX payment due date, the XXXXXXX may use for qualifying income the XXXXXXXXXXX pre-leave gross monthly income.  XXXXXXX clear.  Reviewer 05/05/2025 03:41 PM;

05/05/2025

A

1

XXXXXXXXXX

NV

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1290

XXXXXXXXXX

XXXXXXXXX

7138547

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score was not determined.

CDA received.

05/28/2025

A

1

XXXXXXXXXX

VT

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1369

XXXXXXXXXX

XXXXXXXXXX

7138546

436

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Missing/Incomplete VOE

VOE is missing. XX XXXXXXX pre-closing verification is required, it must be dated no more than XXX business days prior to note date.

TWN dated XXXXXXXXXX provided XXXXX dated XXXXXXXXXX

05/05/2025

A

1

XXXXXXXXXX

TN

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1291

XXXXXXXXXX

XXXXXXXXXX

7138254

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1291

XXXXXXXXXX

XXXXXXXXXX

7138255

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1297

XXXXXXXXXX

XXXXXXX

7138300

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1297

XXXXXXXXXX

XXXXXXX

7138428

387

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Taxes and Insurance documentation

Satisfactory evidence primary residence mortgage with XXXXXXXX XXXX includes full escrows, and does not have any additional XXXX payments.

Received mortgage statement with escrow/ XXXXXXX reflects no XXX

05/15/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1316

XXXXXXXXXX

XXXXXXXXXXXX

7138527

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score is XXXXXXX a second valuation is required.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1316

XXXXXXXXXX

XXXXXXXXXXXX

7138529

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title needs to be updated with the correct loan amount of XXXXXXXXXXXXXX

Title XXXXXXX provided

05/05/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1317

XXXXXXXXXX

XXXXXXXX

7138121

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

PDI was ordered, vendor unable to gain access to the property due to being a gated community. XXXXXXXXXXXXX factors are the loan is a secondary home purchase, the loan is XXXXX since origination, XXXXX > XXXXX XXXXX XXX

05/22/2025

C

3

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1332

XXXXXXXXXX

XXXXXXXXXXXXX

7138125

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

05/23/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1332

XXXXXXXXXX

XXXXXXXXXXXXX

7138126

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/23/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1332

XXXXXXXXXX

XXXXXXXXXXXXX

7138223

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1320

XXXXXXXXXX

XXXXXXXXXXXXXX

7138242

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

GA

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1370

XXXXXXXXXX

XXXXXXXXXXXXXX

7138142

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1370

XXXXXXXXXX

XXXXXXXXXXXXXX

7138101

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1321

XXXXXXXXXX

XXXXXXXXXXXXXX

7138102

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1321

XXXXXXXXXX

XXXXXXXXXXXXXX

7138105

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/19/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1517

XXXXXXXXXX

XXXXXXXXXXXXXX

7138562

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

*Provide secondary valuation as XXX score was not determined.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

MS

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1517

XXXXXXXXXX

XXXXXXXXXXXXXX

7138565

389

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Fraud Alert documentation

XXXXXXXX XXXXXXX XXXXXX on XXXX has not been addressed. XXXXXXXXX was to be contacted to verify the borrowers are ok with this loan transaction before extending credit. XXXXXXXXXX XXXXX is missing from this file

Received processor cert regarding fraud alert

05/05/2025

A

1

XXXXXXXXXX

MS

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1348

XXXXXXXXXX

XXXXXXXXXXX

7138583

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1926

XXXXXXXXXX

XXXXXXXXXX

7138431

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1926

XXXXXXXXXX

XXXXXXXXXX

7138308

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1355

XXXXXXXXXX

XXXXXXXXXXXXXX

7138305

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1355

XXXXXXXXXX

XXXXXXXXXXXXXX

7138399

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1430

XXXXXXXXXX

XXXXXXXXXX

7138629

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score is XXXXXXX second valuation is required.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

GA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1457

XXXXXXXXXX

XXXXXXXXXX

7138062

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

PIW lender- XXXXXXXXXXXXX second evaluation required

AVM XXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

TX

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_2156

XXXXXXXXXX

XXXXXXXXXX

7138035

320

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Asset Other

Missing XXXXXX documentation. XXXXX lists an account ending in XXXX with a balance of XXXXXXXXXXXXXXXX XXXX stated to verify a minimum amount totaling XXXXXXXXXXXXXX from the liquid assets listed on the XXXXXXX

Asset statement and XXXXX provided

Client 04/28/2025 07:43 AM; uploaded as a XXXXX XXXXXXXXXXXXX to review and clear  Reviewer 04/28/2025 09:02 AM;

04/28/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1419

XXXXXXXXXX

XXXXXXXXXX

7138002

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2170

XXXXXXXXXX

XXXXXXXXXX

7138110

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

The XXXXXXXXXX XXXXX is missing from file

Information provided

04/30/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1441

XXXXXXXXXX

XXXXXXXXXXXX

7138051

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1423

XXXXXXXXXX

XXXXXXXXXX

7138114

862

XXXXXXXXXX

Compliance

Deed of Trust/Mortgage

Deed of Trust/Mortgage - Other:

Exhibit XX is missing from file. XXXXXXX provide along with XXXX to re record.

Information provided

04/30/2025

A

1

XXXXXXXXXX

AK

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1423

XXXXXXXXXX

XXXXXXXXXX

7138226

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score was not determined.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

AK

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1425

XXXXXXXXXX

XXXXXXXXXXXXXX

7138345

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

KY

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1428

XXXXXXXXXX

XXXXXXXXXX

7138281

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX XXX XXXXXX XXXXX

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1429

XXXXXXXXXX

XXXXXXXXXX

7138041

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

CU score XXXXXX satisfactory second evaluation required

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

AL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1429

XXXXXXXXXX

XXXXXXXXXX

7138044

387

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Taxes and Insurance documentation

Satisfactory evidence primary mortgage with XXXXXXXXX XXXX includes full escrows for taxes and insurance, and evidence of no monthly XXXX

Mortgage statement received

04/25/2025

A

1

XXXXXXXXXX

AL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1532

XXXXXXXXXX

XXXXXXXXXXXXXX

7138037

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Received XXXXXX XXX

05/12/2025

A

1

XXXXXXXXXX

OH

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1533

XXXXXXXXXX

XXXXXXXXXX

7138119

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

System cleared

05/12/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_2171

XXXXXXXXXX

XXXXXXXXXX

7138123

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2171

XXXXXXXXXX

XXXXXXXXXX

7138234

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1480

XXXXXXXXXX

XXXXXXXXXX

7138086

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title needs to be updated with the correct loan amount of XXXXXXXXXXXXXX

Revised XXXXXX provided

04/25/2025

A

1

XXXXXXXXXX

NC

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1480

XXXXXXXXXX

XXXXXXXXXX

7138080

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/22/2025

A

1

XXXXXXXXXX

NC

2

1

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1507

XXXXXXXXXX

XXXXXXXXXX

7138048

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

PA

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1512

XXXXXXXXXX

XXXXXXXX

7138128

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Missing the documentation that the loan with XXXX was paid off. XXXXX evidence to support omission in the mortgage file XXXXXXXXXX XXXX XXXXXX XXXXXX XXXXXXXXXXXX XXXXX XXXXXXXXXXXXXX

XX-month business XXXX statements have been uploaded to show the business pays for the XXXX auto account- XXXXXXXXXX paid per month- account can be omitted. XXXX does not need to be re-ran due to age of loan.

Client 05/05/2025 12:13 PM; XX month business XXXX statements have been uploaded to show the business pays for the XXXX auto account- XXXXXXXXXX paid per month- account can be omitted.  XXXX cannot be re-ran due to age, please waive for XX grade.  Reviewer 05/05/2025 01:36 PM;

05/05/2025

A

1

XXXXXXXXXX

IL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1512

XXXXXXXXXX

XXXXXXXX

7138160

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

The XXXX is not acceptable, it appears additional debts were paid and or not included in the debt ratio. XXXX reports XXXX at XXXXX however, the XXXX is at XXXXXXXXX using the credit report utilized by the XXXXXX XXXX final XXXXX indicated revolving debt was paid and accounts XXXXXXXXXX ending in XXXXX and XXXXXXXXXXXXX account ending in XXXXX were paid, and not reported in the XXX automated approval. XXXXX XXXX re-run and evidence of the two revolving debts as paid in full.

XX-month business XXXX statements have been uploaded to show the business pays for the XXXX auto account- XXXXXXXXXX paid per month- account can be omitted. XXXX does not need to be re-ran due to age of loan.

Client 05/05/2025 12:14 PM; AUS cannot be re-ran due to age, please waive for XX grade.  XXXXXXXXXXXX previously provided verifying these two accounts are paid with zero balance.    Reviewer 05/05/2025 01:36 PM;

05/05/2025

A

1

XXXXXXXXXX

IL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1512

XXXXXXXXXX

XXXXXXXX

7138161

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

IL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_2159

XXXXXXXXXX

XXXXXXXXX

7138106

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2167

XXXXXXXXXX

XXXXXXXXX

7138207

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2161

XXXXXXXXXX

XXXXXXXXXX

7138206

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1549

XXXXXXXXXX

XXXXXXXXXX

7138202

1024

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Gift Receipt

There was a cash gift of XXXXXXXXXXXXX wired to closing and the XXXX required that the gift funds must be verified  as transferred from the donor''''s account to the borrower XXXXXXXX XX XXXXXXXXXXXX account or from the donor''''s account to the closing agent. XXXX wire in the file indicated that the gift came from the borrower''''s account and not the donor''''s. XXXXXXXX the transfer of the gift from the donor to the borrowers account ending XXXXX

Wire confirmation provided

04/29/2025

A

1

XXXXXXXXXX

VA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1575

XXXXXXXXXX

XXXXXXXXXX

7138087

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

Second valuation provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1575

XXXXXXXXXX

XXXXXXXXXX

7138088

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Provide corrected loan application to show the following property as the borrowers primary residence in the XXXXXXXXX of XXXXX XXXXX XXXXXXX XXXXXXX XXXXXXXXX incorrectly listed as an investment.

Revised XXXXX provided.

04/28/2025

A

1

XXXXXXXXXX

FL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1575

XXXXXXXXXX

XXXXXXXXXX

7138082

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1575

XXXXXXXXXX

XXXXXXXXXX

7138278

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Information provided

05/23/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

C

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1543

XXXXXXXXXX

XXXXXXX

7138182

319

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Seller Credit exceeds limit

Seller credits of XXXXXXXXXXXXX exceed actual closing costs of XXXXXXXXXXXXXX

Mitigating factors include: XXXX XXXXXX excess assets of XXXXXXX

Client 04/29/2025 12:02 PM; Please waive- not XXXX eligible.  XXXXXXXXXXX factors include: XXXX XXXXXX excess assets of XXXXXXXX    Reviewer 04/29/2025 01:01 PM;

04/29/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

C

B

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1531

XXXXXXXXXX

XXXXXXXX

7137774

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1583

XXXXXXXXXX

XXXXXXXXXX

7137864

432

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Evidence of downpayment missing/incomplete

Missing copy of XXXXXXXX XXXXXX XXXXXXXX XXXXXX for XXXXXXX and evidence XXXXXXXX XXXXXX XXXXXXXX of XXXXXXX has cleared borrowers XXXX account.

Confirmation provided

Client 04/24/2025 12:23 PM; Please see the uploaded documentation reflecting the XXXXXXX XXXX withdrawn on XXXXXX  Reviewer 04/24/2025 02:40 PM;

04/24/2025

A

1

XXXXXXXXXX

MO

2

1

D

C

D

C

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1583

XXXXXXXXXX

XXXXXXXXXX

7137866

339

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Data Input Error

Declarations XXXXXXXX of the XXXXX XXXXXXXXXXXX XXXXXXXXX inaccurately indicates the borrowers will occupy the subject property as their primary; loan closed as a second home transaction.

C

3

XXXXXXXXXX

MO

2

1

D

C

D

C

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1558

XXXXXXXXXX

XXXXXXXXXX

7137882

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Missing second collateral evaluation that is required when the XXX score is over XXXXXXX XXXXXXXX XXX score is XXXXX need desk review.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

MN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1563

XXXXXXXXXX

XXXXXXXXXX

7137919

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score was not determined.

Second valuation provided

05/27/2025

B

2

XXXXXXXXXX

MN

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1569

XXXXXXXXXX

XXXXXXXXXXXX

7138173

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1947

XXXXXXXXXX

XXXXXXX

7137916

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/12/2025

A

1

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1947

XXXXXXXXXX

XXXXXXX

7138140

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score was not determined.

AVM value is within a XXXX variance of the purchase XXXXX used to originate the loan. XXXX supports the purchase XXXXX which was used for origination not the appraisal value. XXXXX attributes: XXXX XXXXX XXXX XXXXX and XXXXX XXXX

Reviewer 05/12/2025 07:35 PM; The document XXXX received has a value which is not within XXXX of the original appraised XXXXXXXX  XXXXXXXX a XXXX valuation within XXXX of the original value of original value.  Reviewer 05/27/2025 04:12 PM; AVM supports the purchase XXXXX which was used for origination not the appraisal value. XXXXX attributes: XXXX XXXXX XXXX XXXXX and XXXXX XXXX    Reviewer 05/28/2025 12:50 PM;

05/22/2025

C

3

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1947

XXXXXXXXXX

XXXXXXX

7137868

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

04/23/2025

A

1

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1948

XXXXXXXXXX

XXXXXXX

7137872

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

04/23/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1948

XXXXXXXXXX

XXXXXXX

7138137

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1948

XXXXXXXXXX

XXXXXXX

7137923

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/12/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2276

XXXXXXXXXX

XXXXXXX

7137883

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

Occupancy XXXXX is missing from file

Information provided

04/30/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1957

XXXXXXXXXX

XXXXXXX

7137885

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Disaster XXXXX is missing from file.

Information provided

04/23/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1957

XXXXXXXXXX

XXXXXXX

7137915

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/12/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1946

XXXXXXXXXX

XXXXXXX

7137762

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

06/04/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1946

XXXXXXXXXX

XXXXXXX

7137763

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Disaster XXXXX is missing from file.

in file at time of audit

04/22/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1946

XXXXXXXXXX

XXXXXXX

7137764

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

Occupancy XXXXX is missing from file

Information provided

04/30/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1946

XXXXXXXXXX

XXXXXXX

7138235

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score was not determined.

Second valuation provided

05/27/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

A

A

C

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2198

XXXXXXXXXX

XXXXXXXXX

7138257

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score was not determined.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

TX

2

13

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2198

XXXXXXXXXX

XXXXXXXXX

7138435

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title commitment provided in the amount of XXXXXXXXXXXXXX is less than the loan amount of XXXXXXXXXXXXXXXX XXXXXXXX updated title commitment in amount equal to or greater than the loan amount.

Title XXXXXXX provided

04/30/2025

A

1

XXXXXXXXXX

TX

2

13

D

A

D

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2188

XXXXXXXXXX

XXXXXXXXXX

7138256

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score was not determined.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

UT

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2260

XXXXXXXXXX

XXXXXXXXXXXXX

7138252

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU XXXXXX XXXXXXX second valuation is required.

Received XXX

05/18/2025

A

1

XXXXXXXXXX

NH

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1956

XXXXXXXXXX

XXXXXXXXXXXXX

7137887

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

* XXXXXXXX secondary valuation as XXX score is > XXXXXXX

AVM XXXXXXXXXXX

Reviewer 04/23/2025 10:02 AM; Document received did not include the XXXX valuation

05/21/2025

A

1

XXXXXXXXXX

WV

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1585

XXXXXXXXXX

XXXXXXXXXX

7137619

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Please provide the XXXXX XXXXXXXXX XXXXXXXXXXXXXX along with color photos for review.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1585

XXXXXXXXXX

XXXXXXXXXX

7138247

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1597

XXXXXXXXXX

XXXXXXXXXXXX

7138240

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/27/2025

B

2

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1631

XXXXXXXXXX

XXXXXXXXXX

7138244

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

The lender listed on the appraisal report XXXXXXXXX XXX )does not match the originating lender, XXXXXXXXXXXXX XXXXXXX

Exception granted by XXXXXXXXXXXXX XXXXXX for to utilize the transferred appraisal. XXXX XXXXXX is XXXXXXX

04/27/2025

B

2

XXXXXXXXXX

FL

2

13

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1631

XXXXXXXXXX

XXXXXXXXXX

7137561

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

information provided

06/04/2025

B

2

XXXXXXXXXX

FL

2

13

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1632

XXXXXXXXXX

XXXXXXXXXXXXXX

7137579

107

XXXXXXXXXX

Compliance

Deed of Trust/Mortgage

Deed of Trust/Mortgage - is missing riders.

The XXXXXXX XXXXX XXXXXX is missing from file. XXXXXXX provide along with XXXX to re record.

Information provided

05/06/2025

A

1

XXXXXXXXXX

AZ

2

1

D

A

A

A

D

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_2224

XXXXXXXXXX

XXXXXXXXXXXXX

7137578

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Documentation provided

05/12/2025

A

1

XXXXXXXXXX

SC

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1645

XXXXXXXXXX

XXXXXXXXXX

7137575

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/12/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

C

A

D

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1645

XXXXXXXXXX

XXXXXXXXXX

7137576

107

XXXXXXXXXX

Compliance

Deed of Trust/Mortgage

Deed of Trust/Mortgage - is missing riders.

The XXXXXXX XXXXX XXXXXX is missing from file. XXXXXXX provide along with XXXX to re record.

Information provided

04/30/2025

A

1

XXXXXXXXXX

FL

2

1

D

A

C

A

D

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1646

XXXXXXXXXX

XXXXXXXXXX

7138243

384

XXXXXXXXXX

Credit

UW Income/Employment

UW Income/Employment - UW - Self-Employment status required

Verification of the co-borrower''''s self employment is missing from the loan file.

Schedule XX provided

04/29/2025

A

1

XXXXXXXXXX

AZ

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1621

XXXXXXXXXX

XXXXXXXXXX

7138249

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second valuation provided

04/28/2025

A

1

XXXXXXXXXX

CO

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2232

XXXXXXXXXX

XXXXXXXXXXXX

7138246

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

The title commitment reflects coverage of XXXXXXXXX which is less than the subject loan amount of XXXXXXXXXX

Loan XXXXXXX provided

04/30/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1964

XXXXXXXXXX

XXXXXXXX

7137380

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

C

C

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1818

XXXXXXXXXX

XXXXXXXXXXX

7138434

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

AZ

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1831

XXXXXXXXXX

XXXXXXXX

7137395

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

The XXXXXXXXXX XXXXX is missing from file.

Information provided

Reviewer 05/05/2025 11:29 AM; document uploaded does not reflect occupancy

05/06/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

C

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1843

XXXXXXXXXX

XXXXXXXXX

7138437

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

ID

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1902

XXXXXXXXXX

XXXXXXXXXXXX

7138394

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX XXXXXXX is XXXXXX

Received XXXXX XXXXXX

05/12/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1902

XXXXXXXXXX

XXXXXXXXXXXX

7137509

201

XXXXXXXXXX

Credit

Hazard Insurance

Hazard Insurance - is missing.

The XXXXX XXXXXXX XXXXXXXXXX XXXXXXX was not found in the file. XXXXXXXX evidence of XXXXXXX XXXXXXXXXXX

05/02/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2243

XXXXXXXXXX

XXXXXXXXXXXX

7138113

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

Subject property is in a declared disaster area. - XXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1593

XXXXXXXXXX

XXXXXXXXXXXXXX

7138595

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score was not determined.

AVM received.

05/21/2025

A

1

XXXXXXXXXX

OR

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1929

XXXXXXXXXX

XXXXXXXXXXXXX

7138445

72

XXXXXXXXXX

Compliance

Closing Package

Closing Package -

not eligible due to occupancy being primary residence

C

3

XXXXXXXXXX

AL

1

1

C

C

A

A

C

C

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1929

XXXXXXXXXX

XXXXXXXXXXXXX

7138592

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX was not determined.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

AL

1

1

C

C

A

A

C

C

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1597

XXXXXXXXXX

XXXXXXXXXXXX

7141931

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

PDI was ordered, vendor unable to gain access to the property due to being a gated community. XXXXXXXXXXXXX factors are the loan is a secondary home purchase, the loan is XXXXX since origination, XXXXX > XXXXX XXXXX XXXXXX

Reviewer 05/28/2025 04:17 PM; PDI was ordered, vendor unable to gain access to the property due to being a gated community. XXXXXXXXXXXXX factors are the loan is a secondary home purchase, the loan is XXXXX since origination, XXXXX > XXXXX XXXXX XXXXXX

05/28/2025

C

3

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1597

XXXXXXXXXX

XXXXXXXXXXXX

7142908

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

A

1

XXXXXXXXXX

FL

2

1

C

C

A

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1654

XXXXXXXXXX

XXXXXXXXXX

7138590

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

Provide an updated fraud report that includes a comparison of all participant names against industry watch and exclusionary lists. XXXX previously provided report was missing the following participants XXXXXXX XXXXXXX XXXXXXXXXXXXXX and XXXXXX XXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXX

Received participant inclusion of XXXXXXX XXXXXXX XXXXXXXXXXXXXX and XXXXXX XXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXX

05/06/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1687

XXXXXXXXXX

XXXXXXXXXX

7139076

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1959

XXXXXXXXXX

XXXXXXX

7138630

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

XXXXX XXXXXXX on XXXXXX XXXXXXX XXXXXXXXXXXXX  XXXXX XXXX XXXXXX XXXXXXXXX XXXXX XXXXXXX XXXXXXXXXXXXXXX

Received revised XXXXX

05/06/2025

A

1

XXXXXXXXXX

SC

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1704

XXXXXXXXXX

XXXXXXXXXXX

7138740

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

WA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1706

XXXXXXXXXX

XXXXXXXXXXX

7138738

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

WA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1707

XXXXXXXXXX

XXXXXXXXXXXX

7138773

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score is > XXXXXX

Received XXX

05/12/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1718

XXXXXXXXXX

XXXXXXXX

7138784

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1718

XXXXXXXXXX

XXXXXXXX

7138785

320

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Asset Other

AUS required depository asset statements covering a two-month period and only XX month provided for the XXXXXX XXXXXXXXX accounting with a balance of XXXXXXXXXXXXXXXX  XXXXXXX provide the second month.

Received XXXX statement ending XXXXXXX

05/14/2025

A

1

XXXXXXXXXX

NC

2

1

C

A

C

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1730

XXXXXXXXXX

XXXXXXXXX

7138806

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

Provide secondary valuation as XXX score is > XXXXXX

Received XXXXXX XXX

05/12/2025

A

1

XXXXXXXXXX

CO

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1964

XXXXXXXXXX

XXXXXXXX

7138808

955

XXXXXXXXXX

Valuation

Appraisal

Appraisal - Subject property is in a declared disaster area.

Information provided

05/19/2025

A

1

XXXXXXXXXX

FL

2

1

C

C

C

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1964

XXXXXXXXXX

XXXXXXXX

7141387

1109

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Third collateral evaluation is required.

Provide XXXX valuation. XXXX XXXXXX is over XXXX of the appraised value.

AVM value is within a XXXX variance of the purchase XXXXX used to originate the loan. XXXXX attributes include: XXXX of XXXXX XXXXX of XXXXX and XXXX of XXXXXX

Reviewer 05/27/2025 04:13 PM; AVM value is within a XXXX variance of the purchase XXXXX used to originate the loan. XXXXX attributes include: XXXX of XXXXX XXXXX of XXXXX and XXXX of XXXXX

05/22/2025

C

3

XXXXXXXXXX

FL

2

1

C

C

C

A

A

A

C

C

Safe Harbor QM (APOR)

1

BVINV 20253_1772

XXXXXXXXXX

XXXXXXXXXX

7138753

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide a secondary valuation as XXX score is > XXXXXXX XXXXXXX score is XXXXXX

Received XXXXXX XXX

05/12/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1797

XXXXXXXXXX

XXXXXXXXXX

7138789

1024

XXXXXXXXXX

Credit

UW Assets

UW Assets - UW - Gift Receipt

The borrowers received gift funds at closing in the amount XXXXXXXXXXX XXXXXXXXX of the funds in the gift donor''''s account was not documented in the loan file.

Received gift cashier''''s check

05/06/2025

A

1

XXXXXXXXXX

CA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1797

XXXXXXXXXX

XXXXXXXXXX

7138790

330

XXXXXXXXXX

Credit

UW Credit

UW Credit - UW - Credit Other

The loan file contained two XXXXXXXXX of XXXXXXX XXXXXXXXXXX XXXX from XXXXXXXXXXX XXXXX XXXXX and the other from XXXXXX XXXXXXXX XXXXXXXXXXXX XXXX XXXXXXXXX of XXXXXXX XXXXXXXXXX provided by XXXXXX XXXXXXXX XXXXXXXXXX lists an incorrect property address. XXXX XXXXXXXXX of XXXXXXXXX is shown as XXXX XXXX XXXX XXXXXX which is not the subject property. XXXXXXXXX the insurance premium was collected at closing and included in the XXXXX payment letter.

HOI XXXX provided

05/06/2025

A

1

XXXXXXXXXX

CA

2

1

C

A

C

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1791

XXXXXXXXXX

XXXXXXXXXXXXXXX

7138810

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

FL

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1827

XXXXXXXXXX

XXXXXXXXXX

7138776

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM XXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

OK

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1828

XXXXXXXXXX

XXXXXXXXXXXXX

7139065

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

AVM received.

05/22/2025

A

1

XXXXXXXXXX

MI

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1815

XXXXXXXXXX

XXXXXXXXXXX

7138448

998

XXXXXXXXXX

Credit

UW Other

UW Other - UW - Title Commitment is missing or requires correction.

Title needs to be updated to reflect the correct loan amount of XXXXXXXXXXXXXXX

received revised title

05/01/2025

A

1

XXXXXXXXXX

TX

2

1

D

A

D

A

A

A

A

A

Safe Harbor QM (APOR)

1

BVINV 20253_1816

XXXXXXXXXX

XXXXXXXXXX

7138443

272

XXXXXXXXXX

Valuation

UW Collateral

UW Collateral - UW - Appraisal Other

CU score is XXXXXXX second valuation is required.

AVM XXXXXXXXXXX

05/21/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1893

XXXXXXXXXX

XXXXXXXXXX

7138459

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXXX

Received XXX

05/18/2025

A

1

XXXXXXXXXX

AL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1908

XXXXXXXXXX

XXXXXX

7138522

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as a XXXX was utilized during the initial review for value.

AVM XXXXXXXXXXX

05/21/2025

B

2

XXXXXXXXXX

NC

2

1

C

B

A

A

A

A

C

B

Safe Harbor QM (APOR)

1

BVINV 20253_1966

XXXXXXXXXX

XXXXXXXXX

7138603

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/21/2025

A

1

XXXXXXXXXX

VT

2

1

C

A

A

A

A

A

C

A

Temporary QM Safe Harbor

1

BVINV 20253_1967

XXXXXXXXXX

XXXXXXXXXXXXXX

7138609

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The subject property was in a disaster area and the XXXXXXXXXX effective date was before the incident date. XXXXXXX provide XXXXXXXXXXXXXXXXXX

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Temporary QM Safe Harbor

1

BVINV 20253_1968

XXXXXXXXXX

XXXXXXXXXXX

7139429

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

PA

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1972

XXXXXXXXXX

XXXXXXXXXX

7138696

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

FL

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_1973

XXXXXXXXXX

XXXXXXXXXX

7139410

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

UT

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1971

XXXXXXXXXX

XXXXXXXXXX

7138640

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

Information provided

05/16/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_1975

XXXXXXXXXX

XXXXXXXXXXXXXX

7139384

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

AVM received.

05/21/2025

A

1

XXXXXXXXXX

TN

2

1

C

A

A

A

A

A

C

A

Safe Harbor QM (APOR)

1

BVINV 20253_2244

XXXXXXXXXX

XXXXXXXX

7139373

1108

XXXXXXXXXX

Valuation

UW Collateral TPR

UW Collateral TPR - UW - Second collateral evaluation is required.

Provide secondary valuation as XXX score is > XXXXXX

Second XXXXXXXXX provided

05/23/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1

BVINV 20253_2244

XXXXXXXXXX

XXXXXXXX

7138639

961

XXXXXXXXXX

Valuation

Appraisal

Appraisal - FEMA Disaster Re-certification Required

The disaster cert is missing from file.

information provided

05/23/2025

A

1

XXXXXXXXXX

TX

2

1

C

A

A

A

A

A

C

A

QM Safe Harbor

1