 |
| Exception
Detail |
| Run
Date - 06/11/2025 9:33:30 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 |
| 1615876 |
XXXXXXXXXX |
XXXXXXXXXX |
7092882 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
XXXXX approval. |
received |
|
Reviewer
03/11/2024 12:15 PM;
|
03/11/2024 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1616214 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7093528 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Satisfactory
evidence of at least X months of rent loss insurance |
Loss
of XXX $XX,XXX.XX |
|
Client
03/18/2024 04:19 PM; . XXX X months of XXXX at $XXXX.XX X X is $XX,XXX.XX XX so we are within the coverage at $XX,XXX.
Reviewer 03/18/2024 06:36 PM;
|
03/18/2024 |
|
|
A |
1 |
XXXXXXXXXX |
PA |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1623814 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7109015 |
1006 |
XXXXXXXXXX |
Credit |
UW
Approval |
|
UW
Approval - UW Approval - 1008 or 92900 LT missing |
|
XXXX
provided but missing final loan approval |
received
the XXXXXXXXX XXXXXXXX |
|
|
09/20/2024 |
|
|
A |
1 |
XXXXXXXXXX |
NY |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1623814 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7108883 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Satisfactory
evidence second lien payoff on XXX dated XXXXXXX with XXXXXXXX XXXXX XXXXX for XXXXXXXXXX was purchase monies. XXXXXX
to confirm as a lien, and initial purchase XXX to show as funds used to purchase subject on XXXXXXXX for XXXXXXXXXXXX (title only
shows XXXXX lien XXXXXXXXXXXXX or exception needed for cash out refinance without XXX months payment history, or seasoning requirement
of less than XX months for cash out refinance. |
Settlement
statement provided. |
|
|
10/11/2024 |
|
|
A |
1 |
XXXXXXXXXX |
NY |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1623814 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7108894 |
320 |
XXXXXXXXXX |
Credit |
UW
Assets |
|
UW
Assets - UW - Asset Other |
|
Satisfactory
evidence asset account for reserves with XXXXXX in the name of XXXXXXXXX XXXXXXXXX XXXX is owned XXXXX by borrowers |
received
operating statement for XXXXXXXXX XXXXXXXXX reflecting borrower XXXXX owner |
|
|
09/20/2024 |
|
|
A |
1 |
XXXXXXXXXX |
NY |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1627519 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7118239 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
loan approval is missing from the loan file. XXXX credit review is on hold until received. |
Documents
received |
|
|
11/06/2024 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1627519 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7118345 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Fraud
report with high and medium alerts cleared was not provided. |
received
fraud report with alerts cleared |
|
|
11/17/2024 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1627519 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7118347 |
351 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW - DTI exceeds maximum limit |
|
Maximum
XXXX for a XXXXXX XXXXX XXXXX XXXXXX is XXXXXX XXXXXXXX data of XXXXXXXXX XXXX is verified per the XXX income calculation.
XXXXXX debt XXXXXXXXXXXX / XXXXXX qualifying XXXXXXX XXXXXXXXXXXXXX |
|
Exception
received. XXXXXXXXXXXXX factors: XXXX XXXXXX XX months in reserves, XXXXXXXXXXXXX residual income |
Reviewer
11/22/2024 09:28 AM; The exception request form was received. XXXXXXXX the exception approval for XXXX over XXX
Client 12/03/2024 09:18 AM; The exception was approved by XXXXXXX please clarify what you need, as we do not understand why
the follow up comment is asking for exception approval. XXXXXX you.
Reviewer 12/03/2024 09:42 AM;
|
|
|
12/03/2024 |
B |
2 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633001 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130096 |
374 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Evidence of legal residency |
|
Provide
copy of both front and back of borrower''''s employment authorization card. |
received
front and back of borrower''''s employment authorization card. |
|
|
02/27/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633003 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130107 |
374 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Evidence of legal residency |
|
Provide
clarification as to borrower''''s legal residency. XXXXXXXXX provided XXX card reflecting valid for work only status, and final XXXXX
is marked as XXXX but a XXX XXXXXXXXX was also provided and XXXXXXXXXXX XXXXX application reflected XXX XXXXXXXXX |
received
revised XXXX |
|
|
02/24/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633003 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130108 |
350 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW - LTV/CLTV does not meet parameters |
|
Per
guidelines, properties acquired less than XX months from application date, the lesser of the current appraisal value or previous
purchase plus documented improvements must be utilized. XXXX purchase settlement statement and any invoices for materials/labor are
required. |
|
Allowing
use of new guidelines dated XXXXXXXX therefore, the appraised value was used. XXXXXXXXXXXXX factors: XXXXX > XXXXXXXX borrower''''s
credit score is XXX points > min XXXX with XX derogs in the last XXX months (or ever) and at least XX tradelines > XX years.
XXXXX closed after the XXXXXXXXXX guidelines update went into effect. |
Client
02/21/2025 01:14 PM; Per revised guidelines, XXXXXXXXX is based upon the current appraised value, no seasoning required.


Reviewer 02/21/2025 01:40 PM;
Reviewer 02/21/2025 01:40 PM; Approval in file is dated XXXXXXXXXX prior to new published guidelines. XXXXXXX provide exception
approval to use new guidelines.
Reviewer 02/24/2025 01:59 PM;
|
|
|
03/04/2025 |
B |
2 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633005 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130094 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
All
XXXXX owned by the borrower must be listed on the final XXXXXXX XXXXXXX report provided by the borrower reflected multiple
mortgages, but only XX properties (subject and primary residence) were listed on the XXXXXXX XXXXXXXX updated XXXXX with
all residences owned. |
Champions
does not require adding any additional properties to the XXXX only the subject (if a refi) and the XXXXXXXXXX primary home for XXXXX
loans. |
|
Client
03/10/2025 09:17 AM; Good morning XXXXXXXXX XX have confirmed with XXXXXXXX XXXXXXX that XXXXXXXXXX does not require adding any additional
properties to the XXXX only the subject (if a refi) and the XXXXXXXXXX primary home. XXXXXX you so much.
Reviewer 03/10/2025 09:36 AM;
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633085 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130235 |
272 |
XXXXXXXXXX |
Valuation |
UW
Collateral |
|
UW
Collateral - UW - Appraisal Other |
|
Missing
required desk review from an approved XXXXXXXXXX XXXXXXXX vendor which will support the appraisal report value of XXXXXXXXXXXXXXX |
FNMA
XXXXX XXX score was XXXXX which is acceptable for this loan. |
|
Reviewer
02/24/2025 12:43 PM; Received XXXXX XXXX with score of XXXXXXX XXXXXXXXXX to XXXXXXXXXX guidelines a XXXXX XXXXXXXXXX
is required on all XXXXXXX
Client 02/25/2025 11:05 AM; Per guidelines the XXXXX review can be waived if the loan is submitted and receives a XXXXX XXX
score of XXXXX or lower
Reviewer 02/25/2025 11:28 AM;
|
02/25/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
A |
A |
A |
A |
C |
A |
|
Exempt |
1 |
| 1633100 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130338 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Exception
required for a borrower living rent free with a parent. |
|
Compensating
XXXXXXXXX XXXXX XXXXXXXX XXX points over the minimum required score XXXXXXXXX XXXXX XX months additional reserves than
required with loan amount under XXXX million. |
|
|
|
02/23/2025 |
B |
2 |
XXXXXXXXXX |
FL |
3 |
1 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633103 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130339 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
final loan approval. |
received
loan approval |
|
|
02/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
RI |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633103 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130340 |
998 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Title Commitment is missing or requires correction. |
|
Title
commitment provided reflected an amount of XXXXXXXXXX which was less than the final loan amount of XXXXXXXXXXXXXXXX XXXXXXXX
updated title commitment in an amount equal to or greater than the subject loan amount. |
received
revised title |
|
|
02/27/2025 |
|
|
A |
1 |
XXXXXXXXXX |
RI |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633103 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130341 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Provide
XXXXXX report with all high and medium alerts cleared. |
received
XXXXXX XXXXXX |
|
|
02/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
RI |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633104 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130474 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Missing
XXXXXX XXXXXX documentation with all medium and high alerts addressed. |
received
fraud report |
|
|
02/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633104 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130475 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
final approval. |
received
final approval |
|
|
02/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633107 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130286 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Missing
XXXXXX XXXXXXX with all medium and high alerts cleared. |
received
fraud report with lender comments for alerts |
|
Client
02/24/2025 06:20 PM; Please find cleared XXXXXX XXXXXXXX XXXXXX you.
Reviewer 02/24/2025 07:15 PM;
|
02/24/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633107 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130287 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
verification for XXXX eligibility. |
received
XXXX verification |
|
Client
02/24/2025 06:25 PM; Please find uploaded the website approval. XXXXXX you.
Reviewer 02/24/2025 07:15 PM;
|
02/24/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633108 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130217 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Missing
credit exception approval for a loan amount to exceed the maximum XXXX of XXXX and go to XXXX with a XXXXX of XXXXX |
|
Approval
granted for a loan amount to exceed the maximum XXXX of XXXX and go to XXXX with a XXXXX of XXXXXX XXXXXXXXXXXXX factors are XXXX
XXXXXXXXX income of XXXXXXXX XXXX XXXXXXXXXXXXXX history with over XX years in the same business XXXX XXX credit lates in XXX months.
XXXXXXXXX the final loan amount of XXXXXXXXXX does not exceed XXXXXX XXXX exception was not needed and there are three months reserves
post-closing which meets guidelines |
|
|
|
02/20/2025 |
B |
2 |
XXXXXXXXXX |
CA |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633108 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130218 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
completed business XXXX statement analysis verifying monthly income of XXXXXXXXXXXXXX |
XXXX
statement work sheet provided. |
|
Client
03/09/2025 09:39 PM; Please find income calc worksheet uploaded for your review. XXXXXX you.
Reviewer 03/10/2025 08:31 AM;
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633110 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130288 |
327 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Satisfactory 12 mth Rental |
|
VOR
is required. XXXX XXXXXX addendum provided, borrower was the original tenant at prior residence and is not living rent free. |
Rent
XXXXX XXXX provided. |
|
Client
03/14/2025 04:02 PM; Please find attached XXXXXXXXX free loe uploaded for your review. XXXXXX you.
Reviewer 03/14/2025 04:20 PM;
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
MI |
1 |
1 |
D |
A |
D |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633110 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130293 |
447 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - 2yr Employment history not verified |
|
Guidelines
require borrower to be self-employed for a minimum of XX years. |
Guideline
states proof the business has been in operation for XXX months or greater. XXXX XXXXXXX dated XXXXXXXXX states the firm
prepared the XXXXX XX |
|
Client
03/14/2025 04:04 PM; Please find attached XXXXXXXXXXX for your review. XXXXXX you.
Reviewer 03/14/2025 04:20 PM;
Client 03/14/2025 04:36 PM; Please see attached guideline that does not specify a XXXX history of self-employment is required.
XXXXXX you.
Reviewer 03/17/2025 08:41 AM;
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
MI |
1 |
1 |
D |
A |
D |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633112 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130262 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX phone number listed on pg XX and the XXX XXXXXXX XXXXXX address, email and phone number listed
on page XXX |
Information
provided |
|
|
|
03/05/2025 |
|
B |
2 |
XXXXXXXXXX |
CA |
1 |
1 |
D |
B |
D |
A |
B |
B |
A |
A |
|
Exempt |
1 |
| 1633112 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130397 |
998 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Title Commitment is missing or requires correction. |
|
Preliminary
title report provided but no XXXXXXXXXXX with a coverage amount was provided as required per guidelines. |
received
title with correct loan amount coverage |
|
|
03/07/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
D |
B |
D |
A |
B |
B |
A |
A |
|
Exempt |
1 |
| 1633113 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130275 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
XXXX statement analysis worksheet. |
Income
work sheet provided. |
|
Client
03/04/2025 05:12 PM; Please find income calc work sheet uploaded. XXXXXX you.
Reviewer 03/04/2025 06:46 PM;
|
03/04/2025 |
|
|
A |
1 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633114 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130268 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Guideline
require XXX months housing history verified from management company with XXXXXX XXXXXXXXX previously lived rent-free with family
and currently rented past XX months. |
|
Compensating
XXXXXXXXX XXXXXXXXX income over XXXXXXXXXXXXX XXXXX XXXXXXXX XXX points over minimum matrix tier XXXXXXXXX |
|
|
|
02/21/2025 |
B |
2 |
XXXXXXXXXX |
MD |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633142 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130332 |
184 |
XXXXXXXXXX |
Credit |
Flood
Certificate |
|
Flood
Certificate - Property address incorrect or missing |
|
Please
provide updated XXXXXX XXXXXXXXXXXX with correct property address, XXXXXX XXXXXX XXXXXXXX |
Information
provided |
|
|
02/27/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
1 |
D |
B |
D |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633142 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130449 |
1006 |
XXXXXXXXXX |
Credit |
UW
Approval |
|
UW
Approval - UW Approval - 1008 or 92900 LT missing |
|
The
XXXXX was not provided. |
received
XXXX |
|
|
02/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
1 |
D |
B |
D |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633142 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130450 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Exception
required for borrower living rent free in father''''s property (being purchased per subject transaction). |
|
Compensating
XXXXXXXXX XXXXXXXXXXXXXXXX is XXXX or more under max allowable XXXXXXXXX XXXXXXXXX income over XXXXXXXX XXXXXXXX ). |
|
|
|
02/24/2025 |
B |
2 |
XXXXXXXXXX |
NJ |
1 |
1 |
D |
B |
D |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633143 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130529 |
184 |
XXXXXXXXXX |
Credit |
Flood
Certificate |
|
Flood
Certificate - Property address incorrect or missing |
|
Please
provide updated XXXXXX XXXXXXXXXXXX that reflects the correct property address per legal description. XXXXXX XXXXXXX XXXX |
Documentation
provided |
|
Client
02/28/2025 01:28 PM; The flood cert does have the correct address for the property XXXXXXXXX XXXXXXXX XXXX XXXXXXX XXXXXXXXXX XXXXXX
XXX XXXXX
Reviewer 02/28/2025 01:48 PM; Hello
XXXX property address on this loan is XXXX XXXXXXX XXXXX XXXXXX cert in file is for XXXX XXXXXXX XXXXX XXXXX
flood cert for correct property address of XXXX XXXXXXX XXXXXX

XXXXXX
Reviewer 02/28/2025 03:10 PM;
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
13 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633143 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130554 |
898 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID- Fee Tolerance Violation |
|
Zero
tolerance violation of XXXXXXXXXXX due to increase in discount points. XXXX in file is not valid, appraisal was completed
XXXXX - it was known at that time the property was a XX unit. XXXXXXX provide evidence of refund along with XXXX to borrower
and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation. |
Documentation
provided |
|
Client
03/25/2025 05:20 PM; Please see attached XXXXX XXXXXXXXXXXXXX to verify pricing change. XXXXXXXX did increase on XXXXXX by XXXXXXXXX
XXXX XXXXXXXXX fees changed due to the pricing changes.
Reviewer 03/26/2025 04:05 AM;
Reviewer 03/26/2025 12:11 PM; No documentation provided
Reviewer 03/26/2025 01:07 PM; Hello
XXXX lock uploaded will not clear this. XXX was known at application the property was XXXX unit, there is not a valid
coc provided for the increase in points.

XXXXXX
|
03/31/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
13 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633197 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130670 |
350 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW - LTV/CLTV does not meet parameters |
|
Max
XXXX XXXX when XXXXX < XXXXX XXXXXXXXX XXXXX XXXXXXX and XXXXX XXXXXXXXXXX for a XXXXX of XXXXXXXXXX XXXXX closed with
XXXX at XXXXXX |
Received
XXXXXX XXXXXXXXXXXX XXXXXXXXXXXX total rental income = XXXXXXXX = XXXXX = XXXXXX |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633253 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130616 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
business XXXX statement worksheet which confirms monthly income of XXXXXXXXXXXX |
XXXX
statement work sheet provided. |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CO |
1 |
3 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633332 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130776 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
A
signed final XXXXX was not provided. |
Loan
is a XXXXXXXXX XXXXXXXX loan. XXXXXXXXXXX loan application was provided. |
|
Client
03/10/2025 10:15 AM; Loan is XXX and commercial application should be sufficient to clear
Reviewer 03/10/2025 10:37 AM;
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633334 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130743 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Missing
fraud report with all high and medium alerts cleared. |
CoreLogic
report provided. |
|
|
03/04/2025 |
|
|
A |
1 |
XXXXXXXXXX |
MD |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633335 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130761 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Evidence
of the XXXXXXXXX business license was not provided. |
Received
XXXX document |
|
Reviewer
03/05/2025 01:50 PM; Documents provided did not include the XXXXXXXXX license
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
GA |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633395 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130782 |
320 |
XXXXXXXXXX |
Credit |
UW
Assets |
|
UW
Assets - UW - Asset Other |
|
Missing
final settlement statement for subject property. XXXXXXXXXXX statement provided does not list a property address. |
received
XXX with property address |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633395 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130783 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
Provide
updated final XXXXX reflecting the correct XXXXXXXXXXXX of both borrowers. |
received
XXXX XXXXXXXXXX resident cards |
|
|
04/03/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633395 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130785 |
998 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Title Commitment is missing or requires correction. |
|
Quit
claim deed provided changing ownership from one XXXX to the other XXXX was not completed correctly. XXXX deed did not
include the date of the transaction, only a month and year and was not signed until the following month. |
received
executed and notarized XXXXX XXXXXX XXXX |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633397 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130807 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
XXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXXX which will confirm monthly income of XXXXXXXXXXXX |
XXXX
statement income work sheet provided. |
|
Client
03/05/2025 01:22 PM; Please find the income calc work sheet uploaded. XXXXXX you.
Reviewer 03/05/2025 01:43 PM; Condition has been reviewed. XXX
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633397 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132668 |
884 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending Internal completion of compliance fee tests. Additional conditions may apply. |
|
|
Information
provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633397 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132669 |
894 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID LE- Other |
|
Please
provide proof the borrower received the XXXXX XXX at least XX days prior to consummation XXXXXXXXX |
Information
provided |
|
Client
03/05/2025 01:26 PM; Per our system audit, the XXXXXX XXX status changed from unknown to disclosed to the borrower. XXXXXXX see the
time stamp of XXXXXXXXXXX XXXXXXXX XXX XXX
Reviewer 03/05/2025 03:30 PM; Hello
XXXX documentation uploaded is not evidence the borrower received the XXXXX XXXXXXX provide disclosure tracking showing
XXX was received at least XX days prior to consummation. 

XXXXXX
Reviewer 03/05/2025 03:31 PM; document uploaded is not evidence borrower received the XXX - please provide disclosure tracking
as evidence borrower received the XXX XX days prior to consummation.
Reviewer 03/05/2025 03:53 PM;
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633400 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130859 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
business XXXX statement analysis worksheet confirming total monthly income of XXXXXXXXXXXX |
Received
XXXX statement worksheet |
|
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
A |
C |
A |
B |
A |
A |
A |
|
Exempt |
1 |
| 1633400 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130618 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX email listed on pg XXX |
Information
provided |
|
|
03/03/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
A |
C |
A |
B |
A |
A |
A |
|
Exempt |
1 |
| 1633401 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130633 |
884 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending Internal completion of compliance fee tests. Additional conditions may apply. |
|
|
Information
provided |
|
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
B |
C |
A |
C |
B |
A |
A |
|
Exempt |
1 |
| 1633401 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130634 |
898 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID- Fee Tolerance Violation |
|
Loan
is failing XXXX tolerance for the increase in the XXXXXXXXXX fee in XXXX XX of final XXXXX XXXXXXXXXX amount is XXXXXXX XXXXX
a XXXXX with cure, lox to borrower, and proof of refund, all within XXX days of consummation. |
|
|
|
|
03/06/2025 |
|
B |
2 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
B |
C |
A |
C |
B |
A |
A |
|
Exempt |
1 |
| 1633401 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130635 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX phone number, and the XXXXXX address, email, and phone number, listed on pg XXX |
Information
provided |
|
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
B |
C |
A |
C |
B |
A |
A |
|
Exempt |
1 |
| 1633401 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130892 |
434 |
XXXXXXXXXX |
Credit |
UW
Assets |
|
UW
Assets - UW - Shorts Funds for Reserves |
|
Guidelines
require XX months reserves. XXXXXXXXX provided XXXXXX months. |
PCCD
provided reflects cash to borrower. XXXXXXXXX has XXXXXX months reserves. |
|
Reviewer
03/07/2025 10:46 AM; Documents received did not include additional assets to meet the XX months reserves or exception approval for
less than XX months reserves.
Client 03/10/2025 09:43 AM; Please see the revised XXXXX XXXXXXXXX has sufficient funds for XXXX and reserves.
Reviewer 03/10/2025 11:48 AM;
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
B |
C |
A |
C |
B |
A |
A |
|
Exempt |
1 |
| 1633404 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130850 |
1108 |
XXXXXXXXXX |
Valuation |
UW
Collateral TPR |
|
UW
Collateral TPR - UW - Second collateral evaluation is required. |
|
A
XXXXX XXXXXXX is required on all loans. XXXXXXXX XXXXX |
CU
score allowed. |
|
Client
03/11/2025 09:11 AM; Loan closed using updated guidelines XXXXXXXXX XXXX report was provided.
Reviewer 03/11/2025 11:57 AM; condition cleared
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CT |
1 |
1 |
D |
A |
D |
A |
A |
A |
C |
A |
|
Exempt |
1 |
| 1633404 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130851 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
Provide
updated final signed XXXXX with XXXXXXXXXXXX updated. XXXXXXXXX is a non-permanent resident alien, not a XXX XXXXXXXXX |
Revised
XXXXX provided. |
|
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CT |
1 |
1 |
D |
A |
D |
A |
A |
A |
C |
A |
|
Exempt |
1 |
| 1633405 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7131976 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
XXXX statement analysis which confirms coborrower monthly income of XXXXXXXXXXXX |
received
income analysis |
|
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633405 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7131977 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Missing
exception approval for the use of a XXX expense ratio on the average deposits of personal XXXX statements. |
|
Guideline
exception approval granted for a XXX factor for personal XXXX statements. XXXXXXXXXXXXX factors are XXXX XXXXX XXX points
over minimum required score XXXX XXXXX XX months reserves. |
|
|
|
03/03/2025 |
B |
2 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633405 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132341 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
confirmation that the coborrower is a XXX XXXXXXXX as stated in the final signed XXXXXXX XXXX identification documents
in the file are an XXXXX letter, XXXXXXXX XXXXXXXXX XXX XXXXXX and XXXXXXXX XXXXXXXXX which suggests that the coborrower is a XXXXXXXXXXXXXX
XXXXXXXXXXX XXX citizenship status is not correct a revised final signed XXXXX will be required. |
received
revised XXXX |
|
|
03/12/2025 |
|
|
A |
1 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633513 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132364 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
final dated loan approval |
document
provided and accepted |
|
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
3 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633513 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132365 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Missing
exception approval for reserves under XX months per guidelines and matrix for XXXXXX dated XXXXXXXXXXXX XXXXXXXXXXXX verified
assets in the file total XXXXXXXXXXXXX which is XXXXXX month''''s reserves. XXXX required reserves of XX months total
XXXXXXXXXXXXXXX XXXX loan is short XXXXXXXXXXXXX for the required reserves |
Document
provided showed additional XXXXXXXXXXX in verified funds. |
|
Reviewer
03/06/2025 03:27 PM; The required reserves for this loan program is XX months. XXXXXXXXX = XXXXXX months the actual monthly
payment is XXXXXXXXXXX not XXXXXXXXXXX due to error on monthly taxes. XXXXXXXX exception for less than XX months reserves.
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
3 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633515 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7131232 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
required complete fraud report |
received
the complete fraud report |
|
Reviewer
03/11/2025 10:37 AM; Received the fraud alerts summary. XXXX not receive the complete fraud report
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
13 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633515 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7131238 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
XXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX which deducts items such as XXXXXXXX XXXXXXXXXX XXX from accounts owned by the borrower, returned
checks, XXXX fees, and XXXXXXXXXX XXXXX to verify revised monthly income from XXXXXXXXXXXXXX to the net adjusted monthly income |
Transfers,
overdrafts, XXXX were included in XXXX statement worksheet. XXXXX were totaled on some of months due to large amounts. |
|
Reviewer
03/14/2025 01:54 PM; Document received did not include reduction of deposits for returned checks, XXXX fees, and XXXXXXXXXX XXXXXXX XXXXXXX
provide XXXXX
Client 03/17/2025 12:58 PM; transfers, overdrafts, XXXX was included in XXXX statement worksheet. XXXXX were totaled
on some of months due to large amounts.
Reviewer 03/17/2025 01:29 PM;
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
13 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633520 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133034 |
374 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Evidence of legal residency |
|
Provide
evidence of XXXXXX residency. XXXXXXXXX is a non-permanent resident alien and only a driver''''s license was provided. XXXXXXXXXXX
require XXXX letter dated less than XX years ago or fully executed XXXX including agent''''s signature, or XXXXXXX from tax preparer
confirming they have filed the borrower''''s most recent tax returns with the XXXXXX XXXX XXXX letter provided does not specifically
reflect the XXXX prepared the borrower''''s most recent tax returns. |
IRS
XXXXX letter states XXX renewed you XXXXXXXXX XXXXX |
|
Reviewer
03/11/2025 11:06 AM; Received letter from XXXXXX XXXX not receive evidence of borrower''''s legal residency as a non-permanent
resident.
Reviewer 03/16/2025 11:11 AM; Received the XXXX XXXXX number dated more than XX years ago for borrower.
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633520 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133000 |
846 |
XXXXXXXXXX |
Compliance |
Disclosure |
|
Disclosure
- Missing initial disclosure within 3 days of application |
|
Provide
evidence XXXXX XXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXX was disclosed to the borrower within XX days of application date of XXXXXXXXXXX |
Information
provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633520 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133002 |
846 |
XXXXXXXXXX |
Compliance |
Disclosure |
|
Disclosure
- Missing initial disclosure within 3 days of application |
|
Provide
XXXXX dated within XX days of application date of XXXXXXXXXXXX XXX XXXXX was located in the file. |
Information
provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633520 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133003 |
894 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID LE- Other |
|
Provide
XXXXXXXX XXX and any revised XXXXXXXXXX XXX XXXXXXXX were located in file. |
Information
provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633520 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133004 |
902 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons. Additional
conditions may apply. |
|
|
Information
provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
3 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633565 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132664 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
final signed XXXXXXXXXX application dated XXXXXXXXX |
Final
XXXXX provided. |
|
Client
03/06/2025 04:12 PM; Please find uploaded final dated XXXXXXX XXXXXX you.
Reviewer 03/06/2025 05:01 PM;
|
03/06/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633566 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132650 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
XXXXXXXXX XXXXX XXXXXXXXXX XXXXXXXXX which confirms monthly income of XXXXXXXXXXXXX |
received
the XXXX statement income analysis |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
13 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633568 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132499 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Provide
XXXX statement analysis worksheet used to verify income. |
Received
XXXX statement income analysis |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633569 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132538 |
351 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW - DTI exceeds maximum limit |
|
Max
XXXX XXXXXX XXXXXXXX data of XXXXXXXXX XXXX is verified per the XXX income calculation. XXXXXX debt XXXXXXXXXXXX / XXXXXX
qualifying XXXXXXX XXXXXXXXXXXXXX XXXXXXX based on XXX months of XXXX statements from account ending xXXXX. |
Received
banking statements and income calculation from XXXXX and XXXXXXXXX XXXXXXXX accounts with total income of XXXXXXXXXX |
|
|
03/07/2025 |
|
|
A |
1 |
XXXXXXXXXX |
UT |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633569 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132540 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Provide
XXXX statement analysis worksheet. |
received
XXXX statement worksheet for XX XXXX accounts. |
|
|
03/07/2025 |
|
|
A |
1 |
XXXXXXXXXX |
UT |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633569 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7130914 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX email, the XXXXXX address and phone nbr, and the XXXXXXXXXXX XXXXXXX phone nbr, listed on pg
XXX |
Documents
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
UT |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633569 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133197 |
897 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID CD- Other |
|
the
XXXXXXXXXXX XXXXXXXXXXXXX decreased from XXXXXXXX on the XXXXX XXX to XXXXXXX on XXXXX XXXXXX XXXXXXX provide
evidence XXXXXXX was refunded to the borrower since the fee decreased |
|
|
Client
03/13/2025 05:23 PM; I uploaded the XXXXXX XXX to show the originator compensation amount. XX uploaded a corrected XXXXX and XXXXXX
XXXX XXXXX XXXXX did not populate correctly, but XXXXXXXXXXXXX is the correct amount for the originator compensation
Reviewer 03/13/2025 06:37 PM;
Reviewer 03/14/2025 12:14 PM;
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
UT |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633573 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132567 |
1108 |
XXXXXXXXXX |
Valuation |
UW
Collateral TPR |
|
UW
Collateral TPR - UW - Second collateral evaluation is required. |
|
CU
XXXXXX > XXXXXXX XXXXXXX collateral evaluation is required. |
received
XXX |
|
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NV |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1633573 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132375 |
15 |
XXXXXXXXXX |
Credit |
Appraisal |
|
Appraisal
- Appraisal is Subject to Repairs – a certification as to the completion of repairs is required |
|
Please
provide a completion certificate for review of completed repairs. |
Information
provided |
|
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NV |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1633573 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132376 |
868 |
XXXXXXXXXX |
Credit |
Hazard
Insurance |
|
Hazard
Insurance - Other: |
|
Hazard
XXXXXXXXXX is expiring XXXXXXXXXXX XXXXXXX provide updated policy for review. |
Information
provided |
|
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NV |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1633574 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132387 |
9 |
XXXXXXXXXX |
Credit |
Application |
|
Application
- is missing |
|
Please
provide application for review. XXXXXXXX application is needed for proof of initial application date. |
Information
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633574 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132794 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
loan file is missing the XXXXXXXX loan application, XXXXXX loan application, XXXXXXXX XXXX documents, XXXXXXXX settlement statement
from purchase XXXXXXXXXXXX XXXX credit review is on hold until documents are received. |
Documents
received |
|
|
03/09/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633574 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133138 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
A
signed final loan application was not provided. |
Received
signed XXXXXXXXXXX loan application |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
3 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633575 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132871 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
loan file is missing the following critical items which are still outstanding XXXXXXXX loan application (commercial loan application
in file is blank), XXXXXX loan application, XXXXXXXXX XX worksheet for income producing properties used for income and XXXXX XXXX
reflected as XXXXXXXXXXXXXX vs XXXXX in file XXXXXXXXXXXXXXX - provide explanation as to which is correct. XXXX credit review is
on hold until all documents are received. |
Documents
received |
|
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
1 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633575 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132564 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
loan file is missing the following critical items XXXXXXXX loan application (commercial loan application in file is blank), XXXXXX
loan application, XXXXXXXXX XX worksheet for income producing properties used for income and XXXXX XXXX reflected as XXXXXXXXXXXXXX
vs XXXXX in file XXXXXXXXXXXXXXX - provide explanation as to which is correct. XXXX credit review is on hold until all documents
are received. |
Blank
application provided. re-adding condition to change loan status |
|
Client
03/05/2025 03:24 PM; This is a XXXXXXXXX XXXXXXXX loan so a commercial loan application would apply.
Reviewer 03/05/2025 04:55 PM;
|
03/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
1 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633935 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132934 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Max
XXXX XXXX XXXX with XXXXX of XXXXXX XXXXXXXXXX XXXXXXXXX for XXXX XXXX when minimum XXXXX requirement is XXXXX |
|
Compensating
factors: XXXXX > XXXXXX with minimum requirement of XXXXX and over XX months reserve above minimum requirement of XX months. |
|
|
|
03/06/2025 |
B |
2 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633935 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132940 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Final
loan approval missing from file. |
received
final approval |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633935 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132941 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Verification
solar lien has been paid in full and lien released. XXX does not reflect the payoff of the solar lien with XXXXXXXXXX XXXXXX XXXX
may not be released and rerecorded. XXXXXXXXXXX require XXXX filings to be subordinated and included in XXXXXXX XXX lien has not
been paid in full, all solar lien docs, subordination agreement, update approval including payment in XXXX and updated exception
for XXXXX must be provided. |
Per
title, included in XX loan. XXXXXX are not XX liens. |
|
Reviewer
03/06/2025 11:43 AM; If solar has not been paid, loan to be returned to XXX for review.
Reviewer 04/02/2025 02:25 PM; Documents received did not reflect payment of the solar lien.
Reviewer 04/07/2025 11:23 AM; Documents received - returned file to XXX for review per follow up.
|
04/07/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633935 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132942 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Verification
of item XXXX on title XXXXXXXXX XXXXXX XXXXXXXXXXX return dated XXXXXXXXXX missing from file. XXXXXXXXXXXXX of item returned, proof
of payment and release must be provided. ***loan to be returned to XXX for review*** |
Received
XXXXXX XXXXXXX dated XXXXXXXX XXXXX XXXX of XXXXXXXXX XXX XXXXX XX was removed |
|
|
04/02/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633937 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133142 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
final closing disclosure is missing from the loan file. XXXX credit review is on hold until documents are received. |
Final
settlement statement received. |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
1 |
A |
A |
A |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633947 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133001 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
final dated loan approval |
The
XXXXX and XXXXX reflect X |
|
Reviewer
03/10/2025 09:20 PM; The loan approval received reflects doc type as "other XXXXX statement''''s" and the lock form reflects
doc type as XX
Reviewer 03/13/2025 10:40 AM; The approval received reflects doc type as XXXXXX XXXXXXX XXXXX file does not contain
documents for "full XXXX
Client 03/20/2025 12:54 PM; Per XXX management, we currently are having an XXX issue getting it changed to X
Reviewer 03/20/2025 01:51 PM;
|
03/20/2025 |
|
|
A |
1 |
XXXXXXXXXX |
AZ |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633948 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133131 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
XXXXXX XXXXXXXXXX calculation worksheet is missing from the loan file. XXXX credit review is on hold until documents are received. |
Documents
received |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
1 |
A |
A |
A |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633954 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132914 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
fraud report |
received
fraud report with alerts cleared |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
VA |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633954 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132916 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Missing
exception approval for a borrower living rent free with someone other than a spouse |
|
Exception
approval granted for a borrower living rent free with someone other than a spouse. XXXXXXXXXXXXX factors are XXXX XXXXXXXXXXXXXX
for over XX years XXXX XXXXXXXXX income over XXXXXXXX XXXX XXXX is XXXX under that maximum allowed and XXXX XXXXXXXXX of XX months
are more than the required XX months. |
|
|
|
03/06/2025 |
B |
2 |
XXXXXXXXXX |
VA |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633960 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132982 |
1108 |
XXXXXXXXXX |
Valuation |
UW
Collateral TPR |
|
UW
Collateral TPR - UW - Second collateral evaluation is required. |
|
Missing
XXXX collateral evaluation |
received
XXX |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NC |
3 |
13 |
C |
A |
A |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1633961 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132716 |
884 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending Internal completion of compliance fee tests. Additional conditions may apply. |
|
|
Testing
completed |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
1 |
C |
A |
A |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633961 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132591 |
971 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Missing CD Signed by borrower |
|
Missing
final signed XX |
Documentation
provided |
|
Reviewer
03/05/2025 02:26 PM; Please provide the final closing disclosure XXXXX signed at consummation.
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
1 |
C |
A |
A |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633961 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133132 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
the final closing disclosure and the income worksheet for the analysis of the XXX months personal XXXX statements are missing from
the loan file. XXXX credit review is on hold until documents are received. |
Docs
received |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
1 |
1 |
C |
A |
A |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1633962 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132963 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
final XXX is missing from the loan file. XXXX credit review is on hold until documents received. |
Docs
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
A |
A |
A |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634043 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132989 |
884 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending Internal completion of compliance fee tests. Additional conditions may apply. |
|
|
Testing
complete |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634043 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132990 |
898 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID- Fee Tolerance Violation |
|
Loan
is failing XXX tolerance for the increase in XXXXXXX on the final XXX without explanation. XXXXXXXXXX amount is XXXXXXXXXXX XXXXX
a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. |
Information
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634043 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132991 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX phone number listed and the XXXXXX address and phone number listed on pg XXX |
Information
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634043 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133113 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Missing
business XXXX statement analysis confirming monthly income of XXXXXXXXXXXX |
XXXX
statement income work sheet provided. |
|
Client
03/12/2025 01:44 PM; Please find income calc worksheet uploaded for you your review. XXXXXX you.
Reviewer 03/12/2025 01:57 PM;
Reviewer 03/12/2025 02:34 PM;
|
03/12/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634047 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133094 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Missing
complete required fraud report |
received
fraud report and alerts summary cleared |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634048 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133102 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
A
XXXX statement worksheet was not provided. |
received
banksheet worksheet |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
WA |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634049 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133129 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
final, signed XXX is missing from the loan file. XXXX credit review is on hold until documents are received. |
Docs
provided |
|
|
03/10/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
A |
A |
A |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634059 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132938 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX and XXXXXX phone numbers listed on pg XXX |
Information
provided |
|
|
03/13/2025 |
|
|
A |
1 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
A |
C |
A |
B |
A |
A |
A |
|
Exempt |
1 |
| 1634060 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133018 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX phone nbr listed on pg XXX |
Information
provided |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
IN |
1 |
1 |
C |
B |
C |
B |
B |
A |
A |
A |
|
Exempt |
1 |
| 1634060 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133200 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Guidelines
do not all for an XXXXXXX XXXXXXXXXXX XXXX the XXXXXX provided, not all required repairs/updates were completed but the XXXXXXX requested
the XXXXXXXXXX XXXX the XXXXXX as XXXXXXXXXX and an escrow holdback would be completed for the incomplete items. |
|
Exception
to close on a new construction per plans and specs. XXXXX and exterior painting not completed due to weather. XXXX is available.
XXXXXXXXXXXXX XXXXXXXXX XXXXXXX XXXX max XXXXX XXXX XXXXXXXX max XXXXX XXXXX XXXX min XXXXX XX months reserves required XX months. |
Client
03/14/2025 09:20 AM; Please find approved exception with compensating factors listed. XXXXXX you.
Reviewer 03/14/2025 09:44 AM;
|
|
|
03/14/2025 |
B |
2 |
XXXXXXXXXX |
IN |
1 |
1 |
C |
B |
C |
B |
B |
A |
A |
A |
|
Exempt |
1 |
| 1634068 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7132999 |
965 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- CD- Contact Information Missing or Incorrect |
|
Need
a XXXXX with the XXX XXXXXXX XXXXXX address and phone, and the XXXXXX phone number listed on pg XXX |
Information
provided |
|
|
03/13/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
B |
A |
A |
A |
B |
A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133084 |
957 |
XXXXXXXXXX |
Credit |
Closing
Package |
|
Closing
Package - First Payment Letter Missing or Incorrect |
|
The
XXXXXX XXXXXXXX XXXXXXX reflected the XXXXXXXXX XXXXXXXXXXX XXXXXXXXX XXXX and XXXXXX XXXXXXXXXX would be escrowed; however, the
XXXX dated XXXXXXXXXXX reflected only the XXXXXX XXXXXXXXXX was escrowed. XXXXXXX correct escrowed items and either provide
an updated XXXXXX XXXXXXXX XXXXXXX or post-closing XXXXX |
Information
provided |
|
Reviewer
03/26/2025 12:15 PM; No documentation provided
Client 03/27/2025 09:13 AM; Please disregard previous upload
Reviewer 03/27/2025 10:33 AM;
Reviewer 03/27/2025 11:30 AM;
|
03/27/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633514 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133716 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Exception
required for a borrower living rent free with someone other a spouse. XXXXXXXXX is living with a cousin. |
|
Compensating
XXXXXXXXX XXXX XXXXXXXXXXXXX is at least XXXX points < XXXX XXX %; XXXXXXXXX of at least XX months and only XX months required. |
|
|
|
03/14/2025 |
B |
2 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633521 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133715 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Provide
XXXX statement analysis worksheet. |
Two
XXXX statement income work sheets provided. |
|
Client
03/17/2025 10:23 AM; Please find uploaded two separate income calc worksheets. XXXXXX you.
Reviewer 03/17/2025 11:13 AM; Condition has been reviewed. XXX
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633570 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133723 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Guidelines
allow borrower to live rent free with a spouse. XXXXXXXXX was living rent free with parents and most recently with borrower''''s
wife''''s grandmother where rent was charged but no evidence of rent was paid with either XXXX statements or cancelled checks. |
|
Exception
approved for borrower living with relatives for the past XX months paying cash vs program requirement most recent XXXXXXXXX verification.
XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX income over XXXXXXXXXXXX XXXXX XXX points over minimum tier. |
|
|
|
03/18/2025 |
B |
2 |
XXXXXXXXXX |
FL |
1 |
1 |
C |
B |
C |
B |
A |
A |
A |
A |
|
Exempt |
1 |
| 1633575 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133952 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
Missing
full initial loan application. XXXXXXXXX XX and XX were not completed. |
Initial
XXXXXXXXXXX application dated XXXXXXXXX provided. XXXXXX XXXXX completed. |
|
Client
03/19/2025 11:22 AM; Doc provided is does have section XX
Reviewer 03/19/2025 12:04 PM;
|
03/19/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
1 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1633575 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133953 |
378 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Initial/Final 1003 incomplete/missing |
|
A
signed final loan application was not provided. |
E
XXXXXXX XXXXX provided |
|
Client
03/19/2025 11:24 AM; We do not have a signed XXXXXX XXXXX dated XXXXXXXXXX
Reviewer 03/19/2025 12:05 PM;
|
03/19/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
1 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634043 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133213 |
896 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID CD-Timing |
|
Please
provide evidence the XXXXX XXX was received by the borrower at or before closing |
Documents
received |
|
|
03/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634059 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133209 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
Provide
XXXX statement analysis worksheet. |
XXXX
statement income work sheet provided. |
|
Client
03/12/2025 07:30 PM; Please find income calc worksheet uploaded for your review. XXXXXX you.
Reviewer 03/13/2025 05:43 AM;
|
03/13/2025 |
|
|
A |
1 |
XXXXXXXXXX |
TX |
1 |
1 |
C |
A |
C |
A |
B |
A |
A |
A |
|
Exempt |
1 |
| 1634146 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133384 |
437 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Missing/Incomplete Verbal VOE |
|
VVOE
XXX missing from this file |
Received
XXXX from XXX |
|
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NC |
1 |
13 |
D |
A |
D |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133317 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
All
XXXX statements and income worksheet utilized to calculate income are missing from the loan file. XXXX credit review is on hold until
documents are received. |
Information
received. |
|
|
03/12/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133455 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
Provide
XXX consecutive months of XXXX statements and income calculation. XXXXX one month received in new upload. XXXXXXX review is on hold
until documents are received. |
Only
reserve analysis received. |
|
|
03/17/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134364 |
1055 |
XXXXXXXXXX |
Credit |
Missing
Images |
|
Missing
Images - Loan Review is not Final. On Hold for Missing Critical Documentation |
|
The
loan is approved as a XXX month XXXX statement loan. XXXXX one month of statements have been provided. XXXXXXXX the other XXX months
XXXX statements used to qualify the borrower. XXXXXXX review is on hold until documents are received. XXXXXXXX analysis provided
does not clear condition. |
Remaining
XXXX statements provided |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134551 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
*
XXXX required on all mortgages not disclosed on credit report per guidelines. XXXXXXX provide individually, the following mortgage
XXXXXXXXXXXXXXX for each of the following properties on the XXXXXX XXXXXXX XXXXXXXXXX of XXXXXXX XXXXXXXXXXXX XXXXX XXXXXX
XXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXXXXX XXXXXX XXXXXXXXXXXXXX XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX
XXXXXXXXXXX XXXXXXXXXXXX XXXXXX XXXXXXXXXXXXX XXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXXXXX
XXXX XXXXXX XXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXX |
XXXXX
XXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXX payment due XXXXXXXX XXXXX XXXXXX XXXXX escrowed next payment due XXXXXXXXXX XXXXXX XXXXXXXXXXXXX
XXXXXXXXXX opened with XXXXXXXXX loan # XXXXXXXXXXXXX XXXX XXXXXX XXXXXX XXXXXXX opened with XXXXXXXXX loan # XXXXXXXXXXX |
|
Client
03/25/2025 05:43 PM; Please see underwriters detailed comments on what
Reviewer 03/26/2025 10:04 AM;
|
03/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134552 |
758 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit - PITIA for other REO incorrect/not included in debt ratio |
|
*VOM
reflects a XXXXXXXXX of XXXXXXXXXXXXXX inclusive of XX properties. XXXXX XX of the following properties have been disclosed on the
XXXXX XXXXX XXXXXXXXXXXXX XXXXXX XXXX XXXXXXXX XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX from XXXXX XXXXXXXXXXX XXXXXX
XXXXXXX XXXXXXX XXXXX XXXXXXXXX XXXXXXXXX XXXXXXXX from XXXXX XXXXXXXXXXX XXXX remaining XX were not disclosed. XXXXXX
XXXXXXXXXXXXX XXXXX XXXXX XXXXXXXX XXXXX XXXXX to know why these XX investment properties were not disclosed
and why they were not included in the XXXXXX XXXXX also need a breakdown of the mortgages for each individual property. XXXXXXXXXXX
conditions may apply |
Property
located at XXXXX XXXXXXXX XXXXX is the subject and XXXXXX XXXXXXXXXXXXX XXXXX is paid by the business |
|
|
03/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134627 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Verification
of citizenship missing from file XXX XXXXX in file page XXX of bulk file reflects "valid for work only with XXXX XXXXXXXXXXXXXX |
Received
XXX passport |
|
|
03/28/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134548 |
1014 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income calculation worksheet self employed |
|
*XX
XXXXXX XXXXX XXXXXXXXXX XXXXXXX XXXXXXXXXX is missing from this file. |
Income
calculator work sheet provided. |
|
Client
03/25/2025 05:46 PM; Please find income calc ws for your review. XXXXXX you.
Reviewer 03/26/2025 04:30 AM;
|
03/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634151 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134549 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
*Extended
XXXXXX XXXXXXX XXXXXX on XXXXXXX XXXXXXXXX XXX documentation in file suggesting the XXXXXX had been cleared. |
Fraud
XXXXXXX provided |
|
Client
03/25/2025 05:50 PM; Please find XXXXXX XXXXXXX attached for your review. XXXXXX you.
Reviewer 03/26/2025 04:31 AM;
|
03/26/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634154 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133387 |
327 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Satisfactory 12 mth Rental |
|
Missing
verification of borrower''''s rental history for the last XXX months per guideline. |
VOR
from XXXXXXXXXXX XXXXXXXX provided. |
|
|
03/13/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634157 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133290 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Private
XXXXXX XXXXXXXXXXX member requires copy of lease and XXX months cancelled checks/XXXX statements. |
|
Compensating
factors: XXXXXXXXXXXX investor since XXXXXX XXXXX XXXX well above minimum requirement of XXXXX XXXXXXXXX has XX open mortgages paid
as agreed, XXX credit lates last XXX months. |
Reviewer
03/11/2025 10:26 AM; Exception XXXXXXXXX to accept XXXXXXXX XXXX in lieu of a copy of the lease and cancelled checks.
|
|
|
03/11/2025 |
B |
2 |
XXXXXXXXXX |
NJ |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634172 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133532 |
423 |
XXXXXXXXXX |
Credit |
UW
Collateral |
|
UW
Collateral - UW - Appraisal Correction/Clarification |
|
*Explanation
from appraiser needed. XXXXXX of record on title is XXXXXXXXXXX XXXXXXXX XXXX XXXXX XXXXXXXXXX XXXXXXXXXX for XXXXXXXXXXX but XXXXXXXXXX
reflects XXXXXX of record as XXXXXXXXX XXXXXXX XXXXXXX XXXXXXXXXXX XXXX which is the XXXXXXXXX the borrowers XXXXX XXXXXXXXX XXXXXXX |
Corrected
appraisal provided. |
|
Client
03/31/2025 06:00 PM; Please see attached corrected appraisal page XXXXX of XXX with comments from the XXXXXXXXXX correcting name.
XXXXXX you so much!
Reviewer 04/01/2025 07:27 AM;
|
04/01/2025 |
|
|
A |
1 |
XXXXXXXXXX |
NJ |
3 |
1 |
C |
A |
C |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634190 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133624 |
336 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Income Other |
|
A
XXXX statement analysis worksheet was not provided. |
received
XXXX statement income analysis |
|
|
03/16/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
1 |
1 |
C |
A |
C |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1634192 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133474 |
884 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- Pending Internal completion of compliance fee tests. Additional conditions may apply. |
|
|
Information
provided |
|
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
MD |
1 |
13 |
C |
A |
A |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634192 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133454 |
894 |
XXXXXXXXXX |
Compliance |
Compliance |
|
Compliance
- TRID LE- Other |
|
Missing
revised XXX issued within XX days of coc dated XXXXX (when lock was extended) |
Information
provided |
|
Client
03/13/2025 02:32 PM; Only the XXXXX XXXXXXXX XXX was issued to borrower. XXXX XXXXXXXX XXX is dated XXXXXXXXXXX XXXXXXX see the uploaded
XXXXXX XXX that reflects the increase in discount points
Reviewer 03/13/2025 03:11 PM;
Reviewer 03/14/2025 11:24 AM;
|
03/14/2025 |
|
|
A |
1 |
XXXXXXXXXX |
MD |
1 |
13 |
C |
A |
A |
A |
C |
A |
A |
A |
|
Exempt |
1 |
| 1634193 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133605 |
437 |
XXXXXXXXXX |
Credit |
UW
Income/Employment |
|
UW
Income/Employment - UW - Missing/Incomplete Verbal VOE |
|
For
self-employed borrowers, the existence of the business must be independently verified within XXX business days of closing. XXXXXXXX
verification of business dated within XXX days of closing. |
Self-employment
verification is XXX days prior to the XXXXX date. XXXXXXXXXXXX provided dated XXXXXXXXX XXXXX dated XXXXXXXXXXX |
|
Client
03/18/2025 07:22 AM; XX XXXXXXXXX days for XXXXXXXXXXXXXX borrowers
Reviewer 03/18/2025 08:48 AM;
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
13 |
D |
A |
D |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1634193 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133611 |
998 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Title Commitment is missing or requires correction. |
|
Provide
evidence XXXXXXXXXXXXX of XXXXX in favor of XXXX XXXXXXXXX XXXXXXXX XXXXXXXX recorded XXXXXXXXXXX was provided as indicated on the
XXXXXX commitment XXXXXXXXX XXX XXXXX XX number XXXX |
Non-Identity
XXXXXXXXXX provided. |
|
|
03/18/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
1 |
13 |
D |
A |
D |
A |
A |
A |
A |
A |
|
Exempt |
1 |
| 1634278 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133733 |
328 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Satisfactory 12 mth Mortgage |
|
Satisfactory
evidence of ownership/satisfactory history of mortgage with XXXXXXXXX XXXXXXX for property located at XXXXXX XXXXXXX XXXXXX XXXX
XXXXXXXXXXX primary address) |
|
Received
exception approval for mortgage history/ XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXXX over XX tradelines for XX years, XXX XXXXX out refi,
over XX mos reserves. |
Client
04/07/2025 03:40 PM; Can this be waived with comp factors?
Reviewer 04/08/2025 08:18 AM; Please provide an XXXXXXXXXX XXXXX with XXXXXXXXXXXXX XXXXXXX
Reviewer 04/08/2025 08:18 AM;
|
|
|
04/08/2025 |
B |
2 |
XXXXXXXXXX |
OK |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634278 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133737 |
330 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit Other |
|
Unleased
property to reduce XXXX by XXXX XXX XXXXX to review an additional XXX reduction for a total of XXX |
Vacant
or unleased property is allowed without XXXX restrictions |
|
Client
03/19/2025 07:20 AM; Vacant or unleased property is allowed without XXXX restrictions
Reviewer 03/19/2025 11:37 AM;
|
03/19/2025 |
|
|
A |
1 |
XXXXXXXXXX |
OK |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634278 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134356 |
350 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW - LTV/CLTV does not meet parameters |
|
Max
XXXXXXXXX XXXX for borrower with bankruptcy XXXXX months. XXXXX closed at XXXX XXXXX |
|
Exception
approval received for XXXX XXXX - XXXXXXXXXXXXX XXXXXXXX - XXXX XXXXXX over XX tradelines for XX years, XXX XXXXX out refi, over
XX mos reserves. |
|
|
|
03/19/2025 |
B |
2 |
XXXXXXXXXX |
OK |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634501 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134414 |
389 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Fraud Alert documentation |
|
Provide
fraud report with all high and medium alerts cleared. |
received
fraud report with alerts cleared |
|
|
03/19/2025 |
|
|
A |
1 |
XXXXXXXXXX |
IA |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1634501 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134415 |
272 |
XXXXXXXXXX |
Valuation |
UW
Collateral |
|
UW
Collateral - UW - Appraisal Other |
|
Appraisal
reflected subject property was recently listed for sale. XXXXXXXXX to confirm in writing the reason for the prior listing, as well
as proof it was taken off the market. |
Received
XXXXXXX proof listing was removed. |
|
|
04/07/2025 |
|
|
A |
1 |
XXXXXXXXXX |
IA |
3 |
13 |
C |
A |
C |
A |
N/A |
N/A |
C |
A |
|
Exempt |
1 |
| 1634505 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134403 |
322 |
XXXXXXXXXX |
Credit |
UW
Credit |
|
UW
Credit - UW - Credit - Minimum FICO |
|
Guidelines
require a minimum XXXXX score of XXXX for the loan program. XXXXXXXXX has a XXXX XXXXX score. |
|
Compensating
XXXXXXXXX XXXXXXXXXXXX investor; XXXX XXXXX XXXXX XXXXX |
|
|
|
03/18/2025 |
B |
2 |
XXXXXXXXXX |
GA |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634505 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7133858 |
72 |
XXXXXXXXXX |
Credit |
Closing
Package |
|
Closing
Package - |
|
Closing
XXXXXXXXXXXX XXXXXX or XXXXXXXXXXX XXXXXXXXXX is missing from file. XXXXX is business purpose. |
|
|
|
03/19/2025 |
|
|
A |
1 |
XXXXXXXXXX |
GA |
3 |
13 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1634673 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7134595 |
998 |
XXXXXXXXXX |
Credit |
UW
Other |
|
UW
Other - UW - Title Commitment is missing or requires correction. |
|
Title
XXXXXXXXXXX XXXXXXXXX XX reflects the XXXXXXXXXXX XXXXX as XXXXXXXXXX which is in the future. XXXXX needs to be corrected. XXXXX
XXXX last XXXXX for XXXX XXXXXXXXX XXXX was on XXXXXXXXXXXXX XXXXX looks to be the XXXXXX from the prior sale. |
received
revised title |
|
|
04/05/2025 |
|
|
A |
1 |
XXXXXXXXXX |
CA |
3 |
13 |
D |
A |
D |
A |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1636449 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7136751 |
851 |
XXXXXXXXXX |
Credit |
UW
Qualifications |
|
UW
Qualifications - UW – Exception needed |
|
Standard
XXXX is required for private lenders. XXXXXXX to provide standard XXXXX |
|
Compensating
XXXXXXXXX XX year credit history; XXX consumer lates in last XXX months; XXXXX XX years clean mortgage history with other
prior mortgages dating back to XXXXXX |
|
|
|
04/08/2025 |
B |
2 |
XXXXXXXXXX |
FL |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |
| 1636449 |
XXXXXXXXXXX |
XXXXXXXXXXX |
7135940 |
957 |
XXXXXXXXXX |
Credit |
Closing
Package |
|
Closing
Package - First Payment Letter Missing or Incorrect |
|
The
XXXXXX XXXXXXXX XXXXXXX reflected a total in the amount of XXXXXXXXXXXXX however, the auditor calculated the amount as XXXXXXXXXXXXXX
XXXXXXX amounts on XXXXXX XXXXXXXX XXXXXXX are correct. XXX they are correct and XXXX was found to be incorrect, then provide updated
XXXXX |
Information
provided |
|
|
04/11/2025 |
|
|
A |
1 |
XXXXXXXXXX |
FL |
3 |
3 |
C |
B |
C |
B |
N/A |
N/A |
A |
A |
|
Exempt |
1 |