MORGAN STANLEY CAPITAL I INC. ABS-15G
Exhibit 99.3 Schedule 1
| Loan ID | Seller Loan ID | Redaction ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXX | XXXX | 8985894 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 9036015 | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2025-01-14 16:19 | 2025-02-05 11:58 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding. Cash out exceed max by $347.26. - Due Diligence Vendor-02/05/2025 Open-*New* maximum cash out allowed is $1,000,000.00 and the borrower received $1,000,347.26 - Due Diligence Vendor-01/14/2025 |
Waived-Originator waiver applied to non material finding. Cash out exceed max by $347.26. - Due Diligence Vendor-02/05/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Client qualified with a 770 Credit Score LTV is less than guideline maximum - Loan closed at 53% LTV vs max allowed to 80% |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3206029 | |||
| XXXX | XXXX | 9036015 | D | B | D | B | A | A | A | A | Closed | FCRE0700 | 2025-01-09 13:48 | 2025-01-14 16:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Closing Detail Statement Document received. - Due Diligence Vendor-06/19/2025 Ready for Review-Document Uploaded. please find the final SS for review. - Seller-01/13/2025 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Copy in file is not signed or stamped final copy - Due Diligence Vendor-01/09/2025 |
Ready for Review-Document Uploaded. please find the final SS for review. - Seller-01/13/2025 |
Resolved-Closing Detail Statement Document received. - Due Diligence Vendor-06/19/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Client qualified with a 770 Credit Score LTV is less than guideline maximum - Loan closed at 53% LTV vs max allowed to 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3174428 | |
| XXXX | XXXX | 9067338 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9067367 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9067362 | D | B | D | B | A | A | A | A | Closed | FCRE7347 | 2025-04-01 16:59 | 2025-05-27 12:04 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-05/27/2025 Open-Lease agreement in the file expires in XXXX and must be valid for 6 months to use actual rents. - Due Diligence Vendor-04/01/2025 |
Waived-Originator exception granted, waiver applied with comp factors - Due Diligence Vendor-05/27/2025 |
Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score |
Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3746281 | |
| XXXX | XXXX | 9067362 | D | B | D | B | A | A | A | A | Closed | FCRE0068 | 2025-02-13 14:33 | 2025-02-21 14:47 | Waived | 2 - Non-Material | C | B | Credit | Closing | Remaining Equity is less than $40,000 which does not meet guideline requirement | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Credit exception for the minimum equity not being met has been uploaded, please clear condition. - Seller-02/19/2025 Open-Remaining equity is less than $40,000 which does not meet guideline requirement. Verified no exception request in file for equity < 40k - Due Diligence Vendor-02/13/2025 |
Ready for Review-Document Uploaded. Credit exception for the minimum equity not being met has been uploaded, please clear condition. - Seller-02/19/2025 |
Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-05/27/2025 |
Months Reserves exceed minimum required - Required 6 mos reserves client has over 11 mos reserves Qualifying FICO score is at least 20 points above minimum for program - min 700 client qualified with an 814 credit score |
-Required 6 mos reserves client has over 11 mos reserves. -min 700 client qualified with an 814 credit score |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 3419157 |
| XXXX | XXXX | 9067405 | C | A | A | A | A | A | C | A | Closed | FPRO0011 | 2025-02-14 17:30 | 2025-02-27 12:37 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-1004D provided dated after the end date of the disaster. - Due Diligence Vendor-02/27/2025 Counter-Disaster certification or appraisal confirmation no impact to recent disaster required. Findings remain - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. Appraisal update completed XXXX which is outside of the incident dates. Please clear condition. - Seller-02/25/2025 Counter-Post Disaster Inspection is required . Appraisal completed 1-21-25 is within the incident period. XXXX (XXXX) Incident Period: XXXX - XXXX Major Disaster Declaration declared on XXXX - Due Diligence Vendor-02/21/2025 Ready for Review-Appraisal effective date is XXXX which is after the incident period listed in the exception, please clear condition. - Seller-02/19/2025 Open-XXXX (XXXX) Incident Period: XXXX and continuing Major Disaster Declaration declared on XXXX-Post disaster inspection required - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Appraisal update completed XXXX which is outside of the incident dates. Please clear condition. - Seller-02/25/2025 Ready for Review-Appraisal effective date is XXXX which is after the incident period listed in the exception, please clear condition. - Seller-02/19/2025 |
Resolved-1004D provided dated after the end date of the disaster. - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Borrower has 15.97 months in reserves 6 required Qualifying FICO score is at least 20 points above minimum for program - Borrowers Fico score is 754 min 680 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3429613 | |
| XXXX | XXXX | 9056932 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9067429 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9067436 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9069514 | C | A | C | A | A | A | A | A | Closed | FCRE0969 | 2025-02-25 05:54 | 2025-02-27 13:07 | Resolved | 1 - Information | C | A | Credit | Closing | Prepayment Penalty Issue | Resolved-Upon further review, the PPP is disclosed in the body of the Note which is sufficient. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. PPP LOX - Buyer-02/26/2025 Open-Missing Prepayment addendum to the note or PPP rider. - Due Diligence Vendor-02/25/2025 |
Resolved-Upon further review, the PPP is disclosed in the body of the Note which is sufficient. - Due Diligence Vendor-02/27/2025 |
LTV is less than guideline maximum - Maximum LTV is 75%; qualifying LTV is 59.45%. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 108.27 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3474457 | ||
| XXXX | XXXX | 9056924 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-02-25 11:08 | 2025-03-05 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/04/2025 Counter-Mortgage Participant List Report provided. Please provide the full Fraud report. - Due Diligence Vendor-02/27/2025 Ready for Review-Supporting Docs - Buyer-02/26/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/25/2025 |
Resolved-Received fraud report. - Due Diligence Vendor-03/05/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 82.04 months. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 796. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3476586 | ||
| XXXX | XXXX | 9056924 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-02-25 13:03 | 2025-02-27 12:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit Disclosure - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Supporting Docs - Seller-02/26/2025 Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Cert is incomplete. Borrower did not initial the box at the bottom of the Business Purpose Cert - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. Supporting Docs - Seller-02/26/2025 |
Resolved-Received Business Purpose Affidavit Disclosure - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 82.04 months. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 796. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3478293 | |
| XXXX | XXXX | 9056924 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-02-25 11:19 | 2025-02-27 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Supporting Docs - Buyer-02/25/2025 Open-Missing Approval/Underwriting Summary. - Due Diligence Vendor-02/25/2025 |
Resolved-Received Approval/Underwriting Summary - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 82.04 months. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 796. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3477164 | ||
| XXXX | XXXX | 9056924 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-02-25 11:17 | 2025-02-27 12:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. DSCR Worksheet - Seller-02/25/2025 Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. DSCR Worksheet - Seller-02/25/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-02/27/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 82.04 months. Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 796. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3476642 | |
| XXXX | XXXX | 9069524 | D | A | D | A | A | A | A | A | Closed | FCRE1151 | 2025-02-25 12:18 | 2025-02-27 13:20 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received Chain of Title - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. chain of title - Buyer-02/26/2025 Open-Unsatisfactory Chain of Title provided. Missing 24 month Chain of Title - Due Diligence Vendor-02/25/2025 |
Resolved-Received Chain of Title - Due Diligence Vendor-02/27/2025 |
Long term residence - The Borrower has resided in there current home for 10 years. Months Reserves exceed minimum required - The Borrower has 21.96 months in reserves. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3477747 | ||
| XXXX | XXXX | 9069524 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-02-25 12:47 | 2025-02-27 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. fraud - Buyer-02/26/2025 Open-Missing Third Party Fraud Report. - Due Diligence Vendor-02/25/2025 |
Resolved-Received Fraud Report. - Due Diligence Vendor-02/27/2025 |
Long term residence - The Borrower has resided in there current home for 10 years. Months Reserves exceed minimum required - The Borrower has 21.96 months in reserves. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3478099 | ||
| XXXX | XXXX | 9069524 | D | A | D | A | A | A | A | A | Closed | FCRE8257 | 2025-02-25 14:36 | 2025-02-27 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-Upon further review, PPP is in the body of the Note, which is sufficient. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Prepayment rider LOX - Buyer-02/26/2025 Open-Missing prepayment rider on mortgage. - Due Diligence Vendor-02/25/2025 |
Resolved-Upon further review, PPP is in the body of the Note, which is sufficient. - Due Diligence Vendor-02/27/2025 |
Long term residence - The Borrower has resided in there current home for 10 years. Months Reserves exceed minimum required - The Borrower has 21.96 months in reserves. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3479302 | ||
| XXXX | XXXX | 9069516 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-02-27 09:13 | 2025-03-10 11:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received complete fraud report. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. supporting docs - Seller-03/07/2025 Counter-Missing vested entity-borrowers LLC in participant search. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025 Counter-Received Fraud Report-missing vested entity-LLC- in Loan Participant watchlist. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-03/03/2025 Open-Missing Third Party Fraud Report A copy of the findings report must be provided in the loan file along with any documentation resolving any deficiencies or red flags noted. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. supporting docs - Seller-03/07/2025 Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025 |
Resolved-Received complete fraud report. - Due Diligence Vendor-03/10/2025 |
Months Reserves exceed minimum required - 29 months reserves, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 758 Fico, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3491241 | |
| XXXX | XXXX | 9069516 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-02-27 08:45 | 2025-03-10 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit-full executed. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. spouse business affidavit - Buyer-03/07/2025 Counter-Received Business Purpose Affidavit executed by B1--provide for B2 as well. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Supporting Docs - Buyer-03/05/2025 Counter-Please provide complete Business Purpose Affidavit. Sample available pg 82 of guidelines. Affidavit must include all declarations. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Supporting Docs - Buyer-03/03/2025 Open-The Business Purpose Affidavit Disclosure is Missing BP required. - Due Diligence Vendor-02/27/2025 |
Resolved-Received Business Purpose Affidavit-full executed. - Due Diligence Vendor-03/10/2025 |
Months Reserves exceed minimum required - 29 months reserves, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 758 Fico, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3490965 | ||
| XXXX | XXXX | 9069516 | D | A | D | A | A | A | A | A | Closed | FCRE1252 | 2025-02-27 08:52 | 2025-03-06 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Receive complete preliminary title - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025 Counter-Received preliminary title report-Loan policy is insufficient. Please provide supplement or update reflecting title coverage equal or greater than loan amount. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/03/2025 Open-Title Document is Incomplete Only page 2 of 11 was provided. Full commitment is required. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. Supporting Docs - Seller-03/05/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/03/2025 |
Resolved-Receive complete preliminary title - Due Diligence Vendor-03/06/2025 |
Months Reserves exceed minimum required - 29 months reserves, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 758 Fico, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3491034 | |
| XXXX | XXXX | 9069516 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-02-27 09:05 | 2025-03-04 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Supporting Docs - Buyer-03/03/2025 Open-Missing Hazard Insurance Policy Missing policy, certificate of insurance or Insurance binder. - Due Diligence Vendor-02/27/2025 |
Resolved-Received HOI policy - Due Diligence Vendor-03/04/2025 |
Months Reserves exceed minimum required - 29 months reserves, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 758 Fico, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3491158 | ||
| XXXX | XXXX | 9069521 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-02-27 19:02 | 2025-03-04 12:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-02/28/2025 Open-The Business Purpose Affidavit Disclosure is Missing Missing required Business Purpose and Occupancy Affidavit per guidelines. - Due Diligence Vendor-02/28/2025 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/04/2025 |
Months Reserves exceed minimum required - Guidelines require 3 months of reserves. Qualifying reserves are 372 months. Qualifying FICO score is at least 20 points above minimum for program - FICO: 782 Min 700 LTV is less than guideline maximum - LTV: 70% Max 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3498225 | ||
| XXXX | XXXX | 9069518 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9101435 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9101414 | D | A | D | A | A | A | C | A | Closed | FCRE1202 | 2025-03-11 14:51 | 2025-03-14 15:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received acceptable Fraud Report. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Complete fraud report has been uploaded, please clear condition. - Seller-03/13/2025 Open-Third Party Fraud Report Partially Provided Provide all the pages the Fraud Report only a few pages were provided missing XXXX. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Complete fraud report has been uploaded, please clear condition. - Seller-03/13/2025 |
Resolved-Received acceptable Fraud Report. - Due Diligence Vendor-03/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 620 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3584313 | |
| XXXX | XXXX | 9101414 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2025-03-11 14:39 | 2025-03-14 15:51 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection 1004D - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Appraisal update has been provided, please clear condition. - Seller-03/13/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Appraisal requires the 1004D completion cert support if any repairs were completed. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Appraisal update has been provided, please clear condition. - Seller-03/13/2025 |
Resolved-Received final inspection 1004D - Due Diligence Vendor-03/14/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 757 is higher than the required 620 LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3584137 | |
| XXXX | XXXX | 9076135 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9101424 | D | A | D | A | A | A | A | A | Closed | FCRE1164 | 2025-03-13 13:35 | 2025-03-21 15:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Master Flood Insurance. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. master policy - Seller-03/20/2025 Counter-Received individual Flood Insurance Policy-please provide Master HOA Flood Insurance Coverage as noted on HOA Cert received. - Due Diligence Vendor-03/17/2025 Ready for Review-Document Uploaded. please find the flood dec page - Seller-03/14/2025 Open-Missing Flood Insurance Policy -Missing Flood Insurance policy: Provide the Flood Insurance since the Flood is being escrowed on the CD - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. master policy - Seller-03/20/2025 Ready for Review-Document Uploaded. please find the flood dec page - Seller-03/14/2025 |
Resolved-Received Master Flood Insurance. - Due Diligence Vendor-03/21/2025 |
Months Reserves exceed minimum required - 9.13 months reserves exceed required 6 by 3.13 months LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3605281 | |
| XXXX | XXXX | 9101424 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-03-13 13:25 | 2025-03-17 16:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received Condo Questionnaire. - Due Diligence Vendor-03/17/2025 Ready for Review-Document Uploaded. please find the HOA questionnaire - Seller-03/14/2025 Open--Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide the required HOA Questionnaire Document - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. please find the HOA questionnaire - Seller-03/14/2025 |
Resolved-Received Condo Questionnaire. - Due Diligence Vendor-03/17/2025 |
Months Reserves exceed minimum required - 9.13 months reserves exceed required 6 by 3.13 months LTV is less than guideline maximum - LTV 75% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3605071 | |
| XXXX | XXXX | 9081723 | D | B | D | B | A | A | A | A | Closed | FCRE1198 | 2025-03-13 21:11 | 2025-04-01 17:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received all required asset documentation. Audited Reserves of 209.94 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 Counter-Letter from Title company stating they are holding XXXX of XXXX / his entities for over a year provided. Please provide a list of the borrower entities and documentation to support ownership %. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/17/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing evidence of sufficient assets to meet minimum reserve requirements. - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 |
Resolved-Received all required asset documentation. Audited Reserves of 209.94 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025 |
LTV is less than guideline maximum - 75% LTV; max 80% LTV Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609187 | |
| XXXX | XXXX | 9081723 | D | B | D | B | A | A | A | A | Closed | FCRE0070 | 2025-03-13 21:11 | 2025-04-01 17:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/17/2025 Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-03/14/2025 |
Resolved-Received 1008 - Due Diligence Vendor-03/28/2025 |
LTV is less than guideline maximum - 75% LTV; max 80% LTV Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609188 | ||
| XXXX | XXXX | 9081723 | D | B | D | B | A | A | A | A | Closed | FCRE9501 | 2025-03-13 21:08 | 2025-03-28 13:13 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/27/2025 Counter-Letter from Title company stating they are holding XXXX of XXXX / his entities for over a year provided. Please provide a list of the borrower entities and documentation to support ownership %. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/17/2025 Open-Total Qualified Assets Post-Close amount is '$-12417.32'. Assets are Insufficient. Missing evidence of sufficient assets to meet minimum closing cost requirements - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/17/2025 |
Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025 |
LTV is less than guideline maximum - 75% LTV; max 80% LTV Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3609185 | |
| XXXX | XXXX | 9081723 | D | B | D | B | A | A | A | A | Closed | FCRE8201 | 2025-03-14 11:05 | 2025-03-19 13:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client provided a waiver allow more than 6 loans or $3.5 aggregate, applied to non material finding with comp factors and reviewed comp factors. 75% LTV < 80%. 728 FICO > 700 minimum required - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Exception approval. Meets XXXX guides - Seller-03/18/2025 Open-Loan does not conform to program guidelines due to - Exception request to allow more than 6 loans or $3.5 aggregate. Eresi exception approval not provided - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. Exception approval. Meets XXXXI guides - Seller-03/18/2025 |
Waived-Client provided a waiver allow more than 6 loans or $3.5 aggregate, applied to non material finding with comp factors and reviewed comp factors. 75% LTV < 80%. 728 FICO > 700 minimum required - Due Diligence Vendor-03/19/2025 |
LTV is less than guideline maximum - 75% LTV; max 80% LTV Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
6 months reserves greater than the program requirement | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3613497 |
| XXXX | XXXX | 9069523 | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2025-03-14 11:54 | 2025-04-08 13:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Required forms/disclosures missing | Resolved-Received LLC borrower certificate. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Signed Borrowing Cert - Buyer-04/07/2025 Open-Missing LLC borrowing certificate-not all members of the borrowing LLC are on the loan - Due Diligence Vendor-03/14/2025 |
Resolved-Received LLC borrower certificate. - Due Diligence Vendor-04/08/2025 |
Months Reserves exceed minimum required - 28 months reserves documented, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 734 FICO, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3614343 | ||
| XXXX | XXXX | 9069523 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-03-13 10:53 | 2025-03-26 13:41 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Exhibit A - Buyer-03/25/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Incomplete and missing legal - Due Diligence Vendor-03/13/2025 |
Resolved-Received Legal. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - 28 months reserves documented, 3 months required Qualifying FICO score is at least 20 points above minimum for program - 734 FICO, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3602487 | ||
| XXXX | XXXX | 9101403 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-03-17 13:49 | 2025-03-20 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received acceptable HOI. - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. please find the haz ins for review. - Seller-03/19/2025 Open-Missing Hazard Insurance Policy No Hazard Insurance was provided. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. please find the haz ins for review. - Seller-03/19/2025 |
Resolved-Received acceptable HOI. - Due Diligence Vendor-03/20/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 766 is higher than the required 720 Months Reserves exceed minimum required - 9.18 months reserves exceed required 6 by 3.18 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3628084 | |
| XXXX | XXXX | 9081724 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2025-03-19 09:29 | 2025-04-18 13:23 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted 6 loans or $3.5 aggregate to one borrower waiver applied with compactors - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/20/2025 Open-lenders exposure > 6 loans or $3.5 Aggregate. Exception in the file. Missing Approval email. - Due Diligence Vendor-03/19/2025 |
Waived-Client exception granted 6 loans or $3.5 aggregate to one borrower waiver applied with compactors - Due Diligence Vendor-04/18/2025 |
LTV is less than guideline maximum - LTV: 75 Max 80 Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
Fico: 728>700; LTV 75%<80% max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3645396 | |
| XXXX | XXXX | 9081724 | C | B | C | B | A | A | A | A | Closed | FCRE1491 | 2025-03-18 14:54 | 2025-03-28 12:57 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received documentation to support the borrower is 100% owner of the property sold to source the borrowers assets. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. XXXX is owner of XXXX - Buyer-03/27/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Lender provided an letter from a title agency stating they have funds in escrow; however, documents provided do not meet lender requirements. - Due Diligence Vendor-03/18/2025 |
Resolved-Received documentation to support the borrower is 100% owner of the property sold to source the borrowers assets. - Due Diligence Vendor-03/28/2025 |
LTV is less than guideline maximum - LTV: 75 Max 80 Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3639772 | ||
| XXXX | XXXX | 9081754 | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-03-18 16:03 | 2025-04-02 12:45 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received all required asset documentation. Audited Reserves of 759.1 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/31/2025 Counter-Received Settlement Statements and Operating Agreement, however we are missing verification from Title if they are still holding the funds. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/27/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing evidence of sufficient assets to meet minimum reserve requirements. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/31/2025 |
Resolved-Received all required asset documentation. Audited Reserves of 759.1 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-04/02/2025 |
Long term residence - 7 years at current residence Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640583 | |
| XXXX | XXXX | 9081754 | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2025-03-18 15:58 | 2025-04-02 12:45 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received all required asset documentation - Due Diligence Vendor-04/02/2025 Ready for Review-Supporting Doc Uploaded - Buyer-03/31/2025 Counter-Received Settlement Statements and Operating Agreement, however we are missing verification from Title if they are still holding the funds. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Lender provided an letter from a title agency stating they have funds in escrow; however, documents provided do not meet lender requirements. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 |
Resolved-Received all required asset documentation - Due Diligence Vendor-04/02/2025 |
Long term residence - 7 years at current residence Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640521 | |
| XXXX | XXXX | 9081754 | C | A | C | A | A | A | A | A | Closed | FCRE9501 | 2025-03-18 15:58 | 2025-04-02 12:45 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all required asset documentation - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/31/2025 Counter-Received Settlement Statements and Operating Agreement, however we are missing verification from Title if they are still holding the funds. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 Open-Total Qualified Assets Post-Close amount is '$-12192.32'. Assets are Insufficient. Missing evidence of sufficient assets to meet minimum closing cost requirements - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Supporting Doc Uploaded - Seller-03/31/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 |
Resolved-Received all required asset documentation - Due Diligence Vendor-04/18/2025 |
Long term residence - 7 years at current residence Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640522 | |
| XXXX | XXXX | 9081744 | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2025-03-19 14:43 | 2025-04-18 13:24 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Client exception granted 6 loans or $3.5 aggregate, waiver applied with compactors - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/20/2025 Open-Loan does not conform to program guidelines due to - Exception request to allow more than 6 loans or $3.5 aggregate. Eresi exception approval not provided. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. Supporting docs - Seller-03/20/2025 |
Waived-Client exception granted 6 loans or $3.5 aggregate, waiver applied with compactors - Due Diligence Vendor-04/18/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 Long term residence - 7 years at current residence |
6 months reserves greater than the program requirement; Fico: 728 >700; LTV: 75%<80% max | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3650250 |
| XXXX | XXXX | 9081744 | C | B | C | B | A | A | A | A | Closed | FCRE1198 | 2025-03-18 16:36 | 2025-03-28 13:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received all required Asset documentation. Audited Reserves of 209.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/27/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Missing evidence of sufficient assets to meet minimum reserve requirements. - Due Diligence Vendor-03/18/2025 |
Resolved-Received all required Asset documentation. Audited Reserves of 209.6 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-03/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 Long term residence - 7 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640961 | ||
| XXXX | XXXX | 9081744 | C | B | C | B | A | A | A | A | Closed | FCRE1491 | 2025-03-18 16:31 | 2025-03-28 13:08 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 Open-Asset Qualification Does Not Meet Guideline Requirements Lender provided an letter from a title agency stating they have funds in escrow; however, documents provided do not meet lender requirements. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. Supporting docs - Seller-03/27/2025 |
Resolved-Received all required asset documentation. - Due Diligence Vendor-03/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 Long term residence - 7 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640883 | |
| XXXX | XXXX | 9081744 | C | B | C | B | A | A | A | A | Closed | FCRE9501 | 2025-03-18 16:31 | 2025-03-28 13:08 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received all required Asset documentation. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-03/27/2025 Open-Total Qualified Assets Post-Close amount is '$-8459.56'. Assets are Insufficient. Missing evidence of sufficient assets to meet minimum closing cost requirements - Due Diligence Vendor-03/18/2025 |
Resolved-Received all required Asset documentation. - Due Diligence Vendor-03/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - FICO: 728 Min 700 Long term residence - 7 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3640884 | ||
| XXXX | XXXX | 9081713 | D | A | D | A | A | A | A | A | Closed | FCRE1151 | 2025-03-18 18:48 | 2025-03-24 15:38 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-prelim title shows previous mortgage in 10/2022. XXXX confirms the borrower has owned the subject since 1999. - Due Diligence Vendor-03/24/2025 Counter-Received duplicate preliminary title-missing 24 month chain of title. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. title - Buyer-03/20/2025 Open-Unsatisfactory Chain of Title provided. Missing required 24 Month Chain of Title - Due Diligence Vendor-03/18/2025 |
Resolved-prelim title shows previous mortgage in 10/2022. Fraudguard confirms the borrower has owned the subject since 1999. - Due Diligence Vendor-03/24/2025 |
Months Reserves exceed minimum required - Reserves: 24 Min 3 Long term residence - 20 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3642049 | ||
| XXXX | XXXX | 9081713 | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2025-03-18 18:58 | 2025-03-21 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Flood Certificate - Buyer-03/20/2025 Open-Missing Flood Certificate Missing required Flood Certification with Life of Loan span. - Due Diligence Vendor-03/18/2025 |
Resolved-Received flood cert. - Due Diligence Vendor-03/21/2025 |
Months Reserves exceed minimum required - Reserves: 24 Min 3 Long term residence - 20 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3642070 | ||
| XXXX | XXXX | 9081713 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-03-18 19:07 | 2025-03-21 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. 1008 - Buyer-03/20/2025 Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-03/18/2025 |
Resolved-Received 1008 - Due Diligence Vendor-03/21/2025 |
Months Reserves exceed minimum required - Reserves: 24 Min 3 Long term residence - 20 years at current residence |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3642098 | ||
| XXXX | XXXX | 9091805 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-03-19 09:20 | 2025-03-21 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/19/2025 Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit. - Due Diligence Vendor-03/19/2025 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-03/21/2025 |
Months Reserves exceed minimum required - Minimum 3 months, actual 93.23 months Qualifying FICO score is at least 20 points above minimum for program - Minimum 720, actual 746 LTV is less than guideline maximum - Max 70%, actual 52.22% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3645316 | ||
| XXXX | XXXX | 9076134 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2025-03-20 17:08 | 2025-03-26 12:30 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing history listed on the credit report for current and previous properties. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. 1003 - Seller-03/26/2025 Open-Housing History Does Not Meet Guideline Requirements Missing documentation which supports no less than 12 months most recent primary housing payment history. Current mortgage is only reporting for 3 months. Applicaiton does not reflect a full 2 years history. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. 1003 - Seller-03/26/2025 |
Resolved-Housing history listed on the credit report for current and previous properties. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - Reserves: 9 Min 3 DSCR % greater than 1.20 - DSCR: 1.673 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3663221 | |
| XXXX | XXXX | 9076134 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-03-20 17:30 | 2025-03-26 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008. - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-03/24/2025 Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-03/20/2025 |
Resolved-Received 1008. - Due Diligence Vendor-03/25/2025 |
Months Reserves exceed minimum required - Reserves: 9 Min 3 DSCR % greater than 1.20 - DSCR: 1.673 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3663422 | ||
| XXXX | XXXX | 9076134 | D | A | D | A | A | A | A | A | Closed | FCRE1151 | 2025-03-20 16:58 | 2025-03-26 12:28 | Resolved | 1 - Information | C | A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-chain of title provided. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Title - Buyer-03/26/2025 Counter-Received 1008-please provide acceptable 24 month chain of title. Finding remans. - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. supporting docs - Seller-03/24/2025 Open-Unsatisfactory Chain of Title provided. Missing 24 Month Chain of Title. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. supporting docs - Seller-03/24/2025 |
Resolved-chain of title provided. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - Reserves: 9 Min 3 DSCR % greater than 1.20 - DSCR: 1.673 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3663102 | |
| XXXX | XXXX | 9076134 | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-03-20 16:58 | 2025-03-26 12:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Title Document Missing | Resolved-Prelim title provided. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Title - Buyer-03/26/2025 Open-Title Document is missing Missing preliminary title commitment, schedules, searches. - Due Diligence Vendor-03/20/2025 |
Resolved-Prelim title provided. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - Reserves: 9 Min 3 DSCR % greater than 1.20 - DSCR: 1.673 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3663103 | ||
| XXXX | XXXX | 9076134 | D | A | D | A | A | A | A | A | Closed | FCRE8887 | 2025-03-20 17:09 | 2025-03-26 12:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Updated 1003 provided reflecting a two-year housing history. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. corrected 1003 Purchased current residence in XXXX. Prior residence sold XXXX XXXX - Seller-03/25/2025 Open-Loan application incomplete, missing two years most recent primary residency information. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. corrected 1003 Purchased current residence in XXXX. Prior residence sold XXXX XXXX - Seller-03/25/2025 |
Resolved-Updated 1003 provided reflecting a two-year housing history. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - Reserves: 9 Min 3 DSCR % greater than 1.20 - DSCR: 1.673 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3663226 | |
| XXXX | XXXX | 9104753 | D | A | D | A | A | A | C | A | Closed | FPRO0011 | 2025-03-20 13:39 | 2025-03-26 12:06 | Resolved | 1 - Information | C | A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Appraisal completed 120 days from disaster-no additional requirements. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. HI The appraisal was completed 120 days from the disaster declaration date there for no comment is required per guidelines. Please request finding to be removed. - Seller-03/25/2025 Counter-Provide revised appraisal confirming no impact to subject property from recent disaster. - Due Diligence Vendor-03/25/2025 Ready for Review-Hi please advise if you will be ordering PDI thank you :) - Seller-03/24/2025 Open-XXXX (XXXX) Incident Period: XXXX - XXXX No comment was noted by the Appraiser - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. HI The appraisal was completed 120 days from the disaster declaration date there for no comment is required per guidelines. Please request finding to be removed. - Seller-03/25/2025 Ready for Review-Hi please advise if you will be ordering PDI thank you :) - Seller-03/24/2025 |
Resolved-Appraisal completed 120 days from disaster-no additional requirements. - Due Diligence Vendor-03/26/2025 |
Months Reserves exceed minimum required - 74.5 months available vs. 6 required DSCR % greater than 1.20 - > 1.2 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3660032 | |
| XXXX | XXXX | 9104753 | D | A | D | A | A | A | C | A | Closed | FCRE1157 | 2025-03-20 13:54 | 2025-03-25 10:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance policy - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-Received Hazard Insurance policy - Due Diligence Vendor-03/25/2025 |
Months Reserves exceed minimum required - 74.5 months available vs. 6 required DSCR % greater than 1.20 - > 1.2 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3660279 | |
| XXXX | XXXX | 9101411 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9091797 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9101449 | D | A | D | A | A | A | A | A | Closed | FCOM1351 | 2025-03-21 11:07 | 2025-04-01 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Per the operating agreements XXXX owns 50%, XXXX owns 37.5% and XXXX owns 12.5%. - Due Diligence Vendor-04/01/2025 Counter-Per Company agreement, XXXX is 25% owner of XXXX. - Due Diligence Vendor-03/31/2025 Ready for Review-XXXX owns 50% of XXXX which makes Aaron share only 12.5%. He does not own 25%, he does not need to execute the personal guaranty. Please clear condition. - Seller-03/26/2025 Counter-XXXX is required, along with XXXX and XXXX, to execute the Personal Guaranty-layering reflects as 50/50 ownership by XXXX and XXXX. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. XXXX is owned by XXXX (50% owned by XXXX) and XXXX (50% between XXXX and XXXX). XXXX is owned by XXXX (75%) and XXXX (25%), XXXX owns 37% of XXXX and XXXX owns 12.5%. XXXX executed the Note and Mortgage as the authorized manager of XXXX. The guarantors with 25% or more ownership in XXXX required to execute the personal guaranty, which are XXXX (50%) and XXXX (37.5%). Please clear condition. - Seller-03/25/2025 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Partial'. Incorrect Personal Guaranty. The other signature is with XXXX and not as the Note and Mtg. appears to have XXXX - Due Diligence Vendor-03/23/2025 |
Ready for Review-XXXXC owns 50% of XXXX which makes Aaron share only 12.5%. He does not own 25%, he does not need to execute the personal guaranty. Please clear condition. - Seller-03/26/2025 Ready for Review-Document Uploaded. XXXX is owned by AXXXX (50% owned by Jamison) and XXXX (50% between XXXX and XXXX). XXXX is owned by XXXX (75%) and XXXX (25%), XXXX owns 37% of XXXX and Aaron owns 12.5%. XXXX executed the Note and Mortgage as the authorized manager of XXXX. The guarantors with 25% or more ownership in XXXX required to execute the personal guaranty, which are XXXX (50%) and XXXX (37.5%). Please clear condition. - Seller-03/25/2025 |
Resolved-Per the operating agreements XXXX owns 50%, XXXX owns 37.5% and XXXX owns 12.5%. - Due Diligence Vendor-04/01/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 620 LTV is less than guideline maximum - LTV 70% is lower than maximum 80% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3668102 | |
| XXXX | XXXX | 9101449 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-03-21 11:09 | 2025-03-26 16:13 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Upon further review, the loan file contained all required mortgage security documentation. - Due Diligence Vendor-03/26/2025 Ready for Review-XXXX is owned byXXXX (50% owned by Jamison) and XXXX (50% between XXXX and XXXX). XXXX is owned by XXXX (75%) and XXXX (25%), XXXX owns 37% of XXXX and XXXX owns 12.5%. XXXX executed the Note and Mortgage as the authorized manager of XXXX. XXXX is only required to execute the personal guaranty as he owns more than 25% of XXXX. - Seller-03/25/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The other signature is with XXXX and the Personal Guaranty shows XXXX and not as the Note and Mtg. appears to have XXXX - Due Diligence Vendor-03/21/2025 |
Ready for Review-XXXX is owned byXXXX (50% owned by XXXX) and XXXX (50% between XXXX and XXXX). XXXX is owned by XXXX (75%) and XXXX (25%), XXXX owns 37% of XXXX and XXXX owns 12.5%. XXXX executed the Note and Mortgage as the authorized manager of XXXX. XXXX is only required to execute the personal guaranty as he owns more than 25% of XXXX. - Seller-03/25/2025 |
Resolved-Upon further review, the loan file contained all required mortgage security documentation. - Due Diligence Vendor-03/26/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 722 is higher than the required 620 LTV is less than guideline maximum - LTV 70% is lower than maximum 80% |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3668124 | ||
| XXXX | XXXX | 9081708 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9081743 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-03-25 12:40 | 2025-03-28 12:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-03/26/2025 Open-Missing Approval/Underwriting Summary Final 1008 missing. - Due Diligence Vendor-03/25/2025 |
Resolved-Received 1008 - Due Diligence Vendor-03/28/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 803. Months Reserves exceed minimum required - Months reserves required is 6; qualifying reserves is 78.87 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3690285 | ||
| XXXX | XXXX | 9101397 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| XXXX | XXXX | 9091820 | D | B | D | B | A | A | A | A | Closed | FCRE4104 | 2025-03-26 13:40 | 2025-03-27 10:14 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-03/27/2025 Open-Bwr received a large deposit of $120,144.00 on XXXX. This was received for work that was completed; invoice has been provided - Due Diligence Vendor-03/26/2025 |
Waived-Client exception granted in file, waiver applied with comp factors. - Due Diligence Vendor-03/27/2025 |
Months Reserves exceed minimum required - 30 months PITIA reserves; 3 months reserves required. Credit history exceeds minimum required - 0 Lates since 1/2021 |
Reserves 24 months above the minimum / Credit History: 0 lates since 1/2021 | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3701166 | ||
| XXXX | XXXX | 9081709 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-03-26 15:55 | 2025-03-31 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. 1008 Uploaded - Buyer-03/27/2025 Open-Missing Approval/Underwriting Summary Missing Approval or 1008. The file contains a Asset worksheet detailing the Loan Details page 46. - Due Diligence Vendor-03/26/2025 |
Resolved-Received 1008 - Due Diligence Vendor-03/31/2025 |
Qualifying FICO score is at least 20 points above minimum for program - The Borrowers credit score is 775; guideline minimum is 700. Months Reserves exceed minimum required - The Borrowers has 27.62 months in reserves. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3702906 | ||
| XXXX | XXXX | 9081721 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-03-27 11:36 | 2025-03-31 13:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-03/28/2025 Open-Missing Approval/Underwriting Summary No approval or 1008 in loan file - Due Diligence Vendor-03/27/2025 |
Resolved-Received 1008 - Due Diligence Vendor-03/31/2025 |
Months Reserves exceed minimum required - Min 3 months, actual 10.36 months Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 765 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3709591 | ||
| XXXX | XXXX | 9104793 | C | A | C | A | A | A | A | A | Closed | FCRE0008 | 2025-04-02 12:14 | 2025-04-03 11:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Prepayment Penalty Discrepancy | Resolved-Lender email confirms the loan was locked with a 1 year prepay. - Due Diligence Vendor-04/03/2025 Open-The note has a 12-month prepayment penalty; however, the tape reflects "N/A" - Due Diligence Vendor-04/02/2025 |
Resolved-Lender email confirms the loan was locked with a 1 year prepay. - Due Diligence Vendor-04/03/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Required Fico 660, subject fico 692 Months Reserves exceed minimum required - Required months reserves 0, subject 5.79 months. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3752817 | |||
| XXXX | XXXX | 9081748 | C | A | C | A | A | A | A | A | Closed | FCRE1440 | 2025-03-28 12:38 | 2025-04-14 17:10 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Housing History Does Not Meet Guideline Requirements Requirements Missing a rent-free letter of explanation from the homeowner required by guidelines. the LOX provided was from borrower only. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Received Rent Free Letter. - Due Diligence Vendor-04/14/2025 |
On time mortgage history exceeds guideline requirement - On time mortgage history for subject. Months Reserves exceed minimum required - 24.61 months PITIA reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3720707 | |
| XXXX | XXXX | 9081748 | C | A | C | A | A | A | A | A | Closed | FCRE3333 | 2025-03-28 12:30 | 2025-04-01 16:02 | Resolved | 1 - Information | C | A | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Resolved-Received documentation to support the subjects listing was withdrawn prior to the Note date. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Seller-03/31/2025 Open-Subject property was listed for sale within a time period not allowed per guidelines Appraisal notes subject was listed for sale on XXXX4 for XXXX (more than appraised value). Missing evidence that listing is cancelled prior to note date as required by guidelines - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-03/31/2025 |
Resolved-Received documentation to support the subjects listing was withdrawn prior to the Note date. - Due Diligence Vendor-04/01/2025 |
On time mortgage history exceeds guideline requirement - On time mortgage history for subject. Months Reserves exceed minimum required - 24.61 months PITIA reserves; 3 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3720636 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FPRO1253 | 2025-03-31 12:23 | 2025-04-08 13:19 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-04/08/2025 Counter-Additional valuation product has not been provided. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/01/2025 Open-Additional valuation product has not been provided. Secondary valuation not provided. - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. supporting docs - Seller-04/01/2025 |
Resolved-Received Desk Review supporting the appraised value. - Due Diligence Vendor-04/08/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3731681 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FCRE0043 | 2025-03-31 13:01 | 2025-04-03 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. DSCR - Buyer-04/01/2025 Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation - Due Diligence Vendor-03/31/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-04/02/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3732153 | ||
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FPRO0008 | 2025-03-31 13:59 | 2025-04-03 11:06 | Resolved | 1 - Information | C | A | Property | Property | Condo Project Warrantable is Unable to Determine | Resolved-1008 provided confirming the condo in non-warrantable. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. corrected 1008 - Seller-04/03/2025 Counter-Documents provided does have the UW attestation of Warrantable or Non-Warrantable. - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. 1008 indicating non-warrantable with exception for investor concentration - Seller-04/01/2025 Open-The Condo Project Warrantability is Unable to Determined. Unable to determine the warrantability - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. corrected 1008 - Seller-04/03/2025 Ready for Review-Document Uploaded. 1008 indicating non-warrantable with exception for investor concentration - Seller-04/01/2025 |
Resolved-1008 provided confirming the condo in non-warrantable. - Due Diligence Vendor-04/03/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3732881 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FCRE1440 | 2025-03-31 12:46 | 2025-04-03 09:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Primary housing is reporting on credit. HUD provided to confirm the property was sold 1/2025. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Proof of primary sale to support housing history - Seller-04/02/2025 Counter-VOR for current residence provided, however we are missing a payment history for prior residence or evidence free and clear. - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Document Uploaded. including VOR - Per UW, "Three mortgage accounts reporting. One was opened in 2020 and the other two in 2021. Borrower owns two units in the project already and is purchasing two more, supporting borrower is an experienced investor. No late payments." - Seller-04/01/2025 Ready for Review-Document Uploaded. Per UW, "Three mortgage accounts reporting. One was opened in 2020 and the other two in 2021. Borrower owns two units in the project already and is purchasing two more, supporting borrower is an experienced investor. No late payments." - Seller-04/01/2025 Open-Housing History Does Not Meet Guideline Requirements VOR for most recent primary residence for 6 months and VOM for previous residence prior to sale for most recent 12 month history, not provided. - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. Proof of primary sale to support housing history - Seller-04/02/2025 Ready for Review-Document Uploaded. Document Uploaded. including VOR - Per UW, "Three mortgage accounts reporting. One was opened in XXXX and the other two in XXXX. Borrower owns two units in the project already and is purchasing two more, supporting borrower is an experienced investor. No late payments." - Seller-04/01/2025 Ready for Review-Document Uploaded. Per UW, "Three mortgage accounts reporting. One was opened in XXXX and the other two in XXXX. Borrower owns two units in the project already and is purchasing two more, supporting borrower is an experienced investor. No late payments." - Seller-04/01/2025 |
Resolved-Primary housing is reporting on credit. HUD provided to confirm the property was sold 1/2025. - Due Diligence Vendor-04/03/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3731991 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FCRE0969 | 2025-03-31 13:45 | 2025-04-03 08:56 | Resolved | 1 - Information | C | A | Credit | Closing | Prepayment Penalty Issue | Resolved-prepay for this loan is built into the Note. There is no prepayment rider to the mortgage. - Due Diligence Vendor-04/03/2025 Ready for Review-email from Amy Downey with regards to a section of the note verifying terms of prepayment - Seller-04/02/2025 Counter-Commercial Note with PPP provided, however the client requires a PPP Rider to the mortgage. - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Commercial note indication prepayment terms on line 6 - Seller-04/01/2025 Open-Prepayment rider not on mortgage. - Due Diligence Vendor-03/31/2025 |
Ready for Review-email from Amy Downey with regards to a section of the note verifying terms of prepayment - Seller-04/02/2025 Ready for Review-Document Uploaded. Commercial note indication prepayment terms on line 6 - Seller-04/01/2025 |
Resolved-prepay for this loan is built into the Note. There is no prepayment rider to the mortgage. - Due Diligence Vendor-04/03/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3732710 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FCOM1351 | 2025-03-31 13:52 | 2025-04-02 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Per seller, "It looks like our attorneys had it signed under commercial guarantee. The language is the same. Borrower personality guarantees." - Seller-04/01/2025 Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guaranty Agreement - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. Per seller, "It looks like our attorneys had it signed under commercial guarantee. The language is the same. Borrower personality guarantees." - Seller-04/01/2025 |
Resolved-Received Guaranty Agreement - Due Diligence Vendor-04/02/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3732809 | |
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FCRE0070 | 2025-03-31 13:04 | 2025-04-02 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/01/2025 Open-Missing Approval/Underwriting Summary Missing 1008 - Due Diligence Vendor-03/31/2025 |
Resolved-Received 1008 - Due Diligence Vendor-04/02/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3732199 | ||
| XXXX | XXXX | 9091828 | D | A | D | A | A | A | D | A | Closed | FPRO1255 | 2025-03-31 12:23 | 2025-04-02 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/01/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing HOA Questionnaire - Due Diligence Vendor-03/31/2025 |
Resolved-Received HOA Questionnaire - Due Diligence Vendor-04/02/2025 |
Months Reserves exceed minimum required - 161 months PITIA reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying credit score 776; minimum required 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3731680 | ||
| XXXX | XXXX | 9091817 | D | B | D | B | A | A | A | A | Closed | FCRE1491 | 2025-03-31 18:54 | 2025-04-24 12:38 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Client provided a waiver for Non-arm's length and Gift Funds, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Exception request and approval - Buyer-04/22/2025 Open-Asset Qualification Does Not Meet Guideline Requirements DSCR Investment Purchase, seller is borrower's aunt that gifted $15k not on Closing Disclosure as an Interested party contribution. Exception not found. - Due Diligence Vendor-03/31/2025 |
Waived-Client provided a waiver for Non-arm's length and Gift Funds, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2025 |
Months Reserves exceed minimum required - Reserves: 36 Min 3 Qualifying FICO score is at least 20 points above minimum for program - FICO: 798 Min 720 |
There will be an Exception LLPA hit of ____.25 __ that will apply for this specific exception. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3735795 | |
| XXXX | XXXX | 9091817 | D | B | D | B | A | A | A | A | Closed | FCRE1248 | 2025-03-31 18:29 | 2025-04-24 12:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Client provided a waiver for Non-arm's length and Gift Funds, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. Exception request and approval - Buyer-04/22/2025 Open-Non-Arm's Length Transactions Not Allowed for Program Ineligible transaction, not permitted on investment properties (G/L 3.6.1] Seller is borrower's aunt & gift borrower $15k for purchase; per appraisal subject was not openly listed for sale and occupancy is Owner. Exception not found. - Due Diligence Vendor-03/31/2025 |
Waived-Client provided a waiver for Non-arm's length and Gift Funds, applied to non material finding with comp factors - Due Diligence Vendor-04/24/2025 |
Months Reserves exceed minimum required - Reserves: 36 Min 3 Qualifying FICO score is at least 20 points above minimum for program - FICO: 798 Min 720 |
There will be an Exception LLPA hit of ____.25 __ that will apply for this specific exception. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3735693 | |
| XXXX | XXXX | 9091817 | D | B | D | B | A | A | A | A | Closed | FCRE2244 | 2025-03-31 18:32 | 2025-04-21 11:21 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received revised appraisal reflecting 3 stories. The $15k gift funds were deposited into the borrowers account. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Supporting Docs Uploaded - Buyer-04/17/2025 Open-Property Issues are identified for the property Reflects number of stories as 1; however, based on the project photos subject appears to be 3 stories, ground level/parking/garage and 2 upper residential floors. Clarification and/or commentary not found. Closing Disclosure did not included the $15,000 gift funds from seller. - Due Diligence Vendor-03/31/2025 |
Resolved-Received revised appraisal reflecting 3 stories. The $15k gift funds were deposited into the borrowers account. - Due Diligence Vendor-04/21/2025 |
Months Reserves exceed minimum required - Reserves: 36 Min 3 Qualifying FICO score is at least 20 points above minimum for program - FICO: 798 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3735715 | ||
| XXXX | XXXX | 9091817 | D | B | D | B | A | A | A | A | Closed | FCRE0043 | 2025-03-31 18:57 | 2025-04-21 11:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. DSCR Calculation Uploaded - Seller-04/17/2025 Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing DSCR ratio - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. DSCR Calculation Uploaded - Seller-04/17/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-04/21/2025 |
Months Reserves exceed minimum required - Reserves: 36 Min 3 Qualifying FICO score is at least 20 points above minimum for program - FICO: 798 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3735806 | |
| XXXX | XXXX | 9091823 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-04-01 14:39 | 2025-04-04 11:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received originators re tax calculations. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Diligence Tax condition - Buyer-04/03/2025 Open-Missing Evidence of Property Tax Missing tax worksheet to support the qualifying monthly amount used to qualify borrower. - Due Diligence Vendor-04/01/2025 |
Resolved-Received originators re tax calculations. - Due Diligence Vendor-04/04/2025 |
LTV is less than guideline maximum - LTV: 65% Max 70% Qualifying FICO score is at least 20 points above minimum for program - FICO: 776 Min 720 Months Reserves exceed minimum required - Reserves: 146 Min 3 (34 Months with own funds) |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3744535 | ||
| XXXX | XXXX | 9091812 | D | A | D | A | A | A | D | A | Closed | FPRO1253 | 2025-04-03 11:09 | 2025-04-25 12:18 | Resolved | 1 - Information | D | A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Field review provided supporting value. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. "The Field Review came in for the Yidios file. No change in value. The attached field review and updated 1003/1008" - Seller-04/21/2025 Counter-Please provide the Field Review as it was not located in the loan file. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. This is a CDA, only the field review has to be within 10% of the appraised value - Seller-04/03/2025 Counter-Desk Review provided does not support the appraised value within 10%. Please provide a Field Review. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/03/2025 Open-The purchase price is not a valuation product; therefore, the tolerance must be within 10% of the valuation product. A field review is required to support the value. - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. "The Field Review came in for the Yidios file. No change in value. The attached field review and updated 1003/1008" - Seller-04/21/2025 Ready for Review-Document Uploaded. This is a CDA, only the field review has to be within 10% of the appraised value - Seller-04/03/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/03/2025 |
Resolved-Field review provided supporting value. - Due Diligence Vendor-04/21/2025 |
Long term residence - 5 years at current residence Months Reserves exceed minimum required - 10 months reserves exceeds 3 months required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3772857 | |
| XXXX | XXXX | 9091812 | D | A | D | A | A | A | D | A | Closed | FCRE1198 | 2025-04-01 16:53 | 2025-04-21 16:40 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Operating agreement provided confirming 100% ownership. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/21/2025 Counter-Please provide documentation to support the ownership % for XXXX. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. Bank Statements along with the letter from the closing attorney holding the $100k for the purchase along with the refi stmt from XXXX that provided the proceeds to the client/ escrow holdback from the attorney. - Seller-04/11/2025 Counter-Please provide ownership % for XXXX and evidence of the $100k being held in escrow. Please provide documentation to support a balance of $90,126.13 in 4205. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/03/2025 Counter-LOE regarding source of deposits and Asset Worksheet provided, however we are missing the bank statements. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Supporting docs including UW comments regarding assets - Seller-04/02/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) File does not contain asset documentation - Due Diligence Vendor-04/01/2025 |
Ready for Review-Document Uploaded. supporting docs - Seller-04/21/2025 Ready for Review-Document Uploaded. Bank Statements along with the letter from the closing attorney holding the $100k for the purchase along with the refi stmt from December that provided the proceeds to the client/ escrow holdback from the attorney. - Seller-04/11/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/03/2025 Ready for Review-Document Uploaded. Supporting docs including UW comments regarding assets - Seller-04/02/2025 |
Resolved-Operating agreement provided confirming 100% ownership. - Due Diligence Vendor-04/21/2025 |
Long term residence - 5 years at current residence Months Reserves exceed minimum required - 10 months reserves exceeds 3 months required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3746210 | |
| XXXX | XXXX | 9091812 | D | A | D | A | A | A | D | A | Closed | FCRE9501 | 2025-04-01 16:39 | 2025-04-14 13:23 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. Bank Statements along with the letter from the closing attorney holding the $100k for the purchase along with the refi stmt from December that provided the proceeds to the client/ escrow holdback from the attorney. - Seller-04/11/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/03/2025 Counter-LOE regarding source of deposits and Asset Worksheet provided, however we are missing the bank statements. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. supporting docs with UW explanation in file addressing assets - Buyer-04/02/2025 Open-Total Qualified Assets Post-Close amount is '$-140448.29'. Assets are Insufficient. Missing asset verification - Due Diligence Vendor-04/01/2025 |
Ready for Review-Document Uploaded. Bank Statements along with the letter from the closing attorney holding the $100k for the purchase along with the refi stmt from XXXX that provided the proceeds to the client/ escrow holdback from the attorney. - Seller-04/11/2025 |
Resolved-Total Qualified Assets Post-Close are greater than $0. - Due Diligence Vendor-04/14/2025 |
Long term residence - 5 years at current residence Months Reserves exceed minimum required - 10 months reserves exceeds 3 months required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3746043 | |
| XXXX | XXXX | 9091812 | D | A | D | A | A | A | D | A | Closed | FCRE8887 | 2025-03-31 08:13 | 2025-04-07 12:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/03/2025 Counter-Document was not attached, please re-upload. - Due Diligence Vendor-04/03/2025 Ready for Review-supporting docs - Buyer-04/02/2025 Open-Missing final 1003 - Due Diligence Vendor-04/01/2025 |
Resolved-Received 1003. - Due Diligence Vendor-04/07/2025 |
Long term residence - 5 years at current residence Months Reserves exceed minimum required - 10 months reserves exceeds 3 months required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3728516 | ||
| XXXX | XXXX | 9091812 | D | A | D | A | A | A | D | A | Closed | FCRE0043 | 2025-04-01 16:43 | 2025-04-07 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Breakdown of PITIA is on this worksheet - Buyer-04/03/2025 Counter-DSCR UW memo provided, however it does not reflect the break down of the PITIA used in the calculation. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/02/2025 Open-The DSCR Calculation from lender is Missing. DSCR loans MUST have DSCR calculation - Due Diligence Vendor-04/01/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-04/07/2025 |
Long term residence - 5 years at current residence Months Reserves exceed minimum required - 10 months reserves exceeds 3 months required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3746109 | ||
| XXXX | XXXX | 9091821 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2025-04-03 14:38 | 2025-04-18 12:08 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/04/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing 1004D confirming installation of CO2/Smoke detectors per appraisal report. - Due Diligence Vendor-04/03/2025 |
Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully or partially present, or Not Applicable - Due Diligence Vendor-04/07/2025 |
Months Reserves exceed minimum required - Reserves: 62 Min 3 LTV is less than guideline maximum - LTV: 46.41% Max 75 [5% reduction for declining market] DSCR % greater than 1.20 - DSCR: 1.616 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3776689 | ||
| XXXX | XXXX | 9091821 | D | A | D | A | A | A | C | A | Closed | FCRE8712 | 2025-04-03 14:23 | 2025-04-07 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Per Lender, used 1007 lower value. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/04/2025 Open-Missing evidence of 3 months recent received from tenant required per guidelines to support using the higher of actual rent versus using market rent, with subject tenant occupied. - Due Diligence Vendor-04/03/2025 |
Resolved-Per Lender, used 1007 lower value. - Due Diligence Vendor-04/07/2025 |
Months Reserves exceed minimum required - Reserves: 62 Min 3 LTV is less than guideline maximum - LTV: 46.41% Max 75 [5% reduction for declining market] DSCR % greater than 1.20 - DSCR: 1.616 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3776455 | ||
| XXXX | XXXX | 9091821 | D | A | D | A | A | A | C | A | Closed | FCRE8701 | 2025-04-03 14:22 | 2025-04-07 13:49 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity documentation. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/04/2025 Open-The Business Entity Formation Document is Missing Missing corporate documents, including, but not limited to Articles of Incorporation, Operating Agreement, Formation, Department of Corporations Active/Good Standing, Borrowing Certification, EIN for the following business: DEL VALLE REAL ESTATE LLC. Other findings may apply upon review of missing documents. - Due Diligence Vendor-04/03/2025 |
Resolved-Received Business Entity documentation. - Due Diligence Vendor-04/07/2025 |
Months Reserves exceed minimum required - Reserves: 62 Min 3 LTV is less than guideline maximum - LTV: 46.41% Max 75 [5% reduction for declining market] DSCR % greater than 1.20 - DSCR: 1.616 Min 1 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3776442 | ||
| XXXX | XXXX | 9081733 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-04-04 09:30 | 2025-04-07 12:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received fraud report and supporting clearance through XXXX and XXXX. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/04/2025 Open-Missing Third Party Fraud Report Fraud Report Missing. - Due Diligence Vendor-04/04/2025 |
Resolved-Received fraud report and supporting clearance through XXXX and XXXX. - Due Diligence Vendor-04/07/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 720; qualifying FICO is 804. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 61.53 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3782829 | ||
| XXXX | XXXX | 9111449 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9081701 | D | A | D | A | A | A | A | A | Closed | FPRO9999 | 2025-04-07 09:46 | 2025-04-16 13:36 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-Received email from HOA confirming there is no pending litigation at this time. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. No Litigation - Buyer-04/14/2025 Counter-Please have HOA confirm no pending litigation. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/10/2025 Counter-The letter is stating thee is no "insurance claim". We need proof the litigation. Provide a letter from an Attny or HOA stating there is no litigation as HOA cert in file states there is litigation. If there is in fact open litigation, then provide proof of the amount and budget to ensure there is sufficient reserves since the insurance company has not such claim. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/08/2025 Open-The condo questionnaire indicates open litigation. The file contains insurance letter pg 306 and emails in reference to a slip and fall pgs. 306-308 The email indicates that this is still under investigation. LOX from insurance indicating it is an insurance claim but no actual dollar amount was given and does not state whether insurance will fully cover. - Due Diligence Vendor-04/07/2025 |
Resolved-Received email from HOA confirming there is no pending litigation at this time. - Due Diligence Vendor-04/16/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 779 Months Reserves exceed minimum required - Min 3 months, actual 99.75 months LTV is less than guideline maximum - Max 80%, actual 70% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3794207 | ||
| XXXX | XXXX | 9081701 | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2025-04-07 08:42 | 2025-04-09 14:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Validation Resolved - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/08/2025 Open-Loan Purpose is Purchase but Purchase Contract is Missing. No contract of sale in loan file - Due Diligence Vendor-04/07/2025 |
Resolved-Validation Resolved - Due Diligence Vendor-04/09/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 779 Months Reserves exceed minimum required - Min 3 months, actual 99.75 months LTV is less than guideline maximum - Max 80%, actual 70% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3793585 | ||
| XXXX | XXXX | 9119069 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9111442 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-04-08 05:19 | 2025-04-10 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/09/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/08/2025 |
Resolved-Received Fraud Report. - Due Diligence Vendor-04/10/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 753. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 108.06 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3803243 | ||
| XXXX | XXXX | 9111442 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-04-08 05:16 | 2025-04-10 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/09/2025 Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing. - Due Diligence Vendor-04/08/2025 |
Resolved-Received Hazard Insurance Policy - Due Diligence Vendor-04/10/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 753. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 108.06 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3803240 | ||
| XXXX | XXXX | 9100943 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9111427 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-08 16:11 | 2025-04-11 12:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/09/2025 Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation from lender. - Due Diligence Vendor-04/08/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-04/11/2025 |
Months Reserves exceed minimum required - 116 months reserves; 3 months reserves required. Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 784; guidelines require 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3811283 | ||
| XXXX | XXXX | 9091803 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9111432 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-09 16:48 | 2025-05-02 15:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Approval provided. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. supporting docs - Seller-04/11/2025 Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. supporting docs - Seller-04/11/2025 |
Resolved-Approval provided. - Due Diligence Vendor-04/14/2025 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822284 | |
| XXXX | XXXX | 9111432 | D | A | D | A | A | A | A | A | Closed | FCRE1440 | 2025-04-09 16:30 | 2025-05-02 14:59 | Resolved | 1 - Information | C | A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received statements. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Please see January and February's statement as per your request, thank you. - Seller-04/29/2025 Counter-Received Statement and LOE for the primary residence. Please provide the Jan and Feb payment for the primary residence. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. Please see mortgage statement as well as Letter of Explanation. Thank you. - Seller-04/24/2025 Counter-Please provide the payment history for the Primary Residence. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. As requested, please refer to first page of Credit Report for full listing of Borrower's address. I've attached a snippet as well. Thank you. - Seller-04/21/2025 Counter-Revised Application provided. Please provide the payment history for the Primary Residence as required by the guidelines. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. Please see attached application with the correct address of our guarantor, matching the general authorization as well as his Driver License. There was a system error with the initial application uploaded. - Seller-04/14/2025 Open-Housing History Does Not Meet Guideline Requirements Missing evidence of most recent 12 months primary housing payment history. Although loan application reflects a primary residence, the Real Estate Owned/with associated creditors is not present. - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. Please see January and February's statement as per your request, thank you. - Seller-04/29/2025 Ready for Review-Document Uploaded. Please see mortgage statement as well as Letter of Explanation. Thank you. - Seller-04/24/2025 Ready for Review-Document Uploaded. As requested, please refer to first page of Credit Report for full listing of Borrower's address. I've attached a snippet as well. Thank you. - Seller-04/21/2025 Ready for Review-Document Uploaded. Please see attached application with the correct address of our guarantor, matching the general authorization as well as his Driver License. There was a system error with the initial application uploaded. - Seller-04/14/2025 |
Resolved-Received statements. - Due Diligence Vendor-04/30/2025 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822087 | |
| XXXX | XXXX | 9111432 | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-04-09 16:13 | 2025-05-02 14:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax cert - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. proof of property taxes - Seller-04/10/2025 Open-Missing Evidence of Property Tax Missing lender calculation worksheet used to formulate the qualifying property taxes. - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. proof of property taxes - Seller-04/10/2025 |
Resolved-Received property tax cert - Due Diligence Vendor-04/11/2025 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3821867 | |
| XXXX | XXXX | 9111432 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-09 16:44 | 2025-04-11 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calc - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Please see DSCR Calculation - Buyer-04/10/2025 Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/09/2025 |
Resolved-Received DSCR Calc - Due Diligence Vendor-04/11/2025 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822237 | ||
| XXXX | XXXX | 9111432 | D | A | D | A | A | A | A | A | Closed | FCRE0700 | 2025-04-09 16:28 | 2025-04-11 12:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received final settlement statement - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Final HUD - Seller-04/10/2025 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing Final Settlement Statement and/or Closing Disclosure; document in loan file states "Estimated" - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. Final HUD - Seller-04/10/2025 |
Resolved-Received final settlement statement - Due Diligence Vendor-04/11/2025 |
Months Reserves exceed minimum required - Reserves: 20 Min 6 Qualifying FICO score is at least 20 points above minimum for program - FICO: 751 Min 720 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3822050 | |
| XXXX | XXXX | 9125153 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-09 20:10 | 2025-04-14 12:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calculation - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/11/2025 Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/10/2025 |
Resolved-Received DSCR Calculation - Due Diligence Vendor-04/14/2025 |
Months Reserves exceed minimum required - Reserves: 28 Min 12 LTV is less than guideline maximum - LTV: 65 Max 75 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3823598 | ||
| XXXX | XXXX | 9100937 | D | A | D | A | A | A | C | A | Closed | FPRO1136 | 2025-04-11 10:14 | 2025-04-16 16:13 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received final inspection - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. Final Inspection - Buyer-04/15/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not Present Missing Appraisal Update/Completion Report. - Due Diligence Vendor-04/11/2025 |
Resolved-Received final inspection - Due Diligence Vendor-04/16/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 3.93 months. Long term residence - Borrower at primary residence for 32 years 2 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3839173 | ||
| XXXX | XXXX | 9100937 | D | A | D | A | A | A | C | A | Closed | FPRO1245 | 2025-04-11 10:14 | 2025-04-16 16:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received recert of value - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/15/2025 Open-Primary Value Appraisal is Expired Primary Appraisal 8/28/24. - Due Diligence Vendor-04/11/2025 |
Resolved-Received recert of value - Due Diligence Vendor-04/16/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 3.93 months. Long term residence - Borrower at primary residence for 32 years 2 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3839172 | ||
| XXXX | XXXX | 9119058 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9056944 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-04-12 18:52 | 2025-05-02 12:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-05/01/2025 Counter-Signed and initialed Business Purpose & Occupancy Affidavit provided, however the box was not checked next to the initial. Finding Remains. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/28/2025 Counter-Signed and initialed Business Purpose & Occupancy Affidavit provided, however the box was not checked next to the initial. Finding Remains. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/16/2025 Open-The Business Purpose Affidavit Disclosure is Missing Missing Business Purpose Affidavit Disclosure - Due Diligence Vendor-04/12/2025 |
Resolved-Received business purpose affidavit. - Due Diligence Vendor-05/02/2025 |
Long term residence - 10 Years Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 756; guidelines require 700. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3849595 | ||
| XXXX | XXXX | 9081732 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-04-14 10:47 | 2025-04-17 14:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received HOI. - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 720. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 291.39 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3855173 | ||
| XXXX | XXXX | 9081732 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-14 11:14 | 2025-04-17 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Approval/Underwriting Summary Missing Final 1008. - Due Diligence Vendor-04/14/2025 |
Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 720. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 291.39 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3855722 | ||
| XXXX | XXXX | 9081732 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-14 11:13 | 2025-04-17 13:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-The DSCR Calculation from lender is Missing. DSCR Calculation is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 720. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 291.39 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3855546 | ||
| XXXX | XXXX | 9081717 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-14 08:38 | 2025-04-23 13:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Approval/Underwriting Summary Final 1008 is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received 1008. - Due Diligence Vendor-04/18/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 94.43 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3853385 | ||
| XXXX | XXXX | 9081717 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-14 08:36 | 2025-04-18 09:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR Calc. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-The DSCR Calculation from lender is Missing. DSCR Calc is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received DSCR Calc. - Due Diligence Vendor-04/18/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 94.43 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3853365 | ||
| XXXX | XXXX | 9081717 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-04-14 08:19 | 2025-04-18 08:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-04/14/2025 |
Resolved-Received HOI. - Due Diligence Vendor-04/18/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 94.43 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3853274 | ||
| XXXX | XXXX | 9081729 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-14 06:44 | 2025-04-17 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Approval/Underwriting Summary Missing Final 1008. - Due Diligence Vendor-04/14/2025 |
Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 260.72 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3852766 | ||
| XXXX | XXXX | 9081729 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-14 06:41 | 2025-04-17 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-The DSCR Calculation from lender is Missing. DSCR Calculation is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 260.72 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3852743 | ||
| XXXX | XXXX | 9081729 | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-04-14 06:34 | 2025-04-17 11:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Hazard Insurance Policy Hazard Insurance Policy is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received HOI - Due Diligence Vendor-04/17/2025 |
Long term residence - Borrowers have lived at current primary 5+ years. Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 260.72 months. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3852726 | ||
| XXXX | XXXX | 9081750 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-14 05:24 | 2025-04-17 11:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-Missing Approval/Underwriting Summary Final 1008 is missing. - Due Diligence Vendor-04/14/2025 |
Resolved-Received 1008. - Due Diligence Vendor-04/17/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 273.22 months. Long term residence - Borrower has lived at current primary 5+ years. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3852433 | ||
| XXXX | XXXX | 9081750 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-14 05:22 | 2025-04-17 11:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Doc Uploaded - Buyer-04/16/2025 Open-The DSCR Calculation from lender is Missing. DSCR Calculation is missing and 1008 is not present. - Due Diligence Vendor-04/14/2025 |
Resolved-Received DSCR calc. - Due Diligence Vendor-04/17/2025 |
Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 273.22 months. Long term residence - Borrower has lived at current primary 5+ years. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3852429 | ||
| XXXX | XXXX | 9119046 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-14 12:22 | 2025-04-16 13:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received Calculation - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. DSCR - Buyer-04/15/2025 Open-The DSCR Calculation from lender is Missing. Missing lender's DSCR Calculation Worksheet or 1008 showing calculation - Due Diligence Vendor-04/14/2025 |
Resolved-Received Calculation - Due Diligence Vendor-04/16/2025 |
LTV is less than guideline maximum - LTV: 64.50% Max 70 Qualifying FICO score is at least 20 points above minimum for program - FICO: 754 Min 720 Months Reserves exceed minimum required - Reserves: 101 Min 3 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3856564 | ||
| XXXX | XXXX | 9119046 | D | A | D | A | A | A | A | A | Closed | FCRE0070 | 2025-04-14 12:25 | 2025-04-16 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided (3) | Resolved-Received 1008 - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. 1008 - Transmittal - Buyer-04/15/2025 Open-Missing Approval/Underwriting Summary Missing Underwriting Transmittal Summary form 1008 - Due Diligence Vendor-04/14/2025 |
Resolved-Received 1008 - Due Diligence Vendor-04/16/2025 |
LTV is less than guideline maximum - LTV: 64.50% Max 70 Qualifying FICO score is at least 20 points above minimum for program - FICO: 754 Min 720 Months Reserves exceed minimum required - Reserves: 101 Min 3 |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3856597 | ||
| XXXX | XXXX | 9091792 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9111457 | C | A | C | A | A | A | A | A | Closed | FCRE0109 | 2025-04-15 09:01 | 2025-04-18 15:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received acceptable photo ID for both borrower and non borrower. - Due Diligence Vendor-04/18/2025 Counter-USA Patriot Identification form must be completed and signed along with copies of ID considered. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. The passports are not expired - Buyer-04/17/2025 Counter-Identity affidavit provided, however the drivers license or identification card is expired. Finding remains. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. The Patriot Act disclosure is provided to the borrower in the initial disclosures package and then the closing package will include the identity affidavit that is signed by the borrower and notarized. - Buyer-04/15/2025 Open-Missing Disclosure - Patriot Act Borrower Identification Form. Must be completed with docs used and signed - Due Diligence Vendor-04/15/2025 |
Resolved-Received acceptable photo ID for both borrower and non borrower. - Due Diligence Vendor-04/18/2025 |
Months Reserves exceed minimum required - 81 months reserves documented, 9 months required Qualifying FICO score is at least 20 points above minimum for program - 760FICO, 700 required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3865359 | ||
| XXXX | XXXX | 9119056 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9125161 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-21 09:13 | 2025-05-05 13:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Corrected DSCR calc provided. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. DSCR CALC - Buyer-05/05/2025 Counter-Calculation provided, however loan amount is incorrect. Please provide a calculation with correct PITIA. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. DSCR calculator - Seller-04/30/2025 Open-The DSCR Calculation from lender is Missing. Missing DSCR Calculation from lender for 4901 subject. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. DSCR calculator - Seller-04/30/2025 |
Resolved-Corrected DSCR calc provided. - Due Diligence Vendor-05/05/2025 |
Months Reserves exceed minimum required - 34 months reserves; 3 months reserves required. On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3912945 | |
| XXXX | XXXX | 9125161 | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-04-29 17:30 | 2025-05-05 13:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025 Ready for Review-Background report uploaded as batch condition doc. Attaching to condition results in error opening. - Buyer-05/05/2025 Ready for Review-Document Uploaded. Background_report - Seller-05/05/2025 Counter-Please provide the Full Fraud Report with cleared alerts all loan participants. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Fraud report - Seller-04/30/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Background_report - Seller-05/05/2025 Ready for Review-Document Uploaded. Fraud report - Seller-04/30/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/05/2025 |
Months Reserves exceed minimum required - 34 months reserves; 3 months reserves required. On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3998632 | |
| XXXX | XXXX | 9125161 | D | A | D | A | A | A | A | A | Closed | FCRE8887 | 2025-04-29 17:17 | 2025-05-01 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received application - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. Full App - Buyer-04/30/2025 Open-Missing Application. - Due Diligence Vendor-04/30/2025 |
Resolved-Received application - Due Diligence Vendor-05/01/2025 |
Months Reserves exceed minimum required - 34 months reserves; 3 months reserves required. On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3998545 | ||
| XXXX | XXXX | 9125161 | D | A | D | A | A | A | A | A | Closed | FCRE0109 | 2025-04-21 09:13 | 2025-04-30 10:29 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Disclosure - Patriot Act Borrower Identification Form | Resolved-Received unexpired copy of DL - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Unexpired DL - Seller-04/30/2025 Open-Missing Disclosure - Patriot Act Borrower Identification Form. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Unexpired DL - Seller-04/30/2025 |
Resolved-Received unexpired copy of DL - Due Diligence Vendor-04/30/2025 |
Months Reserves exceed minimum required - 34 months reserves; 3 months reserves required. On time mortgage history exceeds guideline requirement - Mortgage History 0x30x12. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3912946 | |
| XXXX | XXXX | 9091798 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9119054 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-04-21 10:34 | 2025-04-25 13:07 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Received Certificate of Organization and Deed. Subject is now vested in the name of the Borrower as a Individual. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Supporting Doc Uploaded - Buyer-04/23/2025 Counter-Received Warranty Deed -missing LLC documentation confirm ownership. Operating Agreement confirming borrowers ownership in LLC. Additional conditions may apply - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. Deed - Buyer-04/21/2025 Open-Property Title Issue title held in an LLC. No Documentation on the LLC - Due Diligence Vendor-04/21/2025 |
Resolved-Received Certificate of Organization and Deed. Subject is now vested in the name of the Borrower as a Individual. - Due Diligence Vendor-04/25/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 728; guidelines require 700. Months Reserves exceed minimum required - 730 months reserves; 6 months reserves required. |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3914056 | ||
| XXXX | XXXX | 9119055 | C | B | C | B | A | A | A | A | Closed | FCRE1441 | 2025-04-21 10:27 | 2025-05-02 12:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) XXXXi exception not showing on file. - Due Diligence Vendor-04/21/2025 Open-Delinquent Credit History Does Not Meet Guideline Requirements Client exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) - Due Diligence Vendor-04/21/2025 |
Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Lender approved exception with comp factors) Eresi exception not showing on file. - Due Diligence Vendor-04/21/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 728 Months Reserves exceed minimum required - Min 3 months, actual 743.26 months |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 3913957 | |||
| XXXX | XXXX | 9119055 | C | B | C | B | A | A | A | A | Closed | FCRE0108 | 2025-04-18 17:25 | 2025-04-23 10:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Fidelity Coverage not met | Resolved-Confirmation from insurance company of $1MM fidelity bond insurance. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. Ins agent verifying fidelity and crime coverage of 1m - Buyer-04/22/2025 Open-Fidelity Coverage not met. Coverage not reflected on policy - Due Diligence Vendor-04/18/2025 |
Resolved-Confirmation from insurance company of $1MM fidelity bond insurance. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 728 Months Reserves exceed minimum required - Min 3 months, actual 743.26 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3906614 | ||
| XXXX | XXXX | 9119055 | C | B | C | B | A | A | A | A | Closed | FCRE2244 | 2025-04-18 17:26 | 2025-04-23 10:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-refrigerator not required. - Due Diligence Vendor-04/23/2025 Open-Property Issues are identified for the property Kitchen does not have a refrigerator - Due Diligence Vendor-04/18/2025 |
Resolved-refrigerator not required. - Due Diligence Vendor-04/23/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Min 700, actual 728 Months Reserves exceed minimum required - Min 3 months, actual 743.26 months |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 3906622 | |||
| XXXX | XXXX | 9119043 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9125160 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9119036 | D | A | D | A | A | A | A | A | Closed | FCRE9996 | 2025-04-23 08:13 | 2025-04-30 13:05 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo does not meet requirements | Resolved-The condo is FNMA approved and warrantable. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/25/2025 Open-The maximum investor concentration in project is 60%. Total units 36 and N/O/O and rented units are 23 which results in a 63.88% investor concentration - Due Diligence Vendor-04/23/2025 |
Resolved-The condo is XXXX approved and warrantable. - Due Diligence Vendor-04/30/2025 |
Months Reserves exceed minimum required - Min 3 months, actual 68.96 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3935688 | ||
| XXXX | XXXX | 9119036 | D | A | D | A | A | A | A | A | Closed | FCRE1510 | 2025-04-23 09:01 | 2025-04-28 12:13 | Resolved | 1 - Information | C | A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/25/2025 Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-04/23/2025 |
Resolved-Received Mortgage w/Legal - Due Diligence Vendor-04/28/2025 |
Months Reserves exceed minimum required - Min 3 months, actual 68.96 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3936126 | ||
| XXXX | XXXX | 9119036 | D | A | D | A | A | A | A | A | Closed | FCOM1352 | 2025-04-23 06:45 | 2025-04-28 12:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/25/2025 Open-The Business Purpose Affidavit Disclosure is Missing Not in loan file. Additionally, no occupancy cert in file - Due Diligence Vendor-04/23/2025 |
Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-04/28/2025 |
Months Reserves exceed minimum required - Min 3 months, actual 68.96 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3935096 | ||
| XXXX | XXXX | 9125165 | C | A | C | A | A | A | A | A | Closed | FCRE1148 | 2025-04-22 21:37 | 2025-04-25 13:58 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title commitment confirming sufficient coverage. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. LOAN POLICY - Buyer-04/24/2025 Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Loan amount is XXXX, title coverage is only XXXX which is not sufficient - Due Diligence Vendor-04/23/2025 |
Resolved-Received title commitment confirming sufficient coverage. - Due Diligence Vendor-04/25/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 721 Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 28.14 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3933020 | ||
| XXXX | XXXX | 9119039 | C | A | C | A | A | A | A | A | Closed | FCRE8701 | 2025-04-23 11:46 | 2025-05-06 09:30 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. See attached EIN, Operating Agreement, Articles of Corp. It appears we are missing the Cert of Good Standing which we are working on obtaining - Buyer-05/05/2025 Open-The Business Entity Formation Document is Missing Property is vested in a LLC-LLC documentation is required. (Entity Articles of Organization, Operating Agreements, Tax Identification Number, Certificate of Good Standing) - Due Diligence Vendor-04/23/2025 |
Resolved-Received Business Entity Formation Documentation - Due Diligence Vendor-05/06/2025 |
Months Reserves exceed minimum required - 1019 months reserves documented, 3 months required. LTV is less than guideline maximum - 70% LTV, program allows 75% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3939081 | ||
| XXXX | XXXX | 9119040 | C | A | C | A | A | A | A | A | Closed | FCRE8701 | 2025-04-23 12:56 | 2025-04-25 14:15 | Resolved | 1 - Information | C | A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/24/2025 Open-The Business Entity Formation Document is Missing Property is vested in a LLC-LLC documentation is required. (Entity Articles of Organization, Operating Agreements, Tax Identification Number, Certificate of Good Standing) - Due Diligence Vendor-04/23/2025 |
Resolved-Received Business Entity Documentation. - Due Diligence Vendor-04/25/2025 |
LTV is less than guideline maximum - 70% LTV, program allows 75% Months Reserves exceed minimum required - 1053 months reserves documented, 3 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3940073 | ||
| XXXX | XXXX | 9125135 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-23 16:56 | 2025-04-29 13:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. supporting docs - Buyer-04/28/2025 Counter-DSCR calculation received is incorrect. Please correct PITIA for subject-use monthly HOI and RE Tax figures. (currently have annual) - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. DSCR_Calculator - Buyer-04/24/2025 Open-The DSCR Calculation from lender is Missing. - Due Diligence Vendor-04/23/2025 |
Resolved-Received DSCR calculation. - Due Diligence Vendor-04/29/2025 |
Months Reserves exceed minimum required - 118.28 mos reserves; 3 mos required Qualifying FICO score is at least 20 points above minimum for program - 757 FICO, 700 required Long term residence - 118 months reserves documented, 3 months required |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3944180 | ||
| XXXX | XXXX | 9119057 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9125129 | D | A | D | A | A | A | A | A | Closed | FPRO1255 | 2025-04-24 17:50 | 2025-04-29 14:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received CPM - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Supporting docs - Buyer-04/28/2025 Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. The HOA questionnaire is missing from the file - Due Diligence Vendor-04/24/2025 |
Resolved-Received CPM - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 795 Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 250.47 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3957354 | ||
| XXXX | XXXX | 9125129 | D | A | D | A | A | A | A | A | Closed | FCRE0043 | 2025-04-24 18:20 | 2025-04-29 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | DSCR Calculation Missing | Resolved-Received DSCR calculation. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. DSCR Income - Buyer-04/28/2025 Open-The DSCR Calculation from lender is Missing. The DSCR calculation worksheet is missing from the file - Due Diligence Vendor-04/24/2025 |
Resolved-Received DSCR calculation. - Due Diligence Vendor-04/29/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 795 Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 250.47 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3957671 | ||
| XXXX | XXXX | 9130199 | B | B | B | B | A | A | A | A | Closed | FCRE1198 | 2025-04-29 09:58 | 2025-04-30 08:14 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client waiver applied to non material finding with comp factors. Non material due to less than 1 month short. - Due Diligence Vendor-04/30/2025 Open-Audited Reserves of 11.99 month(s) are less than Guideline Required Reserves of 12 month(s) Short assets/reserves amount of -$6.97 - Due Diligence Vendor-04/29/2025 |
Waived-Client waiver applied to non material finding with comp factors. Non material due to less than 1 month short. - Due Diligence Vendor-04/30/2025 |
DSCR % greater than 1.20 - DSCR is 1.869 LTV is less than guideline maximum - LTV ratio is 33.75% Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO Score is 786; guideline minimum is 700. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 3991491 | |||
| XXXX | XXXX | 9137758 | C | A | C | A | A | A | A | A | Closed | FCRE0105 | 2025-04-30 11:59 | 2025-05-02 11:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-The structural report was provided and acceptable. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. Inspection reports included in original upload, reuploaded - Seller-05/01/2025 Open-Subjectis missing required milestone inspection as required by XXXX XXXX. Subject Cert. of Occ was on or before XXXX, has a building with 3 or more stories and is : 1. 30 years of age - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. Inspection reports included in original upload, reuploaded - Seller-05/01/2025 |
Resolved-The structural report was provided and acceptable. - Due Diligence Vendor-05/02/2025 |
Months Reserves exceed minimum required - Verified assets of 62.15 exceeds the minimum required of 6 months On time mortgage history exceeds guideline requirement - Credit report reports on time mortgage history for last 29 months |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4005398 | |
| XXXX | XXXX | 9119077 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9137754 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9137816 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158364 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158530 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9158442 | C | A | C | A | A | A | A | A | Closed | FPRO9999 | 2025-05-15 14:33 | 2025-05-19 10:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Condo project has pending litigation | Resolved-Pending litigation against condo project. The amount of the liability is 50k. Lawyer cannot comment on the insurance coverage as there is no demand letter yet, however he feels it should e covered and should meet guidelines based on reserves - Due Diligence Vendor-05/19/2025 | Resolved-Pending litigation against condo project. The amount of the liability is 50k. Lawyer cannot comment on the insurance coverage as there is no demand letter yet, however he feels it should e covered and should meet guidelines based on reserves - Due Diligence Vendor-05/19/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 741 is more than 20 points higher than the guideline min of 660. LTV is less than guideline maximum - Qualifying LTV 55 is less than the guideline max of 70. |
ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4154344 | |||
| XXXX | XXXX | 9158580 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9156981 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9137938 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9137793 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158569 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158370 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158386 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | ||||||||||||||||||
| XXXX | XXXX | 9158509 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158503 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9137771 | D | A | D | A | A | A | A | A | Closed | FCRE0700 | 2025-05-23 07:28 | 2025-05-27 10:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Closing Detail Statement Document is Missing | Resolved-Received Settlement Statement - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Uploaded Final SS - Seller-05/23/2025 Open-Closing Detail Statement Document is Missing and subject property is an Investment property. Missing final CD / Settlement Statement. HUD-1 estimate was provided. - Due Diligence Vendor-05/23/2025 |
Ready for Review-Document Uploaded. Uploaded Final SS - Seller-05/23/2025 |
Resolved-Received Settlement Statement - Due Diligence Vendor-05/27/2025 |
Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 771, guideline minimum is 660. LTV is less than guideline maximum - The calculated LTV is 39.58%, guideline maximum is 75% |
XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4225415 | |
| XXXX | XXXX | 9158388 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9137738 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158512 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| XXXX | XXXX | 9158500 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |