Vista Point Assets LLC ABS-15G
Exhibit 99.1 - Schedule 1
| Loan ID | Seller Loan ID | Investor Loan 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 |
| 15106488 | xxx | xxx | D | B | A | A | C | B | D | B | Closed | FPRO4876 | 2025-01-27 11:04 | 2025-02-24 15:14 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of xxx xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-01/30/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-01/27/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-01/30/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 17457029 | xxx | xxx | D | B | A | A | C | A | D | B | Closed | FPRO4876 | 2025-02-19 05:09 | 2025-02-20 09:48 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. - Seller-02/20/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. "Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements." - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. - Seller-02/20/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 11894605 | xxx | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-02-21 10:37 | 2025-02-26 14:24 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-02/26/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.64 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 10800514 | xxx | xxx | D | B | D | A | A | A | C | B | Closed | FVAL3825 | 2025-02-21 15:49 | 2025-02-27 09:11 | Waived | 1 - Information | C | B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please note the appraisal completion date of xxx was after the xxx incidents in the xxx. As evidenced by the appraisal exterior and interior photos, the subject did not sustain any damages. Additionally, according to the attached xxx xxx xxx xxx xxx screenshot, the subject property was not located in a xxx activity zone. - Seller-02/26/2025 Open-Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. Please note the appraisal completion date of xxx was after the xxx incidents in the County. As evidenced by the appraisal exterior and interior photos, the subject did not sustain any damages. Additionally, according to the attached xxx xxx xxx xxx xxx screenshot, the subject property was not located in a xxx activity zone. - Seller-02/26/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 12484496 | xxx | xxx | D | B | A | A | C | A | D | B | Closed | FPRO4876 | 2025-02-24 14:19 | 2025-02-26 14:10 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. "Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements." - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. Not included on updated xxx list - Seller-02/26/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-02/26/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 19418350 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-24 16:10 | 2025-02-26 14:04 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. - Seller-02/26/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/26/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-02/26/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.97% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 11687486 | xxx | xxx | D | B | D | B | B | A | D | B | Closed | FPRO4876 | 2025-02-26 18:44 | 2025-03-03 18:07 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of immediate impact xxx.Ready for Review-not in impacted zipcode list - Buyer-02/27/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/26/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||||
| 13517996 | xxx | xxx | D | B | D | A | C | A | D | B | Closed | FPRO4876 | 2025-02-26 07:54 | 2025-03-05 12:06 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/05/2025 Ready for Review-The property was appraised on xxx after the xxxs in xxx xxx xxx . As evidenced by the photos, the property did not sustain any damages. - Seller-03/04/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/26/2025 |
Ready for Review-The property was appraised on xxx after the xxx in xxx xxx xxx . As evidenced by the photos, the property did not sustain any damages. - Seller-03/04/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 13787750 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-02-28 18:26 | 2025-03-05 10:54 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/05/2025 Ready for Review-Not in one of the zip code list - Buyer-03/04/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/03/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/05/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.58% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 17857054 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-04 09:01 | 2025-03-05 11:50 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/04/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/05/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.39% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxx | |
| 15656488 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-05 12:50 | 2025-03-06 11:10 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/05/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.41 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.44 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 75 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 11085715 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-04 10:05 | 2025-03-09 13:29 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/09/2025 Ready for Review-Document Uploaded. property not on our zip code list. see attached - Buyer-03/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/05/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 15101890 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-04 08:27 | 2025-03-12 13:28 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. The subject zip code is xxx, xxx xxx but not in xxx xxx - Seller-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. The subject zip code is xxx , xxx xxx but not in xxx xxx - Seller-03/11/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.95 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 19275161 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-05 15:31 | 2025-03-11 13:17 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. subject not on our zip code list - Buyer-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/05/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/11/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.16 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 19106400 | xxx | xxx | D | B | A | A | C | A | D | B | Closed | FPRO4876 | 2025-03-10 09:48 | 2025-03-11 11:52 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. subject not on our zip code list - Buyer-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/10/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/11/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.17 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 18646272 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-06 16:21 | 2025-03-11 13:16 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. subject property not on our zip code list - Buyer-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/06/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/11/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.41 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 19682940 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-06 19:16 | 2025-03-12 11:45 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Property not included in the updated xxx list. - Seller-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/07/2025 |
Ready for Review-Document Uploaded. Property not included in the updated xxx list. - Seller-03/11/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.11 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 14916597 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-11 09:57 | 2025-03-11 13:33 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/11/2025 Ready for Review-Per xxx.xxx the incident END date for xxx xxx xxx was xxx . The appraisal is dated after that -xxx. - Seller-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Per FEMA.gov the incident END date for xxx xxx xxx was xxx. The appraisal is dated after that - xxx. - Seller-03/11/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/11/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.06 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 48 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 58.23% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 29.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | xxx | ||
| 16356274 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-07 16:42 | 2025-03-13 12:09 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/13/2025 Ready for Review-I'm a bit confused. Our xxx is dated after the xxx.gov incident END DATE of xxx. The inspector states the property is sound structurally and no adverse environmental conditions. Why is our xxx not sufficient to clear this condition? The original condition was for a xxx-xxx xxx. - Seller-03/12/2025 Counter-xxx will accept an xxx from xxx xx xxx in lieu of the xxx provided the following is included in the assessment: xxx clearly identifies the subject property address - "Provides a damage assessment of “No Damage” and Includes a picture of the subject property. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Seller-03/11/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-03/07/2025 |
Ready for Review-I'm a bit confused. Our PDI is dated after the xxx.xxx incident END DATE of xxx. The inspector states the property is sound structurally and no adverse environmental conditions. Why is our PDI not sufficient to clear this condition? The original condition was for a Post-xxx xxx. - Seller-03/12/2025 Ready for Review-Document Uploaded. - Seller-03/11/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/13/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.62% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 13409524 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-17 15:55 | 2025-03-18 12:28 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Property not included in the xxx list. Appraisal Report Dated xxx - Seller-03/17/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. Property not included in the xxx list. Appraisal Report Dated xxx - Seller-03/17/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/18/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 14173634 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-18 08:48 | 2025-03-18 13:02 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/18/2025 Ready for Review-Per xxx.gov the incident end date for the xxx xxx was xxx. The appraisal is dated after that date, xxx. - Seller-03/18/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Per xxx the incident end date for the xxx xxx was xxx. The appraisal is dated after that date, xxx. - Seller-03/18/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/18/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.19 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 36.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No | xxx | ||
| 16971462 | xxx | xxx | D | B | A | A | D | A | D | B | Closed | FPRO4876 | 2025-03-24 11:06 | 2025-03-26 08:43 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Not on our zip code list - Buyer-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/24/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 10342337 | xxx | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-03-20 10:08 | 2025-03-26 09:52 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Not on our Zip Code List - Buyer-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/20/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.44 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 17701377 | xxx | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-03-24 11:06 | 2025-03-26 09:14 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Not on our Zip Code List - Buyer-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/24/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.03 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 12190440 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-20 12:22 | 2025-03-26 09:30 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Not on our Zip code list - Buyer-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/20/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.29 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |||
| 10159657 | xxx | xxx | D | B | A | A | C | B | D | B | Closed | FPRO4876 | 2025-03-25 14:55 | 2025-03-26 13:24 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Per xxx.gov the END DATE for the xxx xxx was xxx. Our appraisal effective date is xxx and does not state any damage. Please advise. - Seller-03/26/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Per xxx the END DATE for the xxx . xxx was xxx . Our appraisal effective date is xxx and does not state any damage. Please advise. - Seller-03/26/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Investor Post-Close | No | xxx | ||
| 12395857 | xxx | xxx | D | B | D | A | A | A | D | B | Closed | FPRO4876 | 2025-03-25 14:55 | 2025-03-26 12:23 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Seller-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/25/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.88 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 16387913 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-31 09:26 | 2025-04-01 11:51 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/01/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 41.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.34% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 18742671 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-31 09:27 | 2025-04-03 12:20 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/02/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. - Seller-04/02/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.44 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.45 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 12409278 | xxx | xxx | D | B | C | A | A | A | D | B | Closed | FPRO4876 | 2025-03-27 14:23 | 2025-03-31 12:25 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/31/2025 Ready for Review-Per xxx.gov the incident END date for this xxx was xxx. Our appraisal is dated after that date, xxx and does not state there is any damage. Please review and advise. Thank you. - Seller-03/31/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Per xxx the incident END date for this xxx was xxx . Our appraisal is dated after that date, xxx and does not state there is any damage. Please review and advise. Thank you. - Seller-03/31/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/31/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.06 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 19259837 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-31 09:28 | 2025-03-31 14:23 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/31/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/31/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.88 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 18207055 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-03-27 18:48 | 2025-03-31 14:48 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-03/31/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-03/27/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-03/31/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.52% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 17997247 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-03 13:35 | 2025-04-04 13:54 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/04/2025 Ready for Review-Per xxx, the incident END date for the xxx was xxx. The appraisals effective date is xxx and does not state any damage due to the xxxs. Can you please review and advise? Thank you. - Seller-04/04/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/03/2025 |
Ready for Review-Per xxx , the incident END date for the xxx was xxx. The appraisals effective date is xxx and does not state any damage due to the xxxs. Can you please review and advise? Thank you. - Seller-04/04/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.99% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.67 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 19491353 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-03 13:40 | 2025-04-04 10:06 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Property zipcode not on xxx list - Seller-04/03/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. Property zipcode not on xxx list - Seller-04/03/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/04/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 11229125 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-04 16:20 | 2025-04-07 14:35 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/04/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.22 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 10745069 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-07 09:31 | 2025-04-07 14:33 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 26.88% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 19162513 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-04 15:30 | 2025-04-07 14:34 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/04/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.33 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.82 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 11072523 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-07 09:34 | 2025-04-07 14:32 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.23 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 12624888 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-07 09:37 | 2025-04-07 14:31 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 11689920 | xxx | xxx | D | B | A | A | A | A | D | B | Closed | FPRO4876 | 2025-04-07 09:40 | 2025-04-07 14:37 | Waived | 1 - Information | D | B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. see attached. not on our zip code list - Buyer-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.25 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | ||
| 14462932 | xxx | xxx | C | B | A | A | A | A | C | B | Closed | FVAL3825 | 2025-04-04 12:58 | 2025-04-08 15:43 | Waived | 1 - Information | C | B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Property located outside of impact xxx per subject zip code and current xxx maps. xxx not required at this time. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Property is not near ca wildxxxs. - Seller-04/08/2025 Open-Property located in xxx designated xxx xxx. xxx-xxx xxx needed - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Property is not near xxx xxx . - Seller-04/08/2025 |
Acknowledged-Per investor directive, property located outside of impact xxx per subject zip code and current xxx maps. PDI not required at this time. - Due Diligence Vendor-04/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.01% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx | |
| 11033534 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | FCOM3715 | 2025-01-23 11:28 | 2025-02-21 06:42 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Note terms are incorrect | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please see attached copy of the corrected 1st payment letter, copy of corrected Note and tracking info for the ORIGINAL note to the Note Custodian. Please be advised, an amortization schedule did not print with this loan package. - Seller-02/20/2025 Ready for Review-The reason for the payment difference is because the Simple Interest box was checked when the docs were issued. Please have xxx advise on how they would like to proceed. Thank you, -- xxx xxx xxx , xxx xxx – xxx -xxx xxx - Seller-01/29/2025 Open-. P&I payment reflected on the note is $xxx however actual should reflect $xxx based on the loan terms and no correction doc was provided for the $xxx difference. - Due Diligence Vendor-01/24/2025 |
xxx @ xxx% payment should be $xxx . ---- Note payment of $xxx = interest rate of xxx % ----- this is irregular. To resolve: Corrected Note with payment amount of $xxx , first payment letter, amortization schedule. -- Please confirm your LOS system is using a xxx decimal point payment calculation rather than xxx decimal point. - 01/30/2025 Ready for Review-Document Uploaded. Please see attached copy of the corrected 1st payment letter, copy of corrected Note and tracking info for the ORIGINAL note to the Note Custodian. Please be advised, an amortization schedule did not print with this loan package. - Seller-02/20/2025 Ready for Review-The reason for the payment difference is because the Simple Interest box was checked when the docs were issued. Please have xxx advise on how they would like to proceed. Thank you, -- xxx xxx xxx , xxx xxx – xxx -xxx xxx - Seller-01/29/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/21/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | FVAL1310 | 2025-01-22 14:48 | 2025-02-10 13:34 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/10/2025 Ready for Review-Document Uploaded. - Seller-02/10/2025 Counter-a Search of the Condo Project provided however exception is stating that the Invoices reflect the borrower was charged for Lender questionnaire, meeting minutes and reserve report. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. - Seller-01/29/2025 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-01/27/2025 Open-HOA Questionnaire Document status is Missing. Provide Condo documentation as seen charged to the borrower. Invoices reflect the borrower was charged for Lender questionnaire, meeting minutes and reserve report. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. - Seller-02/10/2025 Ready for Review-Document Uploaded. - Seller-01/29/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3408 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Counter-xxx report provided fails to include charges paid to affiliate of lender in the High Cost Testing*****Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx . Violation $xxx. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. This loan is not High Cost but is an approved xxx/xxx xxx, see attached xxx. - Seller-01/29/2025 Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of xxx% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 Ready for Review-Document Uploaded. This loan is not High Cost but is an approved ATR/QM HPML, see attached xxx. - Seller-01/29/2025 |
Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3399 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-*****Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx . - Due Diligence Vendor-01/24/2025 Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3406 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within xxx days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Counter-Ø If the HC fail is due only to upxxx points & fees charged and the rate is within the threshold, and it’s address within xxx days of consummation OR within xxx days of the creditor’s discovery/notification… Lender can issue a restitution check to borrower to make them whole. If they also want a “clear CE Report”, then they will also need a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). But the PCCD is not required for resolution only the check is needed to make the loan satisfy the requirements of 15 U.S.C. 1631-1651. Thank you. - Due Diligence Vendor-02/04/2025 Ready for Review-if we add a lender credit accordingly, will that be sufficient to clear this condition? - Seller-02/03/2025 Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a xxx RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. *****Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx + Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx + Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 Ready for Review-if we add a lender credit accordingly, will that be sufficient to clear this condition? - Seller-02/03/2025 |
Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3393 | 2025-01-22 18:34 | 2025-02-07 11:15 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Ø an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-*****Per xxx: A creditor is required to count in points and fees any charges retained by the creditor, loan originator, or an affiliate. Fees included in High Cost Testing are: Administration Fee (Lender) xxx+ Title Insurance Policy (Affiliate) xxx + Points - Loan Discount (Lender) xxx+ Settlement or Closing Fee (Affiliate) + Endorsement (Affiliate) xxx = $xxx. Violation $xxx. - Due Diligence Vendor-01/24/2025 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds xxx percent of the total loan amount of $xxx; or The loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of xxx percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-01/22/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Resolved-xxx an unintentional violation or bona fide error due to points and fees charged, and the rate is within the threshold, addressed within 30 days of consummation. Lender issued a restitution check to borrower to make them whole, and a PCCD with the overage shown as a credit to a specific testing fee (ie: origination/broker fee/affiliate charge/etc). - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3632 | 2025-01-22 18:34 | 2025-02-07 11:12 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased: Endorsement Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3631 | 2025-01-22 18:34 | 2025-02-07 11:12 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The following charges have been either added or increased: Endorsement Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15810127 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3634 | 2025-01-22 18:34 | 2025-02-07 11:12 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 Ready for Review-Document Uploaded. - Seller-02/06/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The following charges have been either added or increased: Endorsement Fee (paid to affiliate) resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/06/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-02/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12756133 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-01-24 11:41 | 2025-02-27 09:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided for 1st Lien - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached Mortgage Statement confirming the 1st mortgage payment consist of PITIA. We ask this condition please be cleared - Seller-02/26/2025 Open-Provide current mortgage statement for subject 1st mortgage. Needed to verify what actual P&I on 1st mtg is. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. Please see attached Mortgage Statement confirming the 1st mortgage payment consist of PITIA. We ask this condition please be cleared - Seller-02/26/2025 |
Resolved-Mortgage statement provided for 1st Lien - Due Diligence Vendor-02/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.02% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.37 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12756133 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-01-23 09:58 | 2025-02-05 11:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2025 Ready for Review-Document Uploaded. Please see attached DataVerify report, pulled xxx, which was valid through Funding Date - Seller-02/04/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2025 |
Ready for Review-Document Uploaded. Please see attached xxx report, pulled xxx, which was valid through Funding Date - Seller-02/04/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.02% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.37 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15106488 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3634 | 2025-01-24 17:16 | 2025-02-24 15:14 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 Ready for Review-Please see comments on bottom of Page xxx , for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Counter-A xxx once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance xxx in the amount of $xxx . Please provide COC event details dated within xxx days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15106488 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3652 | 2025-01-24 17:16 | 2025-02-24 15:13 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Counter-A xxx once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. Cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. Please see attached CD which includes a $xxx xxx - Seller-01/29/2025 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Ready for Review-Please see comments on bottom of Page xxx , for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Ready for Review-Document Uploaded. Please see attached CD which includes a $xxx xxx - Seller-01/29/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15106488 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3631 | 2025-01-24 17:16 | 2025-02-21 08:50 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Counter-A xxx once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. Cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. Please see attached CD with the $xxx cure - Seller-01/29/2025 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance xxx in the amount of $xxx . Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Ready for Review-Document Uploaded. Please see attached CD with the $xxx xxx - Seller-01/29/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-02/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15106488 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3632 | 2025-01-24 17:16 | 2025-02-21 08:50 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Counter-Thank you. The trigger is that the xxx disclosed on xxx, was removed from the Final Closing Disclosure. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/05/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Counter-A cure once disclosed is a binding credit for the purposes of determining good faith. A later reduction to tolerance based fees is not a valid change of circumstance for a reduction or removal of a disclosed cure credit. xxx in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/30/2025 Ready for Review-Document Uploaded. Please see attached CD with a $xxx cure - Seller-01/29/2025 Open-The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/24/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-01/24/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/20/2025 Ready for Review-Please see comments on bottom of Page xxx, for the $xxx credit, which state, "includes $xxx credit for increases in Closing Costs above legal limit." - Seller-02/04/2025 Ready for Review-Document Uploaded. Please see attached CD with a $xxx xxx - Seller-01/29/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-02/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.07% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.55 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16779489 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FPRO4876 | 2025-01-31 16:21 | 2025-02-04 11:32 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/04/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-01/31/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16779489 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-2962 | 2025-01-30 15:08 | 2025-02-04 08:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 Open-Lender to provide supporting documentation evidencing that borrower received the Appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/31/2025 Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, xxx Financial Code Division 1.9 4995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code. While the xxx Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16779489 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3352 | 2025-01-30 15:08 | 2025-02-04 08:03 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 Open-Lender to provide supporting documentation evidencing that borrower received the Appraisal at least 3 business days prior to closing. - Due Diligence Vendor-01/31/2025 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-01/30/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-02/04/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-02/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15144075 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18112751 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1227 | 2025-02-06 10:31 | 2025-03-12 07:42 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. Please see attached Letter of Intent to Re-record MTG with signed PUD Rider - Seller-03/11/2025 Open-PUD Rider is Missing Executed PUD Rider missing. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. Please see attached Letter of Intent to Re-record MTG with signed PUD Rider - Seller-03/11/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.1% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16898352 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2025-02-06 08:47 | 2025-03-05 14:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 69.83% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Please see attached mortgage statement reporting a loan balance of $xxx, resulting in a CLTV of less than 70%. - Seller-03/04/2025 Open-Audited CLTV of 70.05% exceeds Guideline CLTV of 70%. Loan shows approved with CLTV of 69.531% however, that is based on the 1st mortgage lien at $xxx. Mortgage statement provided shows the first loan balance is $xxx as of xxx. - Due Diligence Vendor-02/06/2025 |
Ready for Review-Document Uploaded. Please see attached mortgage statement reporting a loan balance of $xxx, resulting in a CLTV of less than 70%. - Seller-03/04/2025 |
Resolved-Audited CLTV of 69.83% is less than or equal to Guideline CLTV of 70% - Due Diligence Vendor-03/05/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17630328 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-02-07 13:04 | 2025-03-11 21:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Document Uploaded. Cert of site visit provided. - Due Diligence Vendor-03/12/2025 Unable to Resolve-Unable to Resolve-The agent cannot get us a historical binder. Today is xxx and the policy is valid as of xxx - xxx. The policy provided is a renewal, so the prior xxx days was covered. - Seller-02/11/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-02/07/2025 |
Unable to Resolve-Unable to Resolve-The agent cannot get us a historical binder. Today is xxx and the policy is valid as of xxx - xxx. The policy provided is a renewal, so the prior xxx days was covered. - Seller-02/11/2025 |
Resolved-Document Uploaded. Cert of site visit provided. - Due Diligence Vendor-03/12/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.88% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17630328 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-02-07 13:17 | 2025-02-12 12:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/12/2025 Ready for Review-Document Uploaded. Guidelines say CPA letter or business license, verifying xxx years of continuous self employment. We selected the business license option, I have attached again here for ease of use. - Seller-02/11/2025 Open-Borrower 1 CPA Letter Missing. - Due Diligence Vendor-02/07/2025 |
Ready for Review-Document Uploaded. Guidelines say CPA letter or business license, verifying xxx years of continuous self employment. We selected the business license option, I have attached again here for ease of use. - Seller-02/11/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/12/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.88% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15100964 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE8639 | 2025-02-12 12:43 | 2025-02-28 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved- - Due Diligence Vendor-02/28/2025 Ready for Review-Please note that the loan was vested in the borrower's name as an individual and not an xxx; therefore, a personal guaranty is not required. - Seller-02/28/2025 Open-Personal Guaranty is Missing. Guaranty is missing from loan file. - Due Diligence Vendor-02/12/2025 |
Ready for Review-Please note that the loan was vested in the borrower's name as an individual and not an xxx ; therefore, a personal guaranty is not required. - Seller-02/28/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 11841028 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16596346 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-02-14 08:41 | 2025-02-24 12:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. See attached PDF - Seller-02/24/2025 Counter-Unable to open attachment, Please reupload. - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. See attached PDF - Seller-02/24/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.86 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.87 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16596346 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE5782 | 2025-02-11 17:54 | 2025-02-18 13:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report dated within xxx days of the note is Missing. - Due Diligence Vendor-02/11/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/14/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.86 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.87 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13275728 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2025-02-14 13:01 | 2025-02-20 13:44 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. - Seller-02/20/2025 Counter-Document Uploaded. Guidelines require a Desk review. - Due Diligence Vendor-02/18/2025 Ready for Review-Document Uploaded. Do you require the filed review due to AVM with xxx score? Appraised Value - $xxx AVM value - $ xxx Less than xxx %. - Seller-02/14/2025 Open-Desk review is missing from the loan file. Please provide. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. - Seller-02/20/2025 Ready for Review-Document Uploaded. Do you require the filed review due to AVM with xxx score? Appraised Value - $xxx AVM value - $ xxx Less than xxx %. - Seller-02/14/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-02/20/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.88 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.jpg xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19931313 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1193 | 2025-02-14 17:35 | 2025-04-14 10:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. Please see atttached - Seller-04/11/2025 Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 Open-Audited DTI of 59.46% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see atttached - Seller-04/11/2025 Ready for Review-Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 |
Resolved-Audited DTI of 44.36% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.jpg xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19931313 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE6737 | 2025-02-14 16:42 | 2025-03-27 09:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx xxx xxx xxx ' Provided. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Counter-Document Uploaded. Business xxx Statements Only - borrower is to provide the "most recent" xxx or xxx months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 Open-Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx statement in file account was closed. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 |
Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.jpg xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19931313 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2025-02-14 11:20 | 2025-02-27 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx -xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx -xxx xxx xxx and xxx-xxx xxx. - Seller-02/26/2025 Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx-xxx xxx xxx and not for xxx xxx xxx, need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx -xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx -xxx xxx. - Seller-02/26/2025 |
Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19931313 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1511 | 2025-02-14 16:01 | 2025-02-19 14:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Note & Final CD's provided for xxx-xxx xxx xxx and Final CD for xxx xxx xxx & xxx xxx xxx xxx. - Due Diligence Vendor-02/19/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 Open-Note and Settlement Statements for xxx (xxx xxx ), xxx (xxx xxx .), xxx (xxx xxx). - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 |
Resolved-Note & Final CD's provided for xxx and Final CD for xxx & xxx. - Due Diligence Vendor-02/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11611769 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1193 | 2025-02-18 12:09 | 2025-04-14 10:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. see attached - Seller-04/11/2025 Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.501% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 Open-Audited DTI of 57.61% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. see attached - Seller-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.501% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 |
Resolved-Audited DTI of 42.48% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11611769 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE6737 | 2025-02-18 12:10 | 2025-03-27 09:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx xxx xxx xxx' Provided. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Counter-Document Uploaded. Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" xxx or xxx months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 Open-Proof of new account needed to verify continued operation of xxx xxx xxx. Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 |
Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years |
xxx.jpg xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11611769 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2025-02-12 18:34 | 2025-02-27 07:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statements, Final CD and Notes provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx -xxx xxx xxx. - Seller-02/26/2025 Open-Missing tax and insurance documentation for the following properties: 1. xxx xxx xxx xxx , 2. xxx xxx xxx , 3. xxx xxx xxx xxx, xxx xxx xxx , xxx xxx xxx xxx, xxx xxx xxx , and xxx -xxx xxx xxx . - Due Diligence Vendor-02/12/2025 |
Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx -xxxFront Street. - Seller-02/26/2025 |
Resolved-Mortgage statements, Final CD and Notes provided. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11611769 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1503 | 2025-02-18 12:12 | 2025-02-27 07:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Missing mortgage statements for xxx xxx and xxx xxx. The xxx xxx statements provided do not include the property address associated with the liens. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11611769 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM4247 | 2025-02-18 11:53 | 2025-02-27 07:13 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Notes and Final CD's provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Missing Note and Settlement Statement for the following properties: 1. xxx xxx xxx xxx, xxx xxx xxx and xxx xxx xxx xxx. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Notes and Final CD's provided. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years |
xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1193 | 2025-02-14 16:54 | 2025-04-14 11:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx " deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 Open-Audited DTI of 70.47% exceeds Guideline DTI of 50% TPR DTI worksheets are in file. TPR came up with alot less income - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 |
Resolved-Audited DTI of 48.06% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.jpg xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE6737 | 2025-02-14 16:44 | 2025-03-27 09:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx . - Seller-03/26/2025 Counter-Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" 24 or 12 months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 Open-Letter of explanation (Income): Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx . - Seller-03/26/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx . Therefore, additional bank statements are not required. - Seller-02/26/2025 |
Resolved-Proof of New Business account for "xxx' Provided. - Due Diligence Vendor-03/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2025-02-14 16:47 | 2025-02-27 07:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx -xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx-xxx xxx . - Seller-02/26/2025 Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx -xxx xxx xxx and not for xxx xxx xxx , need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx and xxx-xxx xxx. - Seller-02/26/2025 |
Resolved-Mortgage statement provided. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1764 | 2025-02-14 16:56 | 2025-02-27 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx -xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx . - Seller-02/26/2025 Open-Per xxx xxx xxx Statement xxx xxx xxx with a balance of $xxx, no address is associated. (This appears to be possibly xxx AND xxx -xxx xxx xxx mtgs combined) - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxx. - Seller-02/26/2025 |
Resolved-Mortgage statement & HOI Provided. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1233 | 2025-02-14 16:48 | 2025-02-27 07:57 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx . property owned by the borrower is in fact xxx -xxx xxx xxx . Please see attached for the HOI and Mtg Statements for xxx -xxx xxx xxx and xxx -xxx xxx . - Seller-02/26/2025 Open-Missing hazard and tax for xxx xxx . Accord Insurance Policy in file indicates for xxx -xxx xxx xxx and not for xxx xxx xxx , need to verify xxx is insured by this policy. Missing hazard and tax for xxx xxx . - Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. Please see attached for the HOI and Mtg Statements for xxx-xxx xxx xxxand xxx-xxx xxx. - Seller-02/26/2025 |
Resolved-Mortgage statements provided - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1503 | 2025-02-13 08:37 | 2025-02-20 07:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement & HOI provided for xxx xxx & xxx xxx (both commercial properties) & Note & CD for xxx xxx & xxxxxx St. (New 2nd Liens) - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 Open-Provide the following for each property listed that is missing from file: 1) Provide the following for xxx xxx xxx , Provide current mortgage statement to reflect balance, P&I and taxes and insurance if included. If TIA is not included provide supporting docs. Borrower is in process of taking a second mtg on this subject with lender, must provide final CD, estimated CD and / or Note 2) Provide the following for xxx-xxx xxx xxx , Provide current mortgage statement reflecting breakdown, if T&I is not escrowed provide supporting documentation. 3) Provide the following for xxx xxx xxx xxx , Provide final CD, estimated CD and / or Note for new 2nd with lender. 4) Provide for xxx-xxx xxx xxx , Provide new final CD/estimated CD and / or Note for new 2nd mtg with lender. 4) Provide the following for xxx xxx xxx xxx xxx, Provide new final CD/estimated CD and / or Note for new 2nd mtg with lender. - Due Diligence Vendor-02/13/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 |
Resolved-Mortgage statement & HOI provided for xxx & xxx (both commercial properties) & Note & CD for xxx & xxx. (New 2nd Liens) - Due Diligence Vendor-02/20/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18507930 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1513 | 2025-02-14 16:46 | 2025-02-20 07:44 | Resolved | 1 - Information | C | A | Compliance | Closing Package | Closing/Settlement Disclosure Does Not Match Option Purchase Agreement | Resolved-Note & HUD provided for new loans xxx (xxx xxx ), xxx (xxx xxx .), xxx (xxx xxx ). xxx xxx xxx xxx xxx - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 Open-Note and Settlement Statements for xxx (xxx xxx ), xxx (xxx xxx .), xxx (xxx xxx ). xxx xxx xxx xxx xxx- Due Diligence Vendor-02/14/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/19/2025 |
Resolved-Note & HUD provided for new loans xxx (xxx), xxx (xxx), xxx (xxx). xxx xxx - Due Diligence Vendor-02/20/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.12% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12599442 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1193 | 2025-02-18 12:31 | 2025-04-14 11:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 43.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 Counter-Document Uploaded. The Income worksheet for 'xxx xxx xxx xxx" deposits/excluded deposits are not in order by month - Please provide the corrected Income worksheet in order to verify the correct deposits. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 Open-Audited DTI of 58.92% exceeds Guideline DTI of 50% Variance due to difference's between lender deposit exclusions in xxx statement income calculation. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. See attached - Seller-04/11/2025 Ready for Review-Document Uploaded. Document Uploaded. We kindly Disagree, Please see attached Income Calc for both businesses with the income recalculated. The deposits used are all consistent and related to the borrower's business and result in a DTI of 43.502% Also attached are the updated 1003 and 1008's based on the recalculated income. - Seller-04/10/2025 |
Resolved-Audited DTI of 43.96% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/14/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.jpg xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12599442 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE6737 | 2025-02-18 12:35 | 2025-03-27 09:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-New Business xxx statement for 'xxx xxx xxx xxx " provided - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. Please see attached xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Counter-Document Uploaded. Per Guidelines: Business xxx Statements Only - borrower is to provide the "most recent" 24 or 12 months consecutive business xxx statements. "Loan Closed xxx " also The xxx xxx B/S for xxx xxx xxx states Account has been closed. - Due Diligence Vendor-02/27/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional xxx statements are not required. - Seller-02/26/2025 Open-Proof of new account needed to verify continued operation of xxx xxx xxx . Per xxx xxx xxx statement in file account was closed. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached xxx xxx statement for the new account for xxx xxx with a statement/open date of xxx and a deposit matching the final withdrawal amount from the previously closed account in the amount of $xxx. - Seller-03/26/2025 Ready for Review-We respectfully disagree. The loan file contained a CPA letter confirming the continuity of the business operation and the income used for qualification was based on the statements thru the month of xxx. Therefore, additional bank statements are not required. - Seller-02/26/2025 |
Resolved-New Business Bank statement for 'xxx" provided - Due Diligence Vendor-03/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12599442 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE7497 | 2025-02-18 10:56 | 2025-02-27 07:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement, Final CD's and Note provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Missing Tax and Insurance statement for xxx , xxx , xxx xxx , xxx xxx , xxx xxx, xxx xxx and xxx xxx. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Mortgage statement, Final CD's and Note provided. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12599442 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1503 | 2025-02-18 12:34 | 2025-02-27 07:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx -xxx xxx xxx. - Seller-02/26/2025 Open-Missing mortgage statements for xxx xxx and xxx xxx . The xxx xxx statements provided reflect a balance and a payment, but the address is not associated. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. Please note the correct address for the xxx xxx. property owned by the borrower is in fact xxx-xxx xxx xxx. - Seller-02/26/2025 |
Resolved-Mortgage statements provided. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12599442 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM4247 | 2025-02-18 11:00 | 2025-02-27 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | HUD-1 Closing Statement missing or unsigned | Resolved-Note & Final CD provided for xxx, xxx, and x. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Missing Settlement Statement and Note for xxx, xxx, and xxx. These three properties closed on or around the same date as subject. - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Note & Final CD provided for xxx, xxx, and xxx. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19354948 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-02-20 17:10 | 2025-02-21 12:26 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. - Seller-02/21/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/21/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.93 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19354948 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE2109 | 2025-02-18 14:44 | 2025-02-21 12:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. - Seller-02/21/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. - Seller-02/21/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.46 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.91 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.93 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FCOM1797 | 2025-02-14 14:09 | 2025-02-20 07:52 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosure package provided - Due Diligence Vendor-02/20/2025 Ready for Review-SEE PAGE xxx OF THE INITIAL DISCLOSURE - Seller-02/20/2025 Open-Service Provider List is Missing - Due Diligence Vendor-02/14/2025 |
Ready for Review-SEE PAGE xxx OF THE INITIAL DISCLOSURE - Seller-02/20/2025 |
Resolved-Initial Disclosure package provided - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3631 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 Open-**These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2025 |
Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 |
Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3632 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 Open-**These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/19/2025 |
Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 |
Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3634 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 Open-**These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/19/2025 |
Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 |
Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3635 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 Open-**These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-02/19/2025 |
Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 |
Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3515 | 2025-02-19 15:02 | 2025-02-20 07:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. SEE PAGE xxxFOR THE INITIAL LE - Seller-02/20/2025 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $xxx , regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Earliest issued loan estimate in the file has an issued date of 1/21/2025. Documents in the file indicate that the loan application date is 12/4/xxx. Lender to provide a copy of the initial loan estimate and all initial disclosures issued within 3 business days from the application date. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. SEE PAGE xxx FOR THE INITIAL LE - Seller-02/20/2025 |
Resolved-ILE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17457029 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FCOM1266 | 2025-02-14 14:09 | 2025-02-20 07:39 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/20/2025 Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 Open-**These finding is in relation to the delivery of the initial loan estimate. - Due Diligence Vendor-02/19/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/14/2025 |
Ready for Review-INITIAL DISCLOSURE UPLOADED - Seller-02/20/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18114177 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-18 12:37 | 2025-02-24 14:01 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements - Due Diligence Vendor-02/18/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.75% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.76 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12199125 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17889591 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 13256404 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-17 08:42 | 2025-02-25 08:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx search provided confirming xxx has no HOA fees. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. Please see attached screenshot from xxx confirming the property in question, xxx xxx. is a SFR and does not have HOA dues. - Seller-02/24/2025 Open-HOA Dues is missing for property #xxx - Due Diligence Vendor-02/17/2025 |
Ready for Review-Document Uploaded. Please see attached screenshot from xxx confirming the property in question, xxx xxx xxx xxx. is a xxx and does not have HOA dues. - Seller-02/24/2025 |
Resolved-xxx search provided confirming xxx has no HOA fees. - Due Diligence Vendor-02/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.91 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13256404 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-02-19 17:01 | 2025-02-25 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2025 Ready for Review-Please note according to the program guidelines, only wage earners and self-employed borrowers being qualified with full income documentation require a 3rd party VOE. The borrower is self-employed and was qualified using 12 months P&L; therefore, a 3rd party VOE was not required. - Seller-02/24/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing borrower 1 3rd party VOE prior to close. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Please note according to the program guidelines, only wage earners and self-employed borrowers being qualified with full income documentation require a 3rd party VOE. The borrower is self-employed and was qualified using 12 months P&L; therefore, a 3rd party VOE was not required. - Seller-02/24/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 16.08% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.91 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16686281 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18332962 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 18770698 | xxx | xxx | B | B | B | B | A | A | A | A | Closed | FCRE1200 | 2025-02-24 10:36 | 2025-02-24 10:36 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception approved for loan amount of $xxx below xxx minimum. - Due Diligence Vendor-02/24/2025 | Waived-Exception approved for loan amount of $xxx below xxx minimum. - Due Diligence Vendor-02/24/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 49.09% Is Less Than The Guideline Maximum Of 85% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
LTV/CLTV would be 5% less than max. 24+ month credit history exceeds minimum required. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 11224596 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCOM4227 | 2025-02-20 09:03 | 2025-02-25 08:21 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD_ received, data entered, no additional compliance findings - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/24/2025 Open-Initial closing Disclosure is missing - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/24/2025 |
Resolved-ICD_ received, data entered, no additional compliance findings - Due Diligence Vendor-02/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11224596 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCOM1266 | 2025-02-20 09:02 | 2025-02-25 08:14 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/24/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/24/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11224596 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE7497 | 2025-02-21 12:31 | 2025-02-25 07:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-2nd Lien First Payment Letter provided for xxx xxx xxx $xxx- Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. First payment letter uploaded - Seller-02/24/2025 Open-: Provide new loan terms for 2nd mortgage with xxx , loan number xxx , to verify $xxx per month and balance of $xxx balance attached to property located at xxx xxx xxx as it was not in file at the time of review as seen on the final 1003. - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. First payment letter uploaded - Seller-02/24/2025 |
Resolved-2nd Lien First Payment Letter provided for xxx $xxx - Due Diligence Vendor-02/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18274429 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-02-21 09:46 | 2025-02-25 07:59 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/24/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/24/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/25/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.61% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17468613 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 16582318 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2025-02-21 14:03 | 2025-02-26 09:25 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-Missing Initial Closing Disclosure. - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/26/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.96 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16582318 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2025-02-21 14:01 | 2025-02-26 09:18 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/26/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/26/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.96 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16582318 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2025-02-20 16:01 | 2025-02-25 12:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/25/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.96 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16582318 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1197 | 2025-02-21 12:52 | 2025-02-25 12:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-Audited FICO of is less than Guideline FICO of xxx Missing original credit report. Per 1008 mid score is xxx . - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 720 - Due Diligence Vendor-02/25/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.96 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16582318 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE5770 | 2025-02-20 17:32 | 2025-02-25 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/20/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/25/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.96 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 29.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13560153 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10009073 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 14540371 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1362 | 2025-02-21 13:28 | 2025-02-25 12:53 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/25/2025 Ready for Review-Document Uploaded. - Seller-02/25/2025 Open-Borrower 2 Paystubs Less Than 1 Month Provided on this file. - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. - Seller-02/25/2025 |
Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/25/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.01 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.92 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16146977 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO1136 | 2025-02-21 12:08 | 2025-05-28 17:06 | Resolved | 1 - Information | C | A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Updated report provided addressing all remaining repairs. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Seller-05/28/2025 Counter-Provide xxx/1004D when completed, listing the items that have been repaired. There are several items need to be addressed: wood trim scrape and repaint ($xxx) stairs need to be scraped and painted ($xxx) railing ends moisture damage - replace ($xxx) window trim needs to be replaced ($xxx) evidence of carpenter bees - replace ($xxx) damage clapboard - replace ($xxx) Cost to Cure: $xxx- Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. The appraiser has clarified that the only repair needed is for clapboards near the roof line that have damage from carpenter bees. I am attaching the revised report. The borrower notified us that he hired a contractor to make this repair and complete additional work on the property. The work is scheduled to begin next week. They know that we need the xxx so he agreed to have the roofline damage fixed first. When it is complete we will send the appraiser back to inspect and complete a 1004d. - Seller-05/15/2025 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/28/2025 Ready for Review-Document Uploaded. The appraiser has clarified that the only repair needed is for clapboards near the roof line that have damage from carpenter bees. I am attaching the revised report. The borrower notified us that he hired a contractor to make this repair and complete additional work on the property. The work is scheduled to begin next week. They know that we need the rexxx so he agreed to have the roofline damage fixed first. When it is complete we will send the appraiser back to inspect and complete a 1004d. - Seller-05/15/2025 |
Resolved-Updated report provided addressing all remaining repairs. - Due Diligence Vendor-05/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.44 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.77 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 11894605 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1503 | 2025-02-24 15:25 | 2025-02-27 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (xxx) & CBR Supplement Provided - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/26/2025 Open-Missing mortgage statement for xxx xxx xxx #xxx . - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. - Seller-02/26/2025 |
Resolved-Mortgage statement (escrowed) & CBR Supplement Provided - Due Diligence Vendor-02/27/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.64 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15413860 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2025-02-25 12:48 | 2025-03-19 13:18 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. Please see attached Desk Review - Seller-03/18/2025 Counter-Document Uploaded. xxx Guides for Investor Appraisal requirements state Full Appraisal or a 2055 Appraisal "and" Appraisal Desk Review. xxx options are Full appraisal or 2055 both require a Desk review for investment properties. Investor also goes by loan application - Initial app date is xxx - Unable to use the xxx matrix. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Per guide, loan requires a Full Appraisal (1004, 1025, 1073), or a 2055 Appraisal and a Desk review would be required. We note that the loan file closed with a Full Appraisal, therefore a Desk review would not be needed. In addition, we note that VP's Matrix, as of xxx, has removed this requirement. Please see attached. - Seller-02/28/2025 Counter-Document Uploaded. per xxx Guidelines: Investor - Full Appraisal (1004, 1025, 1073) or a 2055 Appraisal and Appraisal Desk Review supporting value within 10% variance. If the review variance is greater than 10%, the lower of the two is to be used to calculate CLTV. - Due Diligence Vendor-02/27/2025 Ready for Review-We respectfully disagree with the request for a desk review as it was not required. The appraised value was $xxx and the loan file contained the xxx with a $xxx estimated value which exceeded the appraised value used, even with xxx % confidence factor. Therefore, a desk review was not warranted to support the appraised value. - Seller-02/26/2025 Open-Appraisal Desk Review is missing from the loan file. Please provide. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. Please see attached Desk Review - Seller-03/18/2025 Ready for Review-Document Uploaded. Per guide, loan requires a Full Appraisal (1004, 1025, 1073), or a 2055 Appraisal and a Desk review would be required. We note that the loan file closed with a Full Appraisal, therefore a Desk review would not be needed. In addition, we note that xxx xxx , as of xxx, has removed this requirement. Please see attached. - Seller-02/28/2025 Ready for Review-We respectfully disagree with the request for a desk review as it was not required. The appraised value was $xxx and the loan file contained the AVM with a $xxx estimated value which exceeded the appraised value used, even with xxx% confidence factor. Therefore, a desk review was not warranted to support the appraised value. - Seller-02/26/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-03/19/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years | xxx.jpg xxx.pdf xxx.jpg xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10800514 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FCRE5783 | 2025-02-25 10:10 | 2025-02-27 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10800514 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FCRE5782 | 2025-02-21 14:12 | 2025-02-27 09:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/21/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.14 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16919523 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18611771 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14220866 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16823754 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 13181072 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14670864 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-25 15:18 | 2025-02-27 12:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/27/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-02/27/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.19% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.13 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.14 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15080012 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12484496 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-47 | 2025-02-24 15:45 | 2025-02-27 08:47 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/26/2025 Open-The Final CD shows a funding date of 02/18/2025 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/26/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/27/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13017772 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FCRE8611 | 2025-02-26 12:03 | 2025-02-27 09:58 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Verification of CPA provided. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Missing verification information for CPA that prepared P&L. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Verification of CPA provided. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.71 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13017772 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FPRO4876 | 2025-02-24 17:18 | 2025-02-27 09:56 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. (Previous xxx dated xxx showing no damage on page xxx) - Due Diligence Vendor-02/24/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.71 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15510979 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE2994 | 2025-02-26 12:10 | 2025-02-28 12:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Lender provided updated 1008 - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. - Seller-02/27/2025 Open-1008 does not reflect the P&I of 1st mortgage included in ratios, DTI variance. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/27/2025 |
Resolved-Lender provided updated 1008 - Due Diligence Vendor-02/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.76 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.77 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11249929 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FPRO4876 | 2025-02-27 12:02 | 2025-03-06 14:45 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11249929 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE5782 | 2025-02-25 08:18 | 2025-03-05 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report is missing. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12732749 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-02-25 12:51 | 2025-02-27 13:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. - Seller-02/27/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-02/27/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.38 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.6% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.58 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.75 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14299112 | xxx | xxx | D | B | D | B | A | A | D | A | Closed | FCRE1195 | 2025-02-25 08:22 | 2025-03-06 11:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Matrix is at 75% CLTV - to allow CLTV of 79.719 - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Counter-Lock Rate provided however still missing the Approved Lender Exception. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Counter-An Approved Lender Exception is needed. - Due Diligence Vendor-03/04/2025 Ready for Review-Will you accept an exception on this? - Seller-03/03/2025 Counter-Document Uploaded. Subject Loan is a Primary 2nd Lien - Investor guides to be used are xxx xxx xxx xxx . Application date is xxx - Please see uploaded matrix. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. See the matrix below Applications dated xxx or later. - Seller-02/28/2025 Counter-Lender exception needed to use later matrix. Lender guidelines are to use application date, this loan's application date is xxx. - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. See the matrix - Seller-02/27/2025 Open-Audited CLTV of 79.91% exceeds Guideline CLTV of 75% - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Ready for Review-Will you accept an exception on this? - Seller-03/03/2025 Ready for Review-Document Uploaded. See the matrix below Applications dated xxx or later. - Seller-02/28/2025 Ready for Review-Document Uploaded. See the matrix - Seller-02/27/2025 |
Waived-Approved Lender Exception: Matrix is at 75% CLTV - to allow CLTV of 79.719 - Due Diligence Vendor-03/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.15 Years |
Excellent credit, Cash-out applied as reserves, Good Residual income |
xxx.png xxx.png xxx.jpg xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | xxx |
| 14299112 | xxx | xxx | D | B | D | B | A | A | D | A | Closed | FPRO4876 | 2025-02-25 08:05 | 2025-03-03 14:18 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-03/03/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. In 1008 Borrower given Comments For xxx SUBJ PROPERTY IS LOCATED NEXT TO xxx xxx xxx , xxx xxx xxx xxx xxx - Due Diligence Vendor-02/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/03/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 14299112 | xxx | xxx | D | B | D | B | A | A | D | A | Closed | FCRE1339 | 2025-02-26 10:04 | 2025-02-27 17:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal xxx Statements Provided - Due Diligence Vendor-02/27/2025 Resolved-Lender provided. worksheet updated - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. See the attached xxx xxx Stmt - Seller-02/27/2025 Open-Borrower 1 Personal xxx Statements Missing - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. See the attached xxx Bank Stmt - Seller-02/27/2025 |
Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-02/27/2025 Resolved-Lender provided. worksheet updated - Due Diligence Vendor-02/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.15 Years |
File is missing xxx xxx xxx xxx xxx xxx #xxx account statement used to calculate income. | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 14299112 | xxx | xxx | D | B | D | B | A | A | D | A | Closed | FCRE1437 | 2025-02-26 10:24 | 2025-02-27 17:17 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Lender provided additional information - Due Diligence Vendor-02/27/2025 Ready for Review-Document Uploaded. Borrowers is xxx -xxx, and the income generated from xxx xxx is industry standard to disburse xxx Income. See the attached docs. - Seller-02/27/2025 Open-Income and Employment Do Not Meet Guidelines Guidelines require deposits to a personal account from sources other than self employment to be excluded. There is no evidence in the file xxx xxx is xxx xxx. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. Borrowers is self-employed, and the income generated from xxx payroll is industry standard to disburse xxx Income. See the attached docs. - Seller-02/27/2025 |
Resolved-Lender provided additional information - Due Diligence Vendor-02/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 11687486 | xxx | xxx | D | B | D | B | B | A | D | A | Closed | FCRE1195 | 2025-02-26 13:39 | 2025-03-03 18:06 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Audited CLTV of 89.76% exceeds Guideline CLTV of 85% Audited CLTV of 89.84% exceeds Guideline CLTV of 85%. - Due Diligence Vendor-02/26/2025 | Acknowledged-Audited CLTV of 89.76% exceeds Guideline CLTV of 85% Audited CLTV of 89.84% exceeds Guideline CLTV of 85%. - Due Diligence Vendor-02/26/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Comp Factor #1 Mtg History dating back to xxx. No lates reported. Comp Factor #2 Other Borrowers have owned subject for 10 years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 11687486 | xxx | xxx | D | B | D | B | B | A | D | A | Closed | FCOM1266 | 2025-02-26 15:44 | 2025-02-28 16:17 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. here you go. - Buyer-02/28/2025 Counter-******* Please provide entire initial disclosure package for review - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 Open-Homeownership Counseling Disclosure Is Missing ****Please provide complete initial disclosure package - Due Diligence Vendor-02/26/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-02/28/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11687486 | xxx | xxx | D | B | D | B | B | A | D | A | Closed | FCRE1503 | 2025-02-27 10:38 | 2025-02-28 16:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 Open-Mortgage statement for subject property's first mortgage with xxx xxx is missing - Due Diligence Vendor-02/27/2025 |
Resolved-Lender provided - Due Diligence Vendor-02/28/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15795471 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18818683 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11645136 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-02-27 10:31 | 2025-03-06 11:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-03/06/2025 Resolved-xxx #xxx for xxx xxx provided. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Counter-Document Uploaded. Is xxx xxx xxx statement for xxx #xxx not available? the B/S bring provided is for xxx #xxx - Please see screen shot of Lender Income worksheet - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Counter-Missing xxx xxx xxx xxx statement for xxx "xxx " the B/S provided is for a different account. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. - Seller-03/03/2025 Counter-Document Uploaded. xxx xxx Deposits are included on the Lenders Worksheet - Missing From File. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. We don’t need xxx xxx – we have xxx thru xxx xxx – See the Icome calculation worksheet. - Seller-02/28/2025 Open-xxx xxx xxx xxx xxx statement is missing A/c#xxx - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Ready for Review-Document Uploaded. - Seller-03/03/2025 Ready for Review-Document Uploaded. We don’t need xxx xxx – we have xxx thru xxx – See the Icome calculation worksheet. - Seller-02/28/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/06/2025 Resolved-xxx #xxx for xxx provided. - Due Diligence Vendor-03/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.jpg xxx.pdf xxx.pdf xxx.jpg xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11645136 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-26 15:28 | 2025-03-04 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax & Insurance Provided. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Final Closing stmt attached Loan closed xxx – no mortgage stmt. Insurance attached. Taxes attached. - Seller-03/03/2025 Open- for the following property taxes and insurances xxx xxx xxx xxx, xxx ,xxx , xxx - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. Final Closing stmt attached Loan closed xxx – no mortgage stmt. Insurance attached. Taxes attached. - Seller-03/03/2025 |
Resolved-Tax & Insurance Provided. - Due Diligence Vendor-03/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-02-26 03:43 | 2025-03-03 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Documents provided. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. tax Bill, xxx printout to show no HOA Dues & Property Profile - Seller-02/28/2025 Open-Missing proof of Taxes and or HOA of $xxx for property xxx xxx xxx **LOX provided Page #xxx for Insurance ** - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. tax Bill, xxx printout to show no HOA Dues & Property Profile - Seller-02/28/2025 |
Resolved-Property Documents provided. - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-02-26 02:28 | 2025-03-03 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx xxx Summary Provided - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 Open-Missing Lender Worksheet or xxx xxx Summary in file. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/28/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-02-26 13:52 | 2025-03-03 12:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx xxx Provided - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 Open-Borrower 1 Business xxx xxx Missing Missing xxx xxx xxx statement for xxx xxx xxx account #xxx. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/28/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-02-26 14:22 | 2025-03-03 12:23 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Attached Closing Stmt - Netted $xxx $20,000 on 10/21/xxx, - copy of the check for $xxx deposited xxx $18,800 on 11/21/xxx - to follow $22,000 on 12/16/xxx. There was no exception located in the file. – copy of the check for the $xxx xxx - Seller-02/28/2025 Open-Income and Employment Do Not Meet Guidelines GL require large deposits inconsistent with history must be documented as business income. The 1008 indicates large deposits have been sourced and documented; however the file did not contain documentation for a $xxx deposit on xxx/xxx, $xxx on xxx, $xxx on xxx and $xxx on xxx. There was no exception located in the file. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. Attached Closing Stmt - Netted $xxx $xxx on xxx, - copy of the check for $xxx deposited xxx $xxx on xxx - to follow $xxx on xxx. There was no exception located in the file. – copy of the check for the $xxx xxx - Seller-02/28/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-02-26 13:01 | 2025-03-03 12:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. The hazard insurance policy is cut off and the coverage amount is not visible for the subject property - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/28/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11702900 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-02-25 23:52 | 2025-03-03 12:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. attached - Seller-02/28/2025 Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. attached - Seller-02/28/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13517996 | xxx | xxx | D | A | D | A | C | A | D | A | Closed | finding-47 | 2025-02-26 14:13 | 2025-03-13 07:47 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. Please see attached - Seller-03/12/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. Please see attached - Seller-03/12/2025 |
Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/13/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13517996 | xxx | xxx | D | A | D | A | C | A | D | A | Closed | FCRE2109 | 2025-02-26 02:59 | 2025-03-05 12:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/05/2025 Ready for Review-Please note the loan was approved using 12 months Profit and Loss income. The underwriter accordingly included comments on the 1008 Transmittal Summary noting the following "Profit and Loss income calculated as follows $xxx/ xxx= $xxx". An additional income worksheet/ xxx statement summary is not required. - Seller-03/04/2025 Open-Missing Lender Worksheet or xxx Statement Summary Missing Lender Income Worksheet. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Please note the loan was approved using 12 months Profit and Loss income. The underwriter accordingly included comments on the 1008 Transmittal Summary noting the following "Profit and Loss income calculated as follows $xxx/ xxx = $xxx". An additional income worksheet/ bank statement summary is not required. - Seller-03/04/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13517996 | xxx | xxx | D | A | D | A | C | A | D | A | Closed | FCRE5790 | 2025-02-26 16:17 | 2025-03-05 12:07 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired. xxx with closing date of xxx. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13078836 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19082908 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-47 | 2025-02-26 16:16 | 2025-03-14 09:13 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. See attached - Seller-03/13/2025 Open-***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. See attached - Seller-03/13/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 19082908 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FPRO4876 | 2025-02-27 10:22 | 2025-03-05 14:31 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 Open-Property is located in a xxx xxx xxx and xxx a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx xxx after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-03/04/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 18724672 | xxx | xxx | D | B | D | B | D | A | D | A | Closed | FCOM1263 | 2025-02-28 09:11 | 2025-03-03 08:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. see attached. - Seller-02/28/2025 Open-Right of Rescission is Partially Provided **copies of executed Notice of Right to Cancel for non-borrower do not have an executed date. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. see attached. - Seller-02/28/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18724672 | xxx | xxx | D | B | D | B | D | A | D | A | Closed | FCRE5790 | 2025-02-26 13:41 | 2025-02-28 17:00 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. see attached - Buyer-02/28/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Missing Gap report. - Due Diligence Vendor-02/26/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-02/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18724672 | xxx | xxx | D | B | D | B | D | A | D | A | Closed | FPRO1242 | 2025-02-27 11:23 | 2025-02-28 11:59 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/28/2025 Ready for Review-Document Uploaded. see attached. was in the initial upload - Buyer-02/28/2025 Open-Appraisal is Missing Missing xxx CU score in file. - Due Diligence Vendor-02/27/2025 |
Resolved-Appraisal has been provided - Due Diligence Vendor-02/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18724672 | xxx | xxx | D | B | D | B | D | A | D | A | Closed | FCRE1258 | 2025-02-27 11:47 | 2025-02-28 11:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-02/28/2025 Open-Please verify Collateral Underwriter Score Provided is actually Missing. - Due Diligence Vendor-02/28/2025 Ready for Review-confused why this is asked for - Buyer-02/28/2025 Open-Please verify Collateral Underwriter Score Provided is actually Missing. Missing Collateral Underwriter Score. - Due Diligence Vendor-02/27/2025 |
Resolved-Collateral Underwriter Provided or Not Applicable - Due Diligence Vendor-02/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 18724672 | xxx | xxx | D | B | D | B | D | A | D | A | Closed | FCRE6019 | 2025-02-27 11:43 | 2025-02-27 11:43 | Waived | 2 - Non-Material | B | B | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Waived-Borrower 1 xxx xxx Is Missing Exception approved for Borrower's xxx xxx not provided. - Due Diligence Vendor-02/27/2025 | Waived-Borrower 1 Citizenship Documentation Is Missing Exception approved for Borrower's Green Card not provided. - Due Diligence Vendor-02/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Fico xxx. DTI greater than 10% Below max. Stable line of work as xxx. | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 17588157 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-26 15:28 | 2025-03-03 12:47 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 Open-Property is located in a xxx xxx xxx and xxx a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx xxx after stated completion or end date per xxx, subject to investor requirements. - Due Diligence Vendor-02/26/2025 |
Ready for Review-Document Uploaded. - Seller-02/28/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/03/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19470434 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19456563 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 13561817 | xxx | xxx | C | A | B | A | C | A | A | A | Closed | finding-47 | 2025-02-28 01:01 | 2025-03-04 08:32 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. Enclosed is the PCCD with a disbursement date of xxx - Buyer-03/03/2025 Counter-xxx that shows funding xxx has been provided, however, the PCCD for funding xxx has not been provided. Please provide PCCD to reflect final fee changes and correct disbursement date. - Due Diligence Vendor-03/03/2025 Ready for Review-not sure why this is noted. On xxx The borrower signed docs on xxx rescission ended on xxx due to the xxx xxx, loan funded on xxx as disclosed on the PCCD. I'm not sure what they are looking at here, it's correct. - Buyer-02/28/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-02/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/04/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.22 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | ||
| 13561817 | xxx | xxx | C | A | B | A | C | A | A | A | Closed | FCRE1182 | 2025-02-27 12:31 | 2025-03-03 10:56 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-02/28/2025 Open-1008/Underwriting Summary Not Provided Provide the 1008 Underwriting Summary reflecting the loan amount of $xxx. - Due Diligence Vendor-02/27/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/03/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 39.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.22 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 34.38% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | ||
| 11990492 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-27 16:17 | 2025-03-05 14:36 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Counter-Document Uploaded. Subject Property Zip Code is xxx which is listed in the Zipcode document provided. a xxx-xxx xxx is required. - Due Diligence Vendor-03/03/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 Ready for Review-Document Uploaded. - Seller-02/28/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.32 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |
xxx.pdf xxx.jpg xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14226155 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO1245 | 2025-02-27 05:41 | 2025-03-10 12:25 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Recertification of Value provided, appraiser stating the following: I certify that I have performed a visual xxx of the subject property to determine if the conditions or requirements stated in the original appraisal have been satisfied. dated xxx - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. - Seller-03/07/2025 Counter-Missing recertification of value is needed/required from an appraiser, confirming that the original valuation of a property remains accurate by verifying if any conditions stipulated in the initial appraisal have been met, essentially checking if the property's value is still the same without recalculating a new market value. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 Open-Primary Value Appraisal is Expired. Subject appraisal is xxx days old at the time of closing. Guidelines shows allowed up to 120 days and with re-certification of value 180 days allowed. A re-cert of value was not provided. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/07/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 |
Resolved-Recertification of Value provided, appraiser stating the following: I certify that I have performed a visual xxx of the subject property to determine if the conditions or requirements stated in the original appraisal have been satisfied. dated xxx - Due Diligence Vendor-03/10/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.31 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.90 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.69% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years |
xxx.pdf xxx.pdf xxx.PDF |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16536009 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-02-28 14:55 | 2025-03-12 10:55 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Seller-03/10/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ********Documentation provided indicates a Lock Date of xxx, however, **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. *** In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx- Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. - Seller-03/10/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16536009 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-02-28 14:55 | 2025-03-11 07:30 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Seller-03/10/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ********Documentation provided indicates a Lock Date of xxx, however, **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. *** In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. - Seller-03/10/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-03/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16536009 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-02-28 14:55 | 2025-03-11 07:30 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Seller-03/10/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ********Documentation provided indicates a Lock Date of xxx, however, **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. *** In lieu of having a locked Loan estimate, all Lock/Pricing based charge increases and/or Lender credit decreases, issued after the Initial Loan Estimate (issued xxx / not Locked), are subject to xxx% Tolerance. Potential CURE impact of no Locked LE or Locked LE issued out of timing = $xxx- Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. - Seller-03/10/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 73.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18771197 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 14687491 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2025-02-27 17:20 | 2025-03-04 08:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/04/2025 Ready for Review-Document Uploaded. - Seller-03/03/2025 Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report for xxx xxx xxx. - Due Diligence Vendor-02/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/03/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12448705 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16572306 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 19291640 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-03-03 13:16 | 2025-03-06 11:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-03/03/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14727082 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-03-04 12:33 | 2025-03-07 12:09 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. xxx xxx xxx xxx -xxx Incident Period: xxx xxx , xxx - xxx xxx , xxx, Declaration Date: xxx xxx, xxx - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/06/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.48 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13827497 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3625 | 2025-03-04 10:18 | 2025-03-25 08:29 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Curative/clerical PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Ready for Review-Document Uploaded. Please see corrected CD - Seller-03/24/2025 Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. ****Section B of the Final CD has the Document Redraw Fee fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 Ready for Review-Document Uploaded. Please see corrected CD - Seller-03/24/2025 |
Resolved-Curative/clerical PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-03/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11429613 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16262012 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15439394 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-03-04 12:42 | 2025-03-06 14:43 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property located in xxx xxx xxx. xxx is ongoing. xxx required after stated completion or end date per xxx, subject to investor requirements. xxx xxx xxx xxx , xxx xxx : xxx xxx , xxx - xxx xxx , xxx, Declaration Date: xxx xxx , xxx. The Appraisal is dated xxx , or xxx days after the xxx period end date of xxx xxx , xxx, the xxx period end date. The lender guidelines for xxx xxxs should be followed for xxx days from the xxx period end date or the date of the event, whichever is later. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/06/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.50 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14524104 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17354295 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19904599 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12949342 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-03-03 13:49 | 2025-03-06 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Asset has been omitted/ borrower is not required to verify assets. Corrected 1003/1008 has been uploaded. - Seller-03/05/2025 Open-Asset 1 Missing Missing xxx statement verifying assets stated on F1003. - Due Diligence Vendor-03/03/2025 |
Ready for Review-Document Uploaded. Asset has been omitted/ borrower is not required to verify assets. Corrected 1003/1008 has been uploaded. - Seller-03/05/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.26 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.26 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12949342 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2025-03-03 12:11 | 2025-03-06 09:34 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx-xxx -xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Pages xxx and xxx is the Current Policy for xxx-03/06/2025. Pages xxx and xxx is the Renewal Policy for xxx -03/06/2026. - Seller-03/05/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-03/03/2025 |
Ready for Review-Document Uploaded. Pages xxx and xxx is the Current Policy for xxx-xxx. Pages xxx and xxx is the Renewal Policy for xxx -xxx. - Seller-03/05/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.26 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.26 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12949342 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-03-04 16:14 | 2025-03-06 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming years prepared taxes for borrower and % of ownership borrower has. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.26 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.26 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12949342 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-03-04 16:14 | 2025-03-06 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/05/2025 Open-Missing Lender Worksheet or xxx Statement Summary Missing underwriter's income worksheet. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/05/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.26 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.26 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11137889 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-03-04 08:13 | 2025-03-06 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/06/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.30 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 16106039 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-03-04 16:54 | 2025-03-07 11:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-03/07/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 Open-Borrower 1 Business xxx Statements Missing xxx account #xxx xxx xxx statements for xxx, xxx , xxx , xxx and xxx xxx are missing from the file. - Due Diligence Vendor-03/04/2025 |
Ready for Review-Document Uploaded. - Seller-03/06/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-03/07/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.86 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.86 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 11795637 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18812824 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-03-05 16:02 | 2025-03-10 14:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. Rebut - please see attached. Concur that the P & L for the first mortgage was incorrect, but the total other debt was $xxx after the majority were paid off at closing. Revised 1008, final closing statement, and list of borrower's debt provided for your review. DTI is below 50% and meets guidelines. Thanks! - Buyer-03/10/2025 Open-Audited DTI of 50.25% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/05/2025 |
Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.41 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16138433 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2025-03-04 18:45 | 2025-03-14 14:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-The interim DL was issued before COE - Due Diligence Vendor-03/14/2025 Ready for Review-The interim DL was issued before COE so we shouldn’t need an exception. Note date is xxx. - Seller-03/13/2025 Counter-At the time of closing the Borrower's Drivers License was expired, Borrower interim DL document provided however its dated xxx (issued)after Closing, Lender Approved Exception needed. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. Per our borrower, he is still waiting on his permanent one in the mail a/o xxx. - Seller-03/10/2025 Open-xxx xxx DL is expired as of xxx - Due Diligence Vendor-03/04/2025 |
Ready for Review-The interim DL was issued before COE so we shouldn’t need an exception. Note date is xxx. - Seller-03/13/2025 Ready for Review-Document Uploaded. Per our borrower, he is still waiting on his permanent one in the mail a/o xxx. - Seller-03/10/2025 |
Resolved-The interim DL was issued before COE - Due Diligence Vendor-03/14/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.15 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19183225 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11571787 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18075600 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14001554 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE4963 | 2025-03-05 12:01 | 2025-03-13 12:28 | Resolved | 1 - Information | C | A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Guidelines require: A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within xxx days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. (1st lien mortgage stmt located on page xxx showing deferred amount of $xxx - Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. (Lender provided Email from Bwr) Without documented hardship, deferred amounts must be paid through closing. Loans with negative amortization. Reverse mortgages. - Balloon loans that the balloon payment comes due during the amortization period of the 2nd loan. Private Party. - Due Diligence Vendor-03/13/2025 Ready for Review-Document Uploaded. - Seller-03/12/2025 Open-Missing evidence the deferred balance in the amount of $xxx appearing on the senior lien mortgage statement dated xxx was paid through closing. Per the lender's guidelines, a copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within xxx days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. Loans in active forbearance or deferment, Deferred balance due to a documented hardship may remain open. Without documented hardship, deferred amounts must be paid through closing. The loan file does not contain a documented hardship explanation for the deferred balance or evidence the deferred balance was paid through closing. - Due Diligence Vendor-03/05/2025 |
Ready for Review-Document Uploaded. - Seller-03/12/2025 |
Resolved-Guidelines require: A copy of the most current 1st mortgage statement is required to determine eligibility. Statement date to be within 60 days of Note date. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. (1st lien mortgage stmt located on xxx showing deferred amount of $xxx - Loans in active forbearance or deferment. Deferred balance due to a documented hardship may remain open. (Lender provided Email from Bwr) Without documented hardship, deferred amounts must be paid through closing. Loans with negative amortization. Reverse mortgages. - Balloon loans that the balloon payment comes due during the amortization period of the 2nd loan. Private Party. - Due Diligence Vendor-03/13/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14001554 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-03-05 10:50 | 2025-03-10 14:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed LOE for Credit inquires provided. - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. - Seller-03/10/2025 Open-Missing Letter of Explanation for credit inquires within the most recent xxx days of the credit report date as required per the lender's guidelines, The loan file contains an unexecuted LOX. - Due Diligence Vendor-03/05/2025 |
Ready for Review-Document Uploaded. - Seller-03/10/2025 |
Resolved-Signed LOE for Credit inquires provided. - Due Diligence Vendor-03/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12618340 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2025-03-06 17:52 | 2025-03-10 09:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Updated Patriot Act Form provided stating Bwr had a xxx extension form issues xxx, expiring now on xxx - Due Diligence Vendor-03/10/2025 Ready for Review-Document Uploaded. - Seller-03/07/2025 Open-xxx xxx Driver License is expired as of xxx. Date note was signed was xxx - Due Diligence Vendor-03/06/2025 |
Ready for Review-Document Uploaded. - Seller-03/07/2025 |
Resolved-Updated Patriot Act Form provided stating Bwr had a DMV extension form issues xxx, expiring now on xxx - Due Diligence Vendor-03/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.37 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.27% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16470350 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13707828 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13388067 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10968362 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 14891739 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1726 | 2025-03-05 19:30 | 2025-04-09 13:25 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Lender provided updated information and LOE. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-xxx xxx xxx xxx is Non-Permanent Resident Alien id not provided. only provided Driving License. - Due Diligence Vendor-03/06/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Lender provided updated information and LOE. - Due Diligence Vendor-04/09/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 14891739 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-03-05 20:58 | 2025-03-10 14:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025 Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). As Per Guide line 15 days of the Note date. - Due Diligence Vendor-03/06/2025 |
Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 14891739 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2025-03-05 20:58 | 2025-03-10 14:11 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025 Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). As Per Guide line 15 days of the Note date. - Due Diligence Vendor-03/06/2025 |
Ready for Review-The PreClose Credit Report uploaded in the closed-loan package, starting on page xxx of xxx is dated xxx. Our Note date is xxx. Can you please clarify this condition? - Seller-03/10/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-03/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 10051628 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19044507 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10137932 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1467 | 2025-03-05 13:06 | 2025-03-12 12:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. I uploaded the updated 1003 removing the assets they are not needed. xxx xxx , xxx . xxx- Seller-03/11/2025 Counter-Document Uploaded. Final 1003 reflects xxxfunds from xxx xxx iao $xxx listed under assets however missing from the file. - Due Diligence Vendor-03/10/2025 Ready for Review-Can you please clarify this condition? This is a C/O Refinance - Seller-03/10/2025 Open-Asset 1 Missing - Due Diligence Vendor-03/05/2025 |
Ready for Review-Document Uploaded. I uploaded the updated 1003 removing the assets they are not needed. xxx xxx, xxx . xxx - Seller-03/11/2025 Ready for Review-Can you please clarify this condition? This is a C/O Refinance - Seller-03/10/2025 |
Resolved-Asset 1 Provided - Due Diligence Vendor-03/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.99% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years |
xxx.jpg xxx.jpg xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19106400 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FCOM1252 | 2025-03-07 08:09 | 2025-03-12 08:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. see attached - Buyer-03/11/2025 Open-Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-03/07/2025 |
Resolved-ILE received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.22 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.36% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.17 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12077235 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-07 10:31 | 2025-03-11 09:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report & HOI Policies provided. - Due Diligence Vendor-03/11/2025 Ready for Review-Document Uploaded. - Seller-03/10/2025 Open-For the following Properties Taxes, Insurance and association dues are docs missing. 1. xxx-xxx xxx xxx , xxx xxx, xxx, xxx 2. xxx -xxx xxx xxx , xxx xxx, xxx , xxx 3. xxx xxx xxx , xxx , xxx, xxx 4. xxx xxx xxx , xxx xxx, xxx, xxx- Due Diligence Vendor-03/07/2025 |
Ready for Review-Document Uploaded. - Seller-03/10/2025 |
Resolved-Property report & HOI Policies provided. - Due Diligence Vendor-03/11/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.18 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.18 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19835747 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11584218 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15690228 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1252 | 2025-03-07 09:05 | 2025-03-12 08:10 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 Ready for Review-Document Uploaded. COC LE was sent within 3 business days. We do not count xxx and xxx xxx we were closed due to the federal holiday - xxx xxx xxx xxx - Buyer-03/11/2025 Open-COC dated 01/16/25 received due to rate lock changed but with 3 Business Day not received Loan Estimate / received Closing Disclosure. - Due Diligence Vendor-03/07/2025 |
Resolved-Locked LE_ received, data entered, no additional compliance findings. - Due Diligence Vendor-03/12/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.98% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16515923 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 13197997 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16317910 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1197 | 2025-03-11 13:29 | 2025-03-14 08:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx- Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. - Seller-03/12/2025 Open-Audited FICO of xxx is less than Guideline FICO of xxx Primary wage earner score used per guidelines - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. - Seller-03/12/2025 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-03/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10400959 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17081698 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12903079 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1186 | 2025-03-11 12:23 | 2025-03-25 10:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 40.24% is less than or equal to AUS DTI of % - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. Credit supp removing the xxx xxx. - Seller-03/24/2025 Open-Audit DTI of 46.24% does not match F1008 DTI of 44.433% due to F1008 "xxx xxx xxx" amount of $xxx does not match Audit "xxx xxx xxx" amount of $xxx . - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Credit supp removing the lease vehicle. - Seller-03/24/2025 |
Resolved-Audited DTI of 40.24% is less than or equal to AUS DTI of % - Due Diligence Vendor-03/25/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.47 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.47 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |
| 12903079 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2025-03-07 19:02 | 2025-03-14 15:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Updated DL provided. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. - Seller-03/14/2025 Open-1st Borrower xxx xxx xxx Drivers License ID is expired. - Due Diligence Vendor-03/08/2025 |
Ready for Review-Document Uploaded. - Seller-03/14/2025 |
Resolved-Updated DL provided. - Due Diligence Vendor-03/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.46 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.47 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.47 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | |
| 15606452 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15283377 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 13659585 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO1245 | 2025-03-10 09:10 | 2025-03-15 15:20 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/15/2025 Ready for Review-Document Uploaded. ATTACHED. - Seller-03/14/2025 Open-Primary Value Appraisal is Expired Provide the updated appraisal report for the subjecy. - Due Diligence Vendor-03/10/2025 |
Ready for Review-Document Uploaded. ATTACHED. - Seller-03/14/2025 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.14% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15811570 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18479794 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12688669 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19159896 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 18686653 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16885191 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-03-11 01:34 | 2025-03-27 14:24 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report dated xxx is expired. Note dated xxx. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. - Seller-03/26/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-03/27/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.35 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12390582 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | finding-3652 | 2025-03-12 00:52 | 2025-03-30 10:38 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Counter-Thank you. Please Provide Revised Closing Disclosure issued xxx. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial LE dated xxx reflects Lender Credit Fee $xxx however, Final CD dated xxx reflects the Lender Credit Fee $xxxThe fee has been decreased for Lender Credit. Required valid COC. - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 |
Resolved-COC and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.18 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.81 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.87% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf xxx.PDF |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12390582 | xxx | xxx | D | A | A | A | C | A | D | A | Closed | FPRO4876 | 2025-03-11 06:35 | 2025-03-25 12:45 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Per xxx directive, property located outside of xxx xxx xxx. xxx reflects no xxx or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. xxx xxx xxx (xxx) Appraisal was completed onxxx.xxx xxx : xxx xxx, xxx- and continuing, Recertified xxx . - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/25/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.18 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.81 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.87% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19067194 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-03-13 13:19 | 2025-03-25 11:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/25/2025 Ready for Review-A CPA letter and license is not required. We obtain proof of the business with the borrowers operating agreement. Please reference xxx on page xxx of the guidelines. - Seller-03/24/2025 Open-Borrower 1 CPA Letter Missing CPA letter is missing, file did not contain copy of business license - Due Diligence Vendor-03/13/2025 |
Ready for Review-A CPA letter and license is not required. We obtain proof of the business with the borrowers operating agreement. Please reference xxx on page xxx of the guidelines. - Seller-03/24/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-03/25/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.74% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.04 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19067194 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-03-13 13:15 | 2025-03-25 11:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-Third Party Fraud Report Partially Provided Document provided but has been cut off and is not fully viewable - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-03/25/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.74% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.04 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13612321 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10915462 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16168824 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15319711 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1180 | 2025-03-13 16:50 | 2025-03-17 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/17/2025 Ready for Review-Document Uploaded. - Seller-03/17/2025 Open-HO-6 Insurance Policy is Missing Missing xxx-xxx n policy. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. - Seller-03/17/2025 |
Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/17/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.18 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.83% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12541219 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15232110 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16711312 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12350720 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11734191 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19861386 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11151228 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17320795 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16987725 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2025-03-17 08:46 | 2025-03-26 09:59 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Seller-03/25/2025 Counter-AVM in original file however exception is requesting a Desk review. - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. - Seller-03/18/2025 Open-Appraisal desk review is missing from loan file. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. - Seller-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/18/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-03/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.02 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.02 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11607023 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13409524 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO1244 | 2025-03-17 15:52 | 2025-03-20 08:37 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. - Seller-03/19/2025 Open-Desk review is missing from loan file. Please provide. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. - Seller-03/19/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-03/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13409524 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FVAL1310 | 2025-03-13 13:40 | 2025-03-20 08:37 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. - Seller-03/17/2025 Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. - Seller-03/17/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-03/18/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.17 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12837155 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10821042 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1330 | 2025-03-13 15:03 | 2025-03-21 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. - Seller-03/17/2025 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. - Seller-03/17/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-03/18/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.31 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.47% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10821042 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1333 | 2025-03-18 09:00 | 2025-03-21 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-03/19/2025 Ready for Review-Document Uploaded. A copy of the attached WVOE was provided in the closed-loan package, page xxx of xxx. Kindly waive this condition. - Seller-03/18/2025 Open-Missing WVOE used for Income qualifications. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. A copy of the attached WVOE was provided in the closed-loan package, page xxx of xxx . Kindly waive this condition. - Seller-03/18/2025 |
Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-03/19/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.31 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.47% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17830799 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1469 | 2025-03-13 19:24 | 2025-03-20 14:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. - Seller-03/20/2025 Counter-Please provided updated 1003 & 1008 removing those assets/reserves - Due Diligence Vendor-03/20/2025 Ready for Review-Sorry I believe that was an input by mistake , there is no xxx xxx xxx - xxx #xxx with $xxx Only assets are xxx xxx xxx#xxx and xxx xxx #xxx. $xxx has No impact on the loan. Please advise, thank you. - Seller-03/19/2025 Open-Asset 3 Missing - xxx xxx xxx - xxx #xxx iao $xxx. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. - Seller-03/20/2025 Ready for Review-Sorry I believe that was an input by mistake , there is no xxx xxx xxx- xxx #xxx with $xxx Only assets are xxx xxx xxx #xxxx and xxx xxx #xxx . $xxx has No impact on the loan. Please advise, thank you. - Seller-03/19/2025 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-03/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.07 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 19806250 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 10321131 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10822364 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19083970 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-03-13 14:55 | 2025-03-20 08:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. Please note that our UW income calculation is based on WVOE from The Work# verification (attached), calculated based on Actual Total Earnings that were reported as of xxx, not from the paystubs since the paystubs do not clearly show total earnings. The WVOE states the Borrower works hourly; average hours worked per pay period is xxx- used average income based on YTD and xxx. YTD $xxx+ xxx $xxx/ xxx= $xxx Base income YTD OT $xxx+ xxx OT $xxx/ xxx= $xxx OT income Total income $xxx used Please review and advise. Thank you. - Seller-03/19/2025 Open-Audited DTI of 50.95% exceeds Guideline DTI of 50% Original approval submitted with DTI of 49.90%. Audited borrowers qualifying income is in the amount of $xxx and total monthly expenses of $xxx . Final DTI is at 50.95% and is exceeding minimum lending guide requirement of 50%. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. Please note that our UW income calculation is based on WVOE from The Work# verification (attached), calculated based on Actual Total Earnings that were reported as of xxx, not from the paystubs since the paystubs do not clearly show total earnings. The WVOE states the Borrower works hourly; average hours worked per pay period is xxx - used average income based on YTD and xxx. YTD $xxx+ xxx $xxx / xxx = $xxx xxx income YTD xxx $xxx + xxx OT $xxx / xxx = $xxx xxx income Total income $xxx used Please review and advise. Thank you. - Seller-03/19/2025 |
Resolved-Audited DTI of 49.92% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.53 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.52% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17179864 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3408 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 Open-**The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-03/14/2025 |
Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17179864 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3393 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 Open-**The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx , which exceeds xxx percent of the total loan amount of $xxx ; orThe loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of 8 percent of the total loan amount of $xxx or $xxx . - Due Diligence Vendor-03/14/2025 |
Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17179864 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3399 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 Open-**The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/14/2025 |
Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17179864 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3406 | 2025-03-14 06:44 | 2025-03-24 08:41 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Counter-******* Please provide documentation/invoice for actual 3rd party notary, in order for this charge to be excluded from the HC testing calculation. - Due Diligence Vendor-03/20/2025 Ready for Review-Can you please clarify what is needed in order to cure and/or clear this condition? Are you asking for the Notary fee to be cured? - Seller-03/20/2025 Open-**The loan failed the High-Cost points and fees test because it exceeded the threshold. Lender excluded the Notary fee from the test inclusion, per the final CD, the notary fee was paid to the lender's affiliate. - Due Diligence Vendor-03/17/2025 Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/14/2025 |
Ready for Review-Document Uploaded. - Seller-03/21/2025 Ready for Review-Can you please clarify what is needed in order to cure and/or clear this condition? Are you asking for the xxx fee to be cured? - Seller-03/20/2025 |
Resolved-Invoice for 3rdd party charge provided, thank you - Due Diligence Vendor-03/24/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 25.6% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19676060 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14897520 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 12332126 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19806461 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1186 | 2025-03-17 08:47 | 2025-04-01 13:41 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Audited DTI of 49.98% is less than or equal to AUS DTI of 49.98% - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Seller-04/01/2025 Counter-the DTI increase is attributed to the Gap/Credit Refresh report dated xxx show "xxx#xxx" monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx lxxx ss of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - that's a difference of $xxx - Due Diligence Vendor-03/26/2025 Ready for Review-We are not coming up with that calculation. Can you please send me the figures you are using? - Seller-03/26/2025 Counter-the xxx account has already been excluded in the ratios as being paid off at closing. the DTI increase is attributed to the Gap/Credit Refresh report dated xxx show xxx #xxx monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx xxx of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - Due Diligence Vendor-03/21/2025 Ready for Review-the xxx payoff is listed on the cd, page xxx and on the alta from title. - Seller-03/21/2025 Counter-Document Uploaded. Gap/Credit Refresh report dated xxx show xxx #xxx monthly payment increased from $xxx to $xxx - Audited Total payment $xxx + xxx xxx xxx of $xxx = $xxx - 1008 reflects Other Monthly payment total as $xxx - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Open-Audited DTI of 51.12% exceeds AUS DTI of 49.98% Audited DTI of 50.5% exceeds AUS DTI of 49.98% No evidence of xxx loan paid prior to close or at closing. No copy of Final CD for 1st mtg that closed simultaneously. Difference in DTI is $xxx. - Due Diligence Vendor-03/17/2025 |
Ready for Review-Document Uploaded. - Seller-04/01/2025 Ready for Review-We are not coming up with that calculation. Can you please send me the figures you are using? - Seller-03/26/2025 Ready for Review-the xxx payoff is listed on the cd, page xxx and on the xxx from title. - Seller-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 |
Resolved-Audited DTI of 49.98% is less than or equal to AUS DTI of 49.98% - Due Diligence Vendor-04/01/2025 |
xxx.pdf xxx.jpg xxx.jpg xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 19806461 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-03-19 16:51 | 2025-03-21 10:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD for Primary 1st Subject Lien (xxx) provided. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/20/2025 Open-File is missing mortgage statement or final CD for 1st mortgage that closed simultaneously. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. - Seller-03/20/2025 |
Resolved-Final CD for Primary 1st Subject Lien (Escrowed) provided. - Due Diligence Vendor-03/21/2025 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 19806461 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1366 | 2025-03-19 16:22 | 2025-03-21 10:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 Award Letter Missing | Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/20/2025 Open-Borrower 2 Award Letter Missing B2 started with new employer xxx xxx. The offer letter is missing from the file. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. - Seller-03/20/2025 |
Resolved-Borrower 2 Award Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx | ||
| 15744560 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17944462 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14199920 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18508838 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1339 | 2025-03-19 17:59 | 2025-03-22 07:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal xxx Statements Provided - Due Diligence Vendor-03/22/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Open-File is missing statement for xxx xxx #xxx xxx - xxx. - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. - Seller-03/21/2025 |
Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-03/22/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.95 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18508838 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | finding-47 | 2025-03-18 16:53 | 2025-03-21 09:16 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. - Seller-03/21/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/21/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.95 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18508838 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1233 | 2025-03-18 13:10 | 2025-03-21 07:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Open-The Final 1003 is Incomplete Page xxx of xxx is missing. - Due Diligence Vendor-03/18/2025 |
Ready for Review-Document Uploaded. - Seller-03/21/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/21/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.95 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16467041 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1293 | 2025-03-18 11:00 | 2025-03-30 10:39 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 Counter-Missing updated 1003 removing the "xxx" income of $xxx- Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Rebut - please see attached revised 1008. The approvals prior to CTC were included in the shipping package in error. Underwriter was able to approve the borrower with his W2 income only. Net loss from a business borrower owns should have been removed from the 1008, as that income wasn't used for qualifying. - Buyer-03/27/2025 Open-Income 2 Months Income Verified is Missing Provide income documentation and worksheet to evidence the income loss of $xxx per month as seen on the 1003 and the 1008. 1003 states income as other and no description and review is not able to determine nor confirm accuracy. xxx Loan approval page xxx requests #xxx tax returns for xxx xxx xxx and xxx xxx xxx xxx, no further info in file or on later approvals. - Due Diligence Vendor-03/18/2025 |
Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16628381 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1365 | 2025-03-19 15:24 | 2025-03-21 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 Ready for Review-Document Uploaded. - Seller-03/21/2025 Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. - Seller-03/21/2025 |
Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/21/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.60 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13096270 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18150128 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO1242 | 2025-03-19 17:36 | 2025-03-26 09:51 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Please see attached. xxx program requires either a xxx xxx OR an xxx and xxx . Subject loan included a full appraisal. Nothing else is needed. - Buyer-03/25/2025 Open-Appraisal is Missing Missing Collateral Valuation. - Due Diligence Vendor-03/19/2025 |
Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.84 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.42 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.94 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.02% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 11330523 | xxx | xxx | D | A | A | A | D | A | D | A | Closed | FCOM1233 | 2025-03-19 16:52 | 2025-03-28 07:15 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/27/2025 Open-The Final 1003 is Incomplete Section xxx was not completed by the Borrower. - Due Diligence Vendor-03/19/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-03/28/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11330523 | xxx | xxx | D | A | A | A | D | A | D | A | Closed | FPRO1242 | 2025-03-19 16:58 | 2025-03-26 09:50 | Resolved | 1 - Information | D | A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 Ready for Review-see attached. - Buyer-03/25/2025 Open-Appraisal is Missing Missing Collateral Valuation. - Due Diligence Vendor-03/19/2025 |
Resolved-Appraisal has been provided - Due Diligence Vendor-03/26/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 27.67% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.35 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14543210 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-03-20 14:45 | 2025-04-01 09:50 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ************** Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx . xxx % tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14543210 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-03-20 14:45 | 2025-04-01 09:50 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ************** Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx . xxx% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-03/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14543210 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-03-20 14:45 | 2025-03-27 13:13 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ************** Closing Fee paid to Affiliate, increased from the $xxx disclosed in the Initial Loan Estimate to an Initial Closing Disclosure and Final Closing Disclosure charge of $xxx. xxx% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/20/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12187840 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13864733 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12623597 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-03-21 16:54 | 2025-03-26 14:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Counter-Document Uploaded. Audit DTI of 51.96% appears to be due to 24 month xxx statement calculations - Audited income is $xxx vs xxx Income of $xxx. The Audited Included Totals match Lenders Totals. Please see attached Income worksheet. - Due Diligence Vendor-03/25/2025 Ready for Review-Please provide documentation that they have supporting this DTI calculation. - Seller-03/24/2025 Open-Audited DTI of 51.96% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/21/2025 |
Ready for Review-Document Uploaded. - Seller-03/26/2025 Ready for Review-Please provide documentation that they have supporting this DTI calculation. - Seller-03/24/2025 |
Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.jpg xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12594209 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18791821 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO9736 | 2025-03-24 08:31 | 2025-03-28 13:42 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Counter-Document Uploaded. Per Guidelines: New Full Appraisal or 2055 Appraisal and Appraisal Desk Review supporting value within 10% variance. Greater than 10% variance, use lower of two values - Due Diligence Vendor-03/25/2025 Ready for Review-The SSR reports have a risk of CU 2.7 and LCA 1.0. Therefore, it was not required to order a Desk Review. This is a stand alone 2nd and it’s not required. Please advise. Thank you. - Seller-03/24/2025 Open-Appraisal Desk Review is missing from loan file. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 Ready for Review-The xxx reports have a risk of CU xxx and LCA xxx . Therefore, it was not required to order a Desk Review. This is a stand alone 2nd and it’s not required. Please advise. Thank you. - Seller-03/24/2025 |
Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.61% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19322378 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12082533 | xxx | xxx | D | A | A | A | D | A | C | A | Closed | FPRO9736 | 2025-03-24 11:44 | 2025-03-28 09:40 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Counter-AVM provided (also in the Original file) however exception is requesting a "Desk Review" - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-Appraisal Desk Review is missing from the loan file. Please provide. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-Desk review provided - Due Diligence Vendor-03/28/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.20 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12082533 | xxx | xxx | D | A | A | A | D | A | C | A | Closed | FCOM1231 | 2025-03-19 13:08 | 2025-03-25 08:23 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-03/19/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/25/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.20 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17242534 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16971462 | xxx | xxx | D | A | A | A | D | A | D | A | Closed | FCOM1274 | 2025-03-20 14:01 | 2025-03-26 08:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Rebut-this is a 2nd lien in which the first is escrowed (see attached). Escrow waiver not required. - Buyer-03/25/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-03/20/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-03/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19983858 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 13298825 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-24 14:36 | 2025-03-25 08:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report & Mortgage statement (escrowed) provided for xxx xxx xxx xxx - Due Diligence Vendor-03/25/2025 Ready for Review-Document Uploaded. - Seller-03/24/2025 Open-Provide supporting documentation to verify taxes, insurances and/or HOA dues for property located at xxx xxx xxx xxx - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/24/2025 |
Resolved-Property Report & Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-03/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.13 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.13 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12350234 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10261261 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-4001 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Delivery Date Validation Test | Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 Open-**** Finding in relation to *** The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 Open-This loan failed the TRID disclosure delivery date validation test.The loan contains one of the following conditions:A revised loan estimate delivery date is before the initial loan estimate.A revised closing disclosure is before the revised closing disclosure.A closing disclosure delivery date is on or before a loan estimate delivery date.A xxx-consummation revised closing disclosure delivery date is on or before a closing disclosure delivery date or loan estimate delivery date. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 |
Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10261261 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 Open-**** Finding in relation to *** The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 |
Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10261261 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 Open-**** Finding in relation to *** The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 |
Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10261261 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxxof the CD - Seller-03/27/2025 Open-**** Finding in relation to *** The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 |
Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10261261 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3526 | 2025-03-24 17:59 | 2025-03-28 18:19 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. There's a glitched on the LOS on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 Open-*** The revised loan estimate delivery date is on or after the initial closing disclosure delivery date. The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. There's a glitched on the xxx on the initial CD when it was sent to the borrower. The initial CD was provided to the borrower on xxx per the e-sign certificate on page xxx of the CD - Seller-03/27/2025 |
Resolved-Under TILA’s §130(c) (15 U.S.C. §1640(c)) Documentation and explanation provides evidence that the violation was unintentional and occurred because of a bona fide error - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.80 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.16 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 277.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.43% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10342337 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1503 | 2025-03-21 14:38 | 2025-03-28 12:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-recently refinanced 1st Lien Note & Final HUD reflecting Taxes and Ins provided. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Please see attached. Prior 1st mortgage was recently refinanced in xxx, with the first payment due in xxx. A copy of the note, along with the final HUD 1 showing the escrow amount for taxes and insurance, are attached and what was used to qualify the borrower ($xxx). - Buyer-03/27/2025 Open-Missing mortgage statement from Select Portfolio Servicing to validate 1st P&I mortgage payment entered on Title section. - Due Diligence Vendor-03/21/2025 |
Resolved-recently refinanced 1st Lien Note & Final HUD reflecting Taxes and Ins provided. - Due Diligence Vendor-03/28/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.44 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17701377 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE2109 | 2025-03-20 07:59 | 2025-03-26 09:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Buyer-03/25/2025 Open-Missing Lender Worksheet or xxx Statement Summary xxx Statement worksheet missing for borrower. - Due Diligence Vendor-03/20/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/26/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.03 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16987571 | xxx | xxx | B | B | B | B | A | A | A | A | Closed | FCRE8611 | 2025-03-24 16:08 | 2025-03-24 16:08 | Waived | 2 - Non-Material | B | B | Credit | Income | Income/Employment General | Waived-Minimum expense factor - xxx% Subject - xxx% (Borrower is a xxx xxx xxx) Comp Factor #1 LTV Max - xxx% Subject — xxx% Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last xxx years - Due Diligence Vendor-03/24/2025 |
Waived-Minimum expense factor - 20% Subject - 10% (Borrower is a real estate agent) Comp Factor #1 LTV Max - 80% Subject — 41.04% Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last xxx - Due Diligence Vendor-03/24/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.28% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.21 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.50 Years |
Comp Factor #1 LTV Max - 80% Subject — 41.04% Comp Factor #2 Mtg Borrower has had mortgage since xxx. No later in the last 6 years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 18948113 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18979575 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18353500 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-03-25 10:23 | 2025-03-26 11:43 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Appraisal states: 3/17/25 The Subject has not been impacted in any form from the current open xxx xxxs in the Los Angeles xxx are of xxx - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Appraisal completed on 3/4/25 which was after the xxx Also, there is comment on the report - Seller-03/25/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. Appraisal completed on xxx which was after the xxx Also, there is comment on the report - Seller-03/25/2025 |
Resolved-Appraisal states: xxx The Subject has not been impacted in any form from the current open xxx declared xxxs in the xxx County are of xxx - Due Diligence Vendor-03/26/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.12% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10159689 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-03-24 10:03 | 2025-04-01 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Seller-03/31/2025 Open-Borrower 1 Gap Credit Report is Missing Per xxx xxx xxx: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within xxx days of the Note date. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/31/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10159689 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-03-24 10:03 | 2025-04-01 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025 Open-Borrower 2 Gap Credit Report is Missing Per xxx xxx xxx : The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within xxx days of the Note date. - Due Diligence Vendor-03/24/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/01/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.29 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 19541631 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 10159657 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3631 | 2025-03-25 11:25 | 2025-04-01 09:51 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *********************** • A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. xxx % tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-03/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10159657 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3634 | 2025-03-25 11:25 | 2025-04-01 09:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *********************** • A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Cured-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10159657 | xxx | xxx | D | B | A | A | C | B | D | A | Closed | finding-3632 | 2025-03-25 11:25 | 2025-03-30 10:59 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *********************** • A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Credit Report showing charge of $xxx was issued xxx. However the increased charge for a credit report was not disclosed to the borrower xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-03/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.71 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10158744 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10169566 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15889027 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10955196 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FPRO1244 | 2025-03-24 10:54 | 2025-03-31 14:13 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided. - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. - Seller-03/31/2025 Open-Document Uploaded. Per xxx xxx xxx : Investor - Full Appraisal (1004, 1025, 1073) or a 2055 Drive-by Appraisal, "both requiring:" Appraisal Desk Review supporting value within 10% variance. Missing Desk review from the loan file. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/31/2025 |
Resolved-Desk review provided. - Due Diligence Vendor-03/31/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.05 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.52 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.17 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10955196 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1161 | 2025-03-21 01:50 | 2025-03-28 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-Missing Flood Certificate - Due Diligence Vendor-03/21/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.05 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.52 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.17 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12395857 | xxx | xxx | D | A | D | A | A | A | D | A | Closed | FCRE1201 | 2025-03-25 10:59 | 2025-03-26 12:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Seller-03/25/2025 Open-Missing Third Party Fraud Report Missing Fraud report - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/25/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/26/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.88 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.33 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.7% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14196390 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19845135 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FPRO4876 | 2025-03-21 13:52 | 2025-03-28 14:40 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of xxx xxx xxx. xxx reflects no xxx or xxx to marketability and is acceptable - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. see attached xxx - Buyer-03/28/2025 Counter-Document Uploaded. Subject property Zip-code is xxx which is on the xxx xxx xxx List. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Rebut-subject property zip code is not on our xxx list (attached). - Buyer-03/27/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Subject Property xxx is xxx xxx xxx xxx xxx report is required. - Due Diligence Vendor-03/21/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-03/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.11% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.21 Years |
xxx.pdf xxx.jpg Rezaie #9399 - PDI.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19845135 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FCRE1193 | 2025-03-25 11:10 | 2025-03-26 14:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated CBR & 1008 provided. - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. Please see attached updated 1008 and excerpt from borrower's credit report. The $xxx was tagged as a mortgage in error. - Buyer-03/26/2025 Open-xxx end DTI variance due to F1008 proposed payment does not include $xxx for 2nd Mtg payment on Primary per F1003. - Due Diligence Vendor-03/25/2025 |
Resolved-Updated CBR & 1008 provided. - Due Diligence Vendor-03/26/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.11% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.21 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11795061 | xxx | xxx | D | B | D | B | C | A | A | A | Closed | FCRE1195 | 2025-03-25 17:51 | 2025-03-28 09:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-Audited CLTV of 79.87% exceeds Guideline CLTV of 75% - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.84 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Excellent credit, High Residual Income, Strong Reserves |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11795061 | xxx | xxx | D | B | D | B | C | A | A | A | Closed | FCRE1199 | 2025-03-21 19:24 | 2025-03-28 09:38 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Counter-The Exception provided states it for a CLTV exception however the condition is for the Loan Amount exceeding the Max allowed of $xxx per the Matrix used dated xxx ( Investor directive is to use the xxx date (xxx) for guidelines. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Open-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx - Due Diligence Vendor-03/21/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 |
Waived-Approved Lender Exception: Exception to apply xxx CLTV guidelines for a max CLTV of 80% with loan amount up to $xxx - Due Diligence Vendor-03/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.84 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
Excellent credit, High Residual Income, Strong Reserves |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 11795061 | xxx | xxx | D | B | D | B | C | A | A | A | Closed | finding-47 | 2025-03-25 13:52 | 2025-03-27 08:09 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. - Seller-03/26/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.84 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11795061 | xxx | xxx | D | B | D | B | C | A | A | A | Closed | FCRE7497 | 2025-03-21 20:09 | 2025-03-26 14:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Docs provided for xxx xxx xxx - Due Diligence Vendor-03/26/2025 Ready for Review-Document Uploaded. - Seller-03/26/2025 Open-For the following Property Insurance and Association docs are missing xxx xxx xxx, xxx xxx , xxx , xxx, xxx- Due Diligence Vendor-03/22/2025 |
Ready for Review-Document Uploaded. - Seller-03/26/2025 |
Resolved-Property Docs provided for xxx - Due Diligence Vendor-03/26/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.84 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16264293 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16547397 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14738390 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FPRO9736 | 2025-03-26 15:23 | 2025-04-02 12:32 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided. - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. - Seller-04/01/2025 Counter-Exception is requesting a Desk review. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-Desk review is missing from the loan file. Please provide. - Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. - Seller-04/01/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Resolved-desk review provided. - Due Diligence Vendor-04/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.15 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14738390 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FCRE1503 | 2025-03-24 15:07 | 2025-04-02 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, Mortgage, First Payment Letter and Final CD's (escrowed) were provided for newly closed properties located at xxx xxx and xxx xxx- Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. xxx – xxx– xxx xxx – Funded xxx – Note,Deed & CD attached xxx – xxx – xxx – Funded xxx – Note, Deed & CD attached. - Seller-04/02/2025 Open-xxx xxx xxx and xxx xxx xxx These Properties Mortgage Statements are Not Found in the total full doc - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. xxx xxx – xxx – xxx xxx – Funded xxx – Note,Deed & CD attached xxx xxx – xxx – xxx– Funded xxx – Note, Deed & CD attached. - Seller-04/02/2025 |
Resolved-Note, Mortgage, First Payment Letter and Final CD's (escrowed) were provided for newly closed properties located at xxx and xxx - Due Diligence Vendor-04/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.15 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14738390 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FCRE5770 | 2025-03-24 14:00 | 2025-03-28 09:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-03/24/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-03/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 76.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.15 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17390567 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16452400 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1325 | 2025-03-26 11:40 | 2025-04-08 13:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Counter-Document Uploaded. The CPA letter is missing the following verbiage: CPA/CTEC/EA confirms they have prepared the most recent year’s business tax return filing. - Due Diligence Vendor-04/02/2025 Ready for Review-Guidelines call for Letter to come from CPA/EA who prepared or reviewed the most recent 2 years. - Seller-04/01/2025 Open-Borrower 1 CPA Letter Missing Missing Tax Preparer (EA) letter confirming they have prepared the most recent years tax returns, required by gl's for P&L only program. File contains Tax Preparer Letter reflecting financial statements only supplied. - Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 Ready for Review-Guidelines call for Letter to come from CPA/EA who prepared or reviewed the most recent 2 years. - Seller-04/01/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
xxx.jpg xxx.jpg xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12022263 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-26 12:10 | 2025-03-28 10:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement, Property report and HOI policy provided for xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx- Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. - Seller-03/27/2025 Open-Missing supporting documentation to verify P and I payment for property located at xxx xxx xxx xxx xxx xxx xxx xxx xxx xxx- Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. - Seller-03/27/2025 |
Resolved-Mortgage statement, Property report and HOI policy provided for xxx - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.94% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.74 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17753795 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ***********************************Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17753795 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ***********************************Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx ------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx ) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17753795 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2025-03-27 15:33 | 2025-03-30 11:16 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx ) exceed the comparable charges ($xxx ) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ***********************************Final Closing Disclosure total of non-affiliate title and recording charges exceed 10% tolerance in the amount of xxx------ However, xxx Consummation Closing Disclosure balanced to the final charges (xxx xxx xxx ) has not been provided. Please Provide xxx Consummation Closing Disclosure as balanced to the Final Settlement figures provided by title. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-03/30/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17753795 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCOM1265 | 2025-03-27 15:40 | 2025-03-30 11:11 | Resolved | 1 - Information | C | A | Compliance | TILA | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. - Seller-03/28/2025 Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form ************ Please provided executed NOTICE OF RIGHT TO CANCEL for xxx xxx - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/28/2025 |
Resolved-Non-Borrower Title Holder Received Right of Rescission Form - Due Diligence Vendor-03/30/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17753795 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1316 | 2025-03-26 04:54 | 2025-03-28 14:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/28/2025 Ready for Review-The WVOE in the loan file is dated xxx and the Note Date is xxx - this is within days of closing and a valid VOE. Please advise. - Seller-03/28/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/26/2025 |
Ready for Review-The WVOE in the loan file is dated xxx and the Note Date is xxx - this is within days of closing and a valid VOE. Please advise. - Seller-03/28/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/28/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.13 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12955456 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14087712 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11090039 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 14039887 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19024790 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FVAL1715 | 2025-03-28 08:32 | 2025-03-31 11:44 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal Completed "Subject to but Improvements are Incomplete or Undocumented" | Resolved-The Original file contained a xxx xxx required by the appraiser stating: the appraisal report is being completed subject to a xxx xxx by an xxx professional to determine if there is an active xxx xxx or xxx xxx . The xxx xxx was located on page xxx stating after xxx of xxx , we found that there was no xxx xxx , images were provided. - Due Diligence Vendor-03/31/2025 Ready for Review-A copy of the xxx xxx , dated xxx stating "xxx xxx xxx " was provided in the closed-loan package PAGE xxx of xxx . Please review and advise. Thank you. - Seller-03/31/2025 Open-In need of xxx report as stated on pg xxx - missing in file. appraiser stated roof damage in intitial appraisal. - Due Diligence Vendor-03/28/2025 |
Ready for Review-A copy of the xxx CERT, dated xxx stating "no active leaks" was provided in the closed-loan package PAGE xxx of xxx . Please review and advise. Thank you. - Seller-03/31/2025 |
Resolved-The Original file contained a Roof Inspection required by the appraiser stating: the appraisal report is being completed subject to a roof inspection by an inspection professional to determine if there is an active roof leak or roof damage. The Roof inspection was located on xxx stating after inspection of roof, we found that there was no active leaks, images were provided. - Due Diligence Vendor-03/31/2025 |
Borrower At Current Residence For Five (5) Or More Years - validated Borrower At Current Residence For Five (5) Or More Years - 22.00 Years | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14789543 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14075474 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1267 | 2025-03-28 07:12 | 2025-04-08 07:57 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Partially Provided | Resolved-Homeownership Counseling Disclosure Is Present - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-Homeownership Counseling Disclosure Is Partially Provided Homeownership Counseling Disclosure Is Missing, lender to provide a copy of the disclosure and evidence it was provided to the borrower within 3 business days of the application date - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-Homeownership Counseling Disclosure Is Present - Due Diligence Vendor-04/08/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.05% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.73 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14745848 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1263 | 2025-03-27 16:23 | 2025-04-04 06:32 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right to Cancel form(s) do not require the xxx xxx verbiage in the signature lines, per lender comment of policy - Due Diligence Vendor-04/04/2025 Ready for Review-A trustee would not have a right to cancel the loan, only the individual. Trustee is not an owner occupant and the trust has no primary residence? xxx confirmed the doc set is done correctly. This was done correctly. - Seller-04/03/2025 Open-Right of Rescission is Partially Provided Right to Cancel form for both borrower and nonborrowing trustee, are missing the xxx xxx verbiage in the signature lines, parties have only sign as individuals. - Due Diligence Vendor-03/27/2025 |
Ready for Review-A trustee would not have a right to cancel the loan, only the individual. Trustee is not an owner occupant and the trust has no primary residence? xxx confirmed the doc set is done correctly. This was done correctly. - Seller-04/03/2025 |
Resolved-Right to Cancel form(s) do not require the Trust Authority verbiage in the signature lines, per lender comment of policy - Due Diligence Vendor-04/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.59% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17589659 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12411278 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12300213 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2025-03-27 07:30 | 2025-04-02 14:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 64.9% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. Rebut-1st mortgage balance - $xxx + $xxx (subject loan) = $xxx /$xxx = xxx %. Attached statement even showed a lower balance for the first at closing. - Buyer-03/29/2025 Open-Audited CLTV of 65.3% exceeds Guideline CLTV of 65% Updated as per Guideline - Due Diligence Vendor-03/27/2025 |
Resolved-Audited CLTV of 64.9% is less than or equal to Guideline CLTV of 65% - Due Diligence Vendor-03/30/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.19 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12300213 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1196 | 2025-03-27 07:30 | 2025-04-02 14:01 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 64.9% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. Rebut-1st mortgage balance - $xxx + $xxx (subject loan) = $xxx /$xxx = xxx %. Attached statement even showed a lower balance for the first at closing. - Buyer-03/29/2025 Open-Audited HCLTV of 65.3% exceeds Guideline HCLTV of 65% Updated as per Guideline - Due Diligence Vendor-03/27/2025 |
Resolved-Audited HCLTV of 64.9% is less than or equal to Guideline HCLTV of 65% - Due Diligence Vendor-03/30/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.19 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16707346 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-03-26 10:25 | 2025-03-30 10:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI Policy provided. - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 Open-Missing verification of insurance is missing for the property"xxx xxx xxx xxx " - Due Diligence Vendor-03/26/2025 |
Resolved-HOI Policy provided. - Due Diligence Vendor-03/30/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.62 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16707346 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-03-28 12:22 | 2025-03-30 10:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreement provided for xxx xxx xxx xxx (2 year Lease agreement) verifying monthly rent as $xxx - Due Diligence Vendor-03/30/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2025 Open-Missing lease agreement for property located at xxx xxx xxx xxx to verify rental income of $xxx /mo - Due Diligence Vendor-03/28/2025 |
Resolved-Lease Agreement provided for xxx (2 year Lease agreement) verifying monthly rent as $xxx - Due Diligence Vendor-03/30/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.61 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.62 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10675213 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19559235 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11292849 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14836438 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2025-03-28 16:31 | 2025-04-04 13:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1003 removing xxx xxx xxx . as it's in the name of an xxx - Final CD for xxx xxx xxx (xxx ) xxx xxx xxx (xxx ) Mortgage statement for xxx xxx xxx xxx (xxx ) Provided. - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Please see attached. Note-the HOI for xxx xxx xxx xxx is escrowed. Mtg statement attached. And xxx xxx xxx . is in the name of an xxx and not included in the borrower's DTI. Updated 1003 removing this property is attached. - Buyer-04/04/2025 Open-Missing note, CD, and hazard insurance policy for xxx xxx xxx, xxx xxx xxx. xxx xxx xxx xxx hazard insurance policy missing. Missing verification of PI, tax, insurance and HOA for xxx xxx xxx, the final loan application does not list any mortgage, tax/ins/HOA. - Due Diligence Vendor-03/28/2025 |
Resolved-Updated 1003 removing xxx. as it's in the name of an LLC - Final CD for xxx (Escrowed) xxx (Escrowed) Mortgage statement for xxx (Escrowed) Provided. - Due Diligence Vendor-04/04/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14836438 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE1296 | 2025-03-31 08:30 | 2025-04-02 13:21 | Waived | 2 - Non-Material | C | B | Credit | Income | Income 5 Months Income Verified is Missing | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/01/2025 Open-Income 5 Months Income Verified is Missing Missing k-1s for all business entities. Missing returns for those entities where borrower has ownership interest >25%. - Due Diligence Vendor-03/31/2025 |
Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
Mortgage - B is a professional investor and has numerous mortgages dating back to xxx No lates reported on any of the trades DTI - Max - 50% Subject - <30% |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 14836438 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE9942 | 2025-03-31 08:27 | 2025-04-02 13:21 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Income - Business Tax Returns | Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/01/2025 Open-Missing K-1 for xxx xxx xxx , xxx xxx xxx , xxx-xxx xxx xxx xxx xxx , xxx xxx xxx , xxx xxx xxx xxx, xxx, xxx xxx xxx xxx xxx xxx . Missing LOE regarding ownership interest on each of these companies. Missing business return on all companies borrower has ownership interest >25%. DTI to be adjusted once documentation is reviewed. - Due Diligence Vendor-03/31/2025 |
Waived-Approved Lender Exception: Exception to not require the multiple returns for businesses not used for qualifying. Included the total net losses from Schedule E in DTI - Due Diligence Vendor-04/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
Mortgage - B is a professional investor and has numerous mortgages dating back to xxx No lates reported on any of the trades DTI - Max - 50% Subject - <30% |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 14836438 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE1195 | 2025-03-28 16:52 | 2025-04-02 13:18 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Max for xxx xxx - 70% Subject - xxx% (okay'd by xxx xxx). New matrix allows for the higher LTV - Due Diligence Vendor-04/02/2025 Ready for Review-Please see attached. - Buyer-04/01/2025 Open-Audited CLTV of 75% exceeds Guideline CLTV of 70% Lender approved exception for 75% CLTV Missing. - Due Diligence Vendor-03/30/2025 |
Mortgage - B is a professional investor and has numerous mortgages dating back to xxx No lates reported on any of the trades DTI - Max - 50% Subject - <30% - 04/02/2025 |
Waived-Approved Lender Exception: Max for 2-4 Units - 70% Subject - 75% (okay'd by xxx). New matrix allows for the higher LTV - Due Diligence Vendor-04/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.21 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.22 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 18742671 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FVAL1310 | 2025-03-27 17:06 | 2025-04-10 10:00 | Resolved | 1 - Information | D | A | Property | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/02/2025 Open-HOA Questionnaire Document status is Missing. Missing HOA questionnaire or xxx project condo approval for limited review. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/02/2025 |
Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-04/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.44 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.45 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15909401 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 16903878 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 14945383 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14134535 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12156809 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1294 | 2025-03-27 17:12 | 2025-04-01 08:59 | Resolved | 1 - Information | C | A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. Income is from asset depletion, the statements are within the assets package in the CLP upload, starting on page xxx of xxx. This was also explained on the 1008 (attached) - Seller-03/31/2025 Open-Income 3 Months Income Verified is Missing Borrower Other Income Documents are not provided please provide other income documents, however borrower qualifying other income is $ xxx- Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. Income is from asset depletion, the statements are within the assets package in the CLP upload, starting on page xxx of xxx. This was also explained on the 1008 (attached) - Seller-03/31/2025 |
Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/01/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.61 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.89% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.61 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12098752 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-03-28 14:11 | 2025-04-08 08:23 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. **** (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx, effective xxx and signed by the appraiser xxx. However the additional charge(s) for the 1007 was not disclosed to the borrower until xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12098752 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-03-28 14:11 | 2025-04-08 08:23 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. **** (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx , effective xxx and signed by the appraiser 2/24/2025. However the additional charge(s) for the 1007 was not disclosed to the borrower until 3/18/2025. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12098752 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-03-28 14:11 | 2025-04-08 08:23 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). **** (§ 1026.19(e)(4)(i); Comment 19(e)(4)(i)-1). A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. The Appraisal was paid by borrower xxx , effective xxx and signed by the appraiser xxx. However the additional charge(s) for the 1007 was not disclosed to the borrower until xxx. The additional/increase to disclosed charge(s) violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.29% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12544974 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1263 | 2025-03-27 09:57 | 2025-04-01 08:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Seller-03/31/2025 Open-Right of Rescission is Partially Provided The Notice of Right to Cancel, executed by xxx xxx xxx xxx, has not been provided. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-03/31/2025 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/01/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.42 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.64% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.35 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.36 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12409278 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FCRE5790 | 2025-03-27 14:17 | 2025-04-08 10:20 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/08/2025 Ready for Review-Gap report attached - Seller-04/07/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date). - Due Diligence Vendor-03/27/2025 |
Ready for Review-Gap report attached - Seller-04/07/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/08/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.06 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12409278 | xxx | xxx | D | A | C | A | A | A | D | A | Closed | FCRE1193 | 2025-03-27 13:35 | 2025-03-31 15:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.5% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 Ready for Review-Document Uploaded. - Seller-03/31/2025 Open-Audited DTI of 50.55% exceeds Guideline DTI of 50% Monthly HOA fees of $xxx (pg xxx) for second home was not initially figured into DTI causing ratios to exceed. Audited DTI of 50.26% exceeds Guideline DTI of 50% - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/31/2025 |
Resolved-Audited DTI of 46.5% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/31/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.05% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.05 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.06 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10298661 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19564310 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3408 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-**Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: ( 12 CFR §1026.34(a)(8)(i) )The loan provides for a late payment fee in excess of xxx% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed xxx percent of the amount of the payment past due. No such charge may be imposed more than xxx for a single late payment. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-1260 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | WI RHCMLA Covered Loan HOEPA High Cost Threshold Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-**Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 Open-This loan failed the HOEPA high cost threshold test.( WI AB 792, WI Statutes 428.202 (2)(d)(1) )The loan is a HOEPA high-cost mortgage. The loan is considered a mortgage under 15 USC 1602 (bb) and regulations adopted thereunder, including 12 CFR 226.32. More information on why the loan is a HOEPA high-cost mortgage can be found in the HOEPA (Sections 32, 35) or Federal High-Cost Mortgage (HOEPA - Amended) section of the loan report. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3393 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-**Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: ( 12 CFR §1026.32(a)(1)(ii)(A), (B) )The loan amount is $xxx or more, and the transaction's total points and fees is $xxx, which exceeds xxx percent of the total loan amount of $xxx ; orThe loan amount is less than $xxx and the transaction's total points and fees is $xxx, which exceeds the lesser of xxx percent of the total loan amount of $xxx or $xxx. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3399 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-**Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3406 | 2025-03-27 02:56 | 2025-04-14 09:46 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-**Loan Failed the High-Cost Points and Fees test because it exceeded the threshold. In review of the lender's xxx report, the lender excluded the Title Closing Fee paid to the affiliate of lender. - Due Diligence Vendor-03/30/2025 Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-03/27/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Restitution PCCD, LOE, Copy of check and proof of mailing received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 10466240 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE1332 | 2025-03-27 00:13 | 2025-03-31 11:56 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-03/31/2025 Resolved-File contained 2 Paystubs for Bwr, First paystub dated xxx (pay dates through xxx-xxx) and second paystub dated xxx(pay dates through xxx-xxx) both from employer "xxx xxx xxx" - Due Diligence Vendor-03/31/2025 Ready for Review-The paystub needs to cover a 30 day period, we provided March YTD paystubs that meets the min 30 day earnings requirement. Please review and advise. Thank you. - Seller-03/31/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-03/27/2025 |
Ready for Review-The paystub needs to cover a xxx day period, we provided xxx YTD paystubs that meets the min xxx day earnings requirement. Please review and advise. Thank you. - Seller-03/31/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-03/31/2025 Resolved-File contained 2 Paystubs for Bwr, First paystub dated xxx (pay dates through xxx-xxx) and second paystub dated xxx (pay dates through xxx-xxx) both from employer "xxx" - Due Diligence Vendor-03/31/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.35 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | ||
| 15008487 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12088148 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18525382 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17248474 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14141124 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10507952 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12840968 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-03-28 03:34 | 2025-04-02 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. - Seller-04/01/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. - Seller-04/01/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/02/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12840968 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1195 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.94% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/31/2025 Open-Audited CLTV of 80.16% exceeds Guideline CLTV of 80% - Due Diligence Vendor-03/28/2025 |
Resolved-Audited CLTV of 79.94% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-03/31/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 12840968 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1200 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-03/31/2025 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-03/28/2025 |
Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-03/31/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 12840968 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1196 | 2025-03-28 03:58 | 2025-03-31 18:54 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of 79.94% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/31/2025 Open-Audited HCLTV of 80.16% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-03/28/2025 |
Resolved-Audited HCLTV of 79.94% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-03/31/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.10 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 12285422 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18005728 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19635823 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16019766 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1292 | 2025-03-28 17:15 | 2025-04-02 13:43 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. xxx xxx statements - Seller-04/01/2025 Open-Income 1 Months Income Verified is Missing The Borrower's business xxx statements used to calculate income are missing from the loan file. - Due Diligence Vendor-03/28/2025 |
Ready for Review-Document Uploaded. xxx bank statements - Seller-04/01/2025 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-04/02/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.96% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.99 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 33.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 11414043 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16328395 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-01 13:08 | 2025-04-03 08:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2025 Ready for Review-The WVOE was provided and dated xxx, the Note date is xxx, this is a matter of (xxx) days - this is within the guidelines and should be sufficient since all other income documentation was provided. Please advise! Thank you. - Seller-04/02/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing . The lender's guidelines require a verbal VOE from each employer within xxx-days of the note date for wage borrowers. The xxx VOE from xxx xxx is missing. - Due Diligence Vendor-04/01/2025 |
Ready for Review-The WVOE was provided and dated xxx, the Note date is xxx , this is a matter of (xxx) days - this is within the guidelines and should be sufficient since all other income documentation was provided. Please advise! Thank you. - Seller-04/02/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16932615 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13095280 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18583947 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10943973 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2025-04-02 16:02 | 2025-04-03 11:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 89.06% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/02/2025 Open-Audited CLTV of 89.06% exceeds Guideline CLTV of 85% - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/02/2025 |
Resolved-Audited CLTV of 89.06% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-04/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15839168 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 12491788 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1332 | 2025-03-31 19:00 | 2025-04-04 14:11 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/04/2025 Ready for Review-The borrower has been on the job for xxx yrs the Paystub has over xxx months YTD earnings listed. The YTD covers the xxx days worth of income requirement. Can you please review and advise? Thank you. - Seller-04/04/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided. - Due Diligence Vendor-03/31/2025 |
Ready for Review-The borrower has been on the job for 7 yrs the Paystub has over xxx months YTD earnings listed. The YTD covers the xxx days worth of income requirement. Can you please review and advise? Thank you. - Seller-04/04/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/04/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.50 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15914354 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18922151 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17759985 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11944198 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10632769 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 15147454 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 14683866 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16705921 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-04-01 15:45 | 2025-04-07 07:51 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/07/2025 Ready for Review-Rebut -Escrow waiver not required on 2nd mortgages. - Buyer-04/04/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-04/01/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.55% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16705921 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-04-01 06:44 | 2025-04-07 07:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/04/2025 Open-The Note is Missing - Due Diligence Vendor-04/01/2025 |
Resolved-The Note is Present - Due Diligence Vendor-04/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.55% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14792416 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2025-04-03 09:23 | 2025-04-04 13:51 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2025 Ready for Review-Document Uploaded. Concur - Please see attached revised 1008 and lock, along with the most recent statement reflecting the current balance. CLTV is still within guidelines. - Buyer-04/04/2025 Open-1008/Underwriting Summary Partially Provided Provide corrected 1008 and approval for CLTV. 1008 reflects CLTV of 82.425% which is based on 1st lien of $xxx. Borrower recently refinanced the home and 1st lien balance per the most recent mortgage statement is $xxx with a CLTV of 86.40%. Possible pricing issue. - Due Diligence Vendor-04/03/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12890795 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-04-03 15:11 | 2025-04-08 15:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Please see attached revised 1008 and income calculation worksheet. - Buyer-04/08/2025 Open-Audited DTI of 50.87% exceeds Guideline DTI of 50% Provide documentation to support the use of $xxx as qualifying base income. - Due Diligence Vendor-04/03/2025 |
Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.58 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.04% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.48 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.50 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18806247 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11089492 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1511 | 2025-04-04 09:38 | 2025-04-08 15:33 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Borrower is no xxx purchasing the property located at xxx xxx xxx - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Please be advise that the property located at: xxx xxx xxx. Did not close. There were some issues with the property to resolve before closing. The U/W added the debt to the borrowers’ ratios. See the attached updated 1008. - Seller-04/07/2025 Open-Provide the final executed copy of the closing settlement statement for xxx xxx xxx . - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Please be advise that the property located at: xxx xxx xxx . Did not close. There were some issues with the property to resolve before closing. The U/W added the debt to the borrowers’ ratios. See the attached updated 1008. - Seller-04/07/2025 |
Resolved-Borrower is no loner purchasing the property located at xxx - Due Diligence Vendor-04/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11089492 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE9814 | 2025-04-02 14:41 | 2025-04-07 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Cert Provided. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. - Seller-04/04/2025 Open-Provide copy of Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by Title Company. - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/04/2025 |
Resolved-Trust Cert Provided. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11089492 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | finding-3631 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. - Seller-04/04/2025 Open-***Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/04/2025 |
Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11089492 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | finding-3632 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. - Seller-04/04/2025 Open-***Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/04/2025 |
Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11089492 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | finding-3634 | 2025-04-02 16:56 | 2025-04-07 08:48 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. - Seller-04/04/2025 Open-***Discount Points Fee increased from $xxx to $xxx in the Final CD. Original file does not contain a valid xxx in relation to the increase. - Due Diligence Vendor-04/03/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/04/2025 |
Resolved-COC for lock extension provided - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.25 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.84 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14332871 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | FPRO9736 | 2025-04-04 16:08 | 2025-04-10 08:23 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Counter-Missing AVM/Desk review from file. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. - Seller-04/05/2025 Open-Appraisal review (SSR, CDA, AVM) is missing from loan file. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/05/2025 |
Resolved-desk review provided - Due Diligence Vendor-04/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years |
xxx.pdf xxx.pdf xxx.PDF |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14332871 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | finding-47 | 2025-04-02 13:49 | 2025-04-09 07:56 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-******* Borrower executed documents on xxx .Please Provide xxx xxx Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.24 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18575625 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13331332 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10193556 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15833391 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2025-04-03 07:32 | 2025-04-09 08:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Right of Rescission is Missing - Due Diligence Vendor-04/06/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15833391 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1263 | 2025-04-09 08:23 | 2025-04-09 08:31 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 Open-Right of Rescission is Partially Provided - Due Diligence Vendor-04/09/2025 |
Resolved-Right of Rescission is Provided - Due Diligence Vendor-04/09/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17629644 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10664315 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11990175 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13276991 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-04-02 19:43 | 2025-04-08 08:04 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/05/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/08/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14697562 | xxx | xxx | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-04-07 11:19 | 2025-04-10 14:17 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster xxx. | Resolved-Property located outside of immediate impact xxx. xxx reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. - Seller-04/09/2025 Counter-The appraisal does not address the recent xxx xxx - Due Diligence Vendor-04/07/2025 Ready for Review-The Appraisal report (03/07/2025) was completed after the xxx incident end date 01/31/2025. - Seller-04/07/2025 Open-Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. Property is located in a xxx xxx xxx and requires a xxx-xxx xxx. - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. - Seller-04/09/2025 Ready for Review-The Appraisal report (xxx) was completed after the xxx incident end date xxx. - Seller-04/07/2025 |
Resolved-Per xxx directive, property located outside of immediate impact xxx. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-04/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16626676 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-04-04 10:48 | 2025-04-10 10:51 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Buyer-04/09/2025 Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC’ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****************The charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 |
Ready for Review-We received the invoice for xxx on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC’ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.67 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16626676 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-04-04 10:48 | 2025-04-10 10:51 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC’ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Buyer-04/07/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****************The charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. 0% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.67 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16626676 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-04-04 10:48 | 2025-04-10 10:23 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 Counter-• A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. Documentation provided indicates the approval would need an AVM/PCI even earlier than the invoice paid date. Information sufficient to establish a changed circumstance to determine borrower would incur an undisclosed AVM fee first appears in the Lock Confirmation xxx. If an amount is unknown when sufficient knowledge the charge will be incurred, then an over-disclosed charge to the borrower should be disclosed, rather than xxx. xxx violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/08/2025 Ready for Review-We received the invoice for PCI on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC’ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****************The charge for the Property Condition xxx disclosed to borrower on xxx, has an invoice paid invoice date of xxx. It therefore, violates COC timing rules. xxx% tolerance violation in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Enclosed is the revised PCCD, LOE, copy of the check and proof of delivery. - Seller-04/09/2025 Ready for Review-We received the invoice for xxx on xxx, we do the COC based off the date we receive the invoice as it comes from the broker and we have no way of COC’ing that change prior to receiving the information (the invoice proof). This one was done correctly. - Seller-04/07/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.99% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.67 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16869660 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11476794 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2025-04-02 09:02 | 2025-04-07 12:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/05/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/02/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 17.15% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15793756 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3352 | 2025-04-03 13:46 | 2025-04-08 08:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. see attached proof of appraisal delivery to borrower via email. check timestamp - Buyer-04/07/2025 Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.***************Unable to determine if loan is HPML Compliant. 1026.35(c)(6)(ii)(a) Copy of appraisals —(A) No later than three business days prior to consummation of the loan. Lender to provide evidence that the borrower received a copy of the Appraisal at least three business days prior to consummation. - Due Diligence Vendor-04/04/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.04 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12973465 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19241439 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1195 | 2025-04-03 03:56 | 2025-04-08 10:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.86% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Rebut - Please see attached. - Buyer-04/07/2025 Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-04/03/2025 |
Resolved-Audited CLTV of 79.86% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18867477 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-03 01:51 | 2025-04-11 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.75 Years |
Provide the Third-Party employment verification, for Borrower and Co-Borrower, completed prior to the Note date. | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 18867477 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-04-03 01:51 | 2025-04-11 14:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. - Seller-04/09/2025 Open-Borrower 1 CPA Letter Missing Provide two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. - Seller-04/09/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/10/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.75 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18867477 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7805 | 2025-04-03 02:22 | 2025-04-08 11:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-xxx xxx & xxx xxx B/S provided. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-For the borrower "xxx xxx xxx" xxx and xxx month xxx statement is missing in the file to verify the income - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-xxx & xxx B/S provided. - Due Diligence Vendor-04/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.79 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.75 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11865938 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-04-07 10:32 | 2025-04-14 10:05 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ****** Credit report dated 2/5/2025 indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11865938 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-04-07 10:32 | 2025-04-14 10:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ****** Credit report dated xxx indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-04/14/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11865938 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-04-07 10:32 | 2025-04-14 10:05 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****** Credit report dated xxx indicates a charge of $xxx. However, the increased charge to the borrower was not disclosure until xxx. The additional/increase to disclosed appraisal(s) charge violates COC timing rules. xxx% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/14/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12869862 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-04-03 09:39 | 2025-04-08 15:03 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. That is because you added the xxx payment with xxx xxx xxx, however the xxx pays it. Please see attached xxx statements for the xxx, showing the xxx payment is paid by xxx, not our borrower. Please advise. Thank you. - Seller-04/08/2025 Open-Audited DTI of 51.48% exceeds Guideline DTI of 50% Calculated DTI of 51.48% exceeds Guideline DTI of 50% - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. That is because you added the xxx payment with xxx xxx xxx , however the xxx pays it. Please see attached xxx statements for the xxx , showing the xxx payment is paid by him, not our borrower. Please advise. Thank you. - Seller-04/08/2025 |
Resolved-Audited DTI of 50% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/08/2025 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13052227 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-04 06:51 | 2025-04-09 14:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Hello, xxx xxx xxx property is impounded. The insurance and taxes amount is showing on the xxx mortgage statement, thank you. - Seller-04/08/2025 Open-Tax is missing for "xxx xxx xxx" - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Hello, xxx xxx xxx property is impounded. The insurance and taxes amount is showing on the xxx mortgage statement, thank you. - Seller-04/08/2025 |
Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.49% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13052227 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-04-03 02:26 | 2025-04-09 14:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.49% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13927219 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-04 06:50 | 2025-04-09 14:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Hello, the insurance and taxes for xxx xxx xxx property are impounded and is showing on the xxx mortgage statement. Thank you. - Seller-04/08/2025 Open-Tax missing for "xxx xxx xxx " - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. Hello, the insurance and taxes for xxx xxx xxx property are impounded and is showing on the xxx mortgage statement. Thank you. - Seller-04/08/2025 |
Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.18% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13927219 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-04-03 00:26 | 2025-04-09 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Counter-Please provide third party fraud report - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/03/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-04/09/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.18% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12060669 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15264340 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-06 15:55 | 2025-04-07 15:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/07/2025 Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit report - Due Diligence Vendor-04/06/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/07/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.23 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17050497 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1254 | 2025-04-06 16:08 | 2025-04-08 09:53 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-LOE provided from xxx xxx xxx stating - Per xxx xxx , requires that xxx file a notice called a "xxx xxx xxx xxx xxx xxx xxx , The statue states that the notice does not constitute a title defect, Lien or encumbrance against real property - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Rebut-xxx in question is not a lien against the property but against the panels. Not required to be paid off. - Buyer-04/07/2025 Open-xxx Lien reflecting on title. Per G/L : xxx liens must be paid-off prior to or at closing. No evidence in file indicating this xxx has been paid. - Due Diligence Vendor-04/06/2025 |
Resolved-LOE provided from xxx stating - Per xxx Law, requires that xxx file a notice called a "Notice of an xxx Contract, The statue states that the notice does not constitute a title defect, Lien or encumbrance against real property - Due Diligence Vendor-04/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17050497 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2025-04-03 04:08 | 2025-04-08 09:46 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved Lender Exception: Minimum - $xxx Subject - $xxx - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/07/2025 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx As for guideline minimum loan amount is $xxx and as per documents audited loan amount is $xxx . - Due Diligence Vendor-04/03/2025 |
Waived-Approved Lender Exception: Minimum - $xxx Subject - $xxx - Due Diligence Vendor-04/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Mortgage: 41+ months reported. No lates LTV - Max - 90% Subject - 85% |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 16667083 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-07 16:39 | 2025-04-09 13:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. Please see attached. This is a xxx xxx on xxx acres of land. NO Hoa. - Buyer-04/08/2025 Open-Provide a letter of explanation or documentation regarding HOA fees for xxx xxx xxx xxx. - Due Diligence Vendor-04/07/2025 |
Resolved-Lender provided additional information. - Due Diligence Vendor-04/09/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.24 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12346311 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-04-07 00:43 | 2025-04-09 08:12 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-******* Borrower executed documents on 3/28/2025.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-04/08/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/09/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 549 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14892745 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM3987 | 2025-04-08 09:24 | 2025-04-11 09:14 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing evidence required disclosure provided at closing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Disclosure Attached. - Seller-04/10/2025 Open-• **Missing Co-Borrower disclosure when there is a signer on the note that is not vested on the property, the Federal Trade Commission's (FTC) Credit Practices Rule requires creditors to provide a "Notice to Cosigner" to a cosigner before they become obligated on a loan. xxx xxx xxx -xxx is not vested on the property. - Due Diligence Vendor-04/08/2025 |
Ready for Review-Document Uploaded. Disclosure Attached. - Seller-04/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14892745 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2025-04-07 03:29 | 2025-04-11 09:14 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Attached is all CDs, email signed by both borrowers confirm receipt of xxx CD. - Seller-04/10/2025 Open-*****************Documentation provided does not include proof of the xxx Initial Closing Disclosure receipt by borrower. - Due Diligence Vendor-04/08/2025 |
Ready for Review-Document Uploaded. Attached is all CDs, email signed by both borrowers confirm receipt of xxx CD. - Seller-04/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18066673 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-07 08:54 | 2025-04-08 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/08/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Provide the Homeowners Insurance Policy with the annual premium amount noted. - Due Diligence Vendor-04/07/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-04/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.48 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.96% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10421342 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12633099 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17569983 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 15305356 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-04-04 21:04 | 2025-04-10 12:32 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx . - Seller-04/09/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). AS Per Guide Line With in 15 Days - Due Diligence Vendor-04/05/2025 |
Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx. - Seller-04/09/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15305356 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2025-04-04 21:04 | 2025-04-10 12:32 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx . - Seller-04/09/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). AS Per Guide Line With in 15 Days - Due Diligence Vendor-04/05/2025 |
Ready for Review-Please reference the PreClose Credit Report, dated xxx (Note date is xxx) provided in the Closed-Loan package upload. It can be located on page xxx of xxx. - Seller-04/09/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-04/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10192847 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19924825 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17153206 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18332290 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16500194 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18431761 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14846143 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-04-08 13:35 | 2025-04-10 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 Open-Borrower 1 first income is "xxx xxx xxx " Income using xxx , However the xxxTax return and xxx along with xxx document missing in the loan package. - Due Diligence Vendor-04/08/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.19 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 14846143 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-08 13:27 | 2025-04-10 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing for borrower. - Due Diligence Vendor-04/08/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.19 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14846143 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2025-04-08 13:27 | 2025-04-10 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/10/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/09/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE is missing for borrower. - Due Diligence Vendor-04/08/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.19 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.19 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.50 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13462864 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16459947 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 12671200 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-04-09 18:47 | 2025-04-11 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Please see attached. Shareholder Agreement provided to confirm borrower's ownership percentage. CPA letter not required. - Buyer-04/10/2025 Open-Borrower 1 CPA Letter Missing File missing CPA letter confirming ownership % and number of years prepared taxes. - Due Diligence Vendor-04/09/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/11/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.24% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.24 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 12671200 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1355 | 2025-04-09 18:47 | 2025-04-11 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. Please see attached. Shareholder Agreement provided to confirm borrower's ownership percentage. CPA letter not required. - Buyer-04/10/2025 Open-Borrower 2 CPA Letter Missing File missing CPA letter confirming ownership % and number of years prepared taxes. - Due Diligence Vendor-04/09/2025 |
Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-04/11/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.25 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.83 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.24% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.24 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.25 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 16967855 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10808683 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19068711 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13662566 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE9814 | 2025-04-10 12:21 | 2025-04-11 08:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Agreement provided for xxx xxx xxx xxx xxx dated xxx xxx, xxx- Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. - Seller-04/10/2025 Open-Provide a copy of the Trust Agreement or Trust Certificate (where allowed by law) reviewed and approved by the title company. - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/10/2025 |
Resolved-Trust Agreement provided for xxx dated xxx - Due Diligence Vendor-04/11/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11097496 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16272027 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-2502 | 2025-04-09 10:51 | 2025-04-14 10:09 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | CT Nonprime Home Loan Test | Resolved-informational - Due Diligence Vendor-04/14/2025 Open-This loan failed the xxx nonprime home loan test.The loan is a nonprime home loan, as defined in the legislation. For more information please see the xxx Nonprime Home Loan Article section of the full ComplianceAnalyzer report.While the xxx Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Due Diligence Vendor-04/09/2025 |
Resolved-informational - Due Diligence Vendor-04/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.26 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16272027 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3540 | 2025-04-09 10:51 | 2025-04-14 10:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 Ready for Review-see attached - Buyer-04/11/2025 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of xxx, during the business day immediately preceding consummation, but the creditor may omit from xxx items related only to the seller's transaction. *** Evidence of the Revised CD received date, sent xxx, not in the original file and is required to be received by the consumer 3 business days prior to consummation. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.26 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14706945 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11702525 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16405521 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-04-09 02:00 | 2025-04-21 08:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 Open-Borrower 1 Business xxx Statements Missing Missing business xxx statements. DTI and income will be updated once received. - Due Diligence Vendor-04/09/2025 |
Ready for Review-Document Uploaded. - Seller-04/18/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12277172 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 14826396 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3652 | 2025-04-10 11:32 | 2025-04-25 08:19 | Cured | 2 - Non-Material | C | B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD received - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). **The total of specific and non-specific lender credits decreased in the final CD. Lender credit cannot decrease without a valid coc. - Due Diligence Vendor-04/11/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-04/25/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.38 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.38 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10969584 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1335 | 2025-04-10 12:20 | 2025-04-14 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Borrower 1 IRS Transcripts Missing W2 transcripts are missing - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-04/14/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.51% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10969584 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-10 13:01 | 2025-04-14 09:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Borrower 1 Gap Credit Report is Missing credit pulled over 30 days before close date. did not see credit gap letter in documents - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/14/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.51% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15180811 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2025-04-10 11:53 | 2025-04-14 10:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/12/2025 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-04/10/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/14/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.26 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.29% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.26 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12474064 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14418497 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19839080 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1332 | 2025-04-10 02:07 | 2025-04-14 14:01 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/14/2025 Ready for Review-The borrower has been on the job for over xxx years the paystub has 2 months YTD earnings listed on it. The YTD earnings covers the 30 days worth of income requirement. - Seller-04/14/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided As per Guideline required only 30 days earnings - Due Diligence Vendor-04/10/2025 |
Ready for Review-The borrower has been on the job for over xxx years the paystub has xxx months YTD earnings listed on it. The YTD earnings covers the xxx days worth of income requirement. - Seller-04/14/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/14/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15990909 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13240450 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 18444877 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18074278 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11721443 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15450701 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19819330 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12895245 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11804259 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 15509947 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18900419 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | FCOM1292 | 2025-04-15 11:19 | 2025-04-24 13:57 | Acknowledged | 2 - Non-Material | C | B | Compliance | Right to Rescind | Creditor did not provide the appropriate Right to Cancel Form Model (new creditor with H-9 form type) | Acknowledged-Acknowledged in comment: H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. Finding downgraded to non-material - Due Diligence Vendor-04/24/2025 Ready for Review-can we escalate this. our compliance folks don't believe this to be an issue. - Buyer-04/15/2025 Open-Loan Purpose is xxx and Creditor did not provide the appropriate Right to Cancel Form Model (New creditor with H-9 form type). - Due Diligence Vendor-04/15/2025 |
Acknowledged-Acknowledged in comment: H-9 contains additional verbiage that informs the borrower that the right of rescission applies only to the new credit transaction and does not allow rescission of the prior loan. Right to Cancel period and information is substantially included in both form H-8 and H-9. Finding downgraded to non-material - Due Diligence Vendor-04/24/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.25 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No | xxx | |||
| 19262160 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 14814486 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18689167 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1342 | 2025-04-11 19:30 | 2025-04-15 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-04/15/2025 Ready for Review-Document Uploaded. - Buyer-04/15/2025 Counter-Missing the xxx xxx xxx xxx statement, Please provide. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Buyer-04/14/2025 Open-Borrower 1 xxx xxx Statements Missing xxx statements used to qualify Borrower are missing from the file. - Due Diligence Vendor-04/11/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-04/15/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.01 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18689167 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2025-04-11 17:29 | 2025-04-14 12:10 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Buyer-04/14/2025 Open-***• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. -----per documentation provided ICD should be dated xxx - Due Diligence Vendor-04/12/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.01 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18689167 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM8227 | 2025-04-12 09:52 | 2025-04-14 12:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 Ready for Review-Document Uploaded. - Buyer-04/14/2025 Open-Evidence of Rate Lock Missing Missing Locked LE **** Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. --- per documentation provided last/locked LE issued xxx has not been provided - Due Diligence Vendor-04/12/2025 |
Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-04/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.01 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17610430 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-14 02:23 | 2025-04-16 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025 Ready for Review-Document Uploaded. GAP CREDIT REPORT - Seller-04/16/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/14/2025 |
Ready for Review-Document Uploaded. GAP CREDIT REPORT - Seller-04/16/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/16/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.4% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15625488 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE1254 | 2025-04-15 13:46 | 2025-05-21 08:19 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Counter-Page 2 of the uploaded conveyance deed indicates an incomplete notary date for signor xxx xxx. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open- ***************** Conveyance Deed and documentation to convey title from xxx xxx and xxx xxx to xxx xxx, has not been provided - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/21/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15625488 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3647 | 2025-04-15 13:50 | 2025-05-01 08:53 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | NY Subprime Home Loan Initial Loan Estimate Delivery Date Validation Test | Resolved-*** Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change. LE issue date of xxx, pass xxx xxx , resolved based on loan product change date. - Due Diligence Vendor-05/01/2025 Ready for Review-This isn't a xxx xxx loan and the LE date is xxx - Seller-04/30/2025 Open-This loan failed the xxx xxx xxx home loan initial loan estimate delivery date validation test. (xxx xxx Law 6-m §14(b))The initial loan estimate delivery date was not provided.The initial loan estimate delivery date is required to determine the "fully indexed rate" as used in the xxx xxx xxx home loan definition. xxx xxx Disclosure has not been provided - Due Diligence Vendor-04/15/2025 |
Ready for Review-This isn't a xxx xxx loan and the LE date is xxx - Seller-04/30/2025 |
Resolved-*** Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change. LE issue date of xxx, pass xxx Subprime, resolved based on loan product change date. - Due Diligence Vendor-05/01/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15625488 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCOM1080 | 2025-04-14 11:25 | 2025-04-25 08:28 | Resolved | 1 - Information | C | A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-*** Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Open-************* Application xxx originated for a xxx . Transaction changed to a xxx xxx / xxx consumer purpose loan type on or before xxx . Please provided complete COC event dates and TRID disclosure package to include Service Provider List, that was sent to the borrower. ***Compliance tests provided indicate an Initial LE and service provider list was provided xxx - Please send these items - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 |
Resolved-*** Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15625488 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCOM3957 | 2025-04-14 11:21 | 2025-04-25 08:24 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-*** Loan Type Changed from xxx at application, to xxx xxx . LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 Open-************* Application xxx originated for a xxx . Transaction changed to a xxx xxx / xxx consumer purpose loan type on or before xxx . Please provided complete COC event dates and TRID disclosure package to include Service Provider List, that was sent to the borrower. ***Compliance tests provided indicate an Initial LE and service provider list was provided xxx- Please send these items - Due Diligence Vendor-04/15/2025 |
Resolved-*** Loan Type Changed from HELOC at application, to Fixed Rate. LE issued within 3 days of loan type change - Due Diligence Vendor-04/25/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 15625488 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCOM4227 | 2025-04-14 11:24 | 2025-04-22 09:48 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD provided is sufficient. Thank you. - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open-*****• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. *** documentation provided indicates a ICD issued xxx - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-ICD provided is sufficient. Thank you. - Due Diligence Vendor-04/22/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.60 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19667486 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11265402 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16406870 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16451278 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-04-16 13:49 | 2025-04-17 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-1st Lien Mortgage statement provided. Next Due xxx UPB is less than what the Lender used to calculate the combined CLTV. - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-04/16/2025 Open-Lien Position is not 1 (First Position) Provide a copy of the first lien original Note or Mortgage Statement for the subject property. - Due Diligence Vendor-04/16/2025 |
Resolved-1st Lien Mortgage statement provided. Next Due xxx UPB is less than what the Lender used to calculate the combined CLTV. - Due Diligence Vendor-04/17/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18458155 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12372000 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13772309 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-04-14 14:25 | 2025-04-24 07:19 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. document is signed by the borrower - Seller-04/23/2025 Counter-Documentation provided does not include proof of delivery to borrower for ICD issued 4/2/2025. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. document is signed by the borrower - Seller-04/23/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 |
Resolved-Documentation provided is sufficient. Thank you - Due Diligence Vendor-04/24/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 80% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.56 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12753823 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-04-16 10:18 | 2025-04-18 07:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First Lien Mortgage statement provided. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Please review attached 1st mtg stmt. Thank you. - Seller-04/16/2025 Open-Missing mortgage statement for borrower's primary residence. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. Please review attached 1st mtg stmt. Thank you. - Seller-04/16/2025 |
Resolved-First Lien Mortgage statement provided. - Due Diligence Vendor-04/18/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.97% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.68 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18325699 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-04-14 10:19 | 2025-04-18 13:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Please review attached EOI with correct policy date. The subject property is in xxx xxx / xxx xxx xxxtherefore the EOI effective date is from the Funded date xxx. Thank you. - Seller-04/18/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-04/14/2025 |
Ready for Review-Document Uploaded. Please review attached EOI with correct policy date. The subject property is in xxx State / xxx xxx State therefore the EOI effective date is from the xxx date xxx. Thank you. - Seller-04/18/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-04/18/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.23 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.23 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11084147 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12151852 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 13416588 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11931810 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-16 16:14 | 2025-04-18 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx xxx xxx is a New Purchase transaction, First payment letter provided (xxx) $xxx- Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx Purchase Investment See the attached. Insurance Taxes Property Profile Note and Deed and Payment Letter - Seller-04/17/2025 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Please provide the Mortgage Statement or VOR, Tax Certification and HOI document for the investment property located at xxx xxx xxx, xxx xxx , xxx xxx . The Other Rental Income Worksheet will be updated upon receipt. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx Purchase Investment See the attached. Insurance Taxes Property Profile Note and Deed and Payment Letter - Seller-04/17/2025 |
Resolved-xxx is a New Purchase transaction, First payment letter provided (escrowed) $xxx - Due Diligence Vendor-04/18/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11931810 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1764 | 2025-04-16 16:17 | 2025-04-18 09:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-xxx xxx xxx is a New Purchase transaction, First payment letter provided (xxx) $xxx- Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx Purchase Investment See the attached. Insurance Taxes Property Profile Note and Deed and Payment Letter - Seller-04/17/2025 Open-Missing Verification of Mortgage for the investment property located at xxx xxx xxx , xxx xxx , xxx xxx . Per the final loan application, the mortgage is with xxx acct #xxx $xxx balance and PI payment of $xxx . The lender's guidelines allow up to 1x30 in the most recent 12 months. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. No Mortgage Rating the loan closed xxx Purchase Investment See the attached. Insurance Taxes Property Profile Note and Deed and Payment Letter - Seller-04/17/2025 |
Resolved-xxx is a New Purchase transaction, First payment letter provided (escrowed) $xxx - Due Diligence Vendor-04/18/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10570453 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 12107383 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17447567 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE2994 | 2025-04-17 16:38 | 2025-04-21 07:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 with audited Ratios provided. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/18/2025 Open-DTI variance due to 1008 First Mortgage P&I amount $xxx includes Tax & Insurance amount. UW added taxes and insurance twice. - Due Diligence Vendor-04/17/2025 |
Resolved-Updated 1008 with audited Ratios provided. - Due Diligence Vendor-04/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.10 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.09 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12992964 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1184 | 2025-04-18 14:08 | 2025-04-22 15:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Approval Info | AUS Not Provided | Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. Please see attached updated 1008, this is a Stand Alone 2nd that was manually UW. - Seller-04/22/2025 Open-Missing AUS Findings Report Missing AUS DU not located in file DU case #xxx- Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. Please see attached updated 1008, this is a xxx xxx xxx that was manually UW. - Seller-04/22/2025 |
Resolved-AUS Findings Report is fully present - Due Diligence Vendor-04/22/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.28 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14231780 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12419178 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14402048 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14257600 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-17 13:07 | 2025-04-22 08:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/21/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. - Seller-04/21/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/22/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.43 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14295258 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14263432 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FPRO1245 | 2025-04-16 09:02 | 2025-05-13 13:54 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-1004D dated xxx & xxx Provided stating Free and clear of xxx related damage - Due Diligence Vendor-05/13/2025 Ready for Review-Please see attached. - Buyer-05/12/2025 Open-Primary Value Appraisal is Expired Missing value update to appraisal and xxx (xxx xxx xxx) Appraisal was done before xxx xxx for xxx xxx. - Due Diligence Vendor-04/16/2025 |
Resolved-1004D dated xxx & PDI Provided stating Free and clear of xxx related damage - Due Diligence Vendor-05/13/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14263432 | xxx | xxx | D | A | D | A | A | A | C | A | Closed | FCRE1316 | 2025-04-18 19:47 | 2025-04-21 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/19/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Previous information is from xxx xxx. - Due Diligence Vendor-04/18/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/21/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12291952 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-04-17 13:28 | 2025-04-18 13:43 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/18/2025 Ready for Review-Rebut-this is a 2nd lien in which the escrows are handled through the first mortgage. Escrow waiver not required. - Buyer-04/18/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-04/17/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-04/18/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 22.78% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16790329 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-17 13:40 | 2025-04-22 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-04/17/2025 |
Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 70 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.34% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16790329 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-04-17 13:40 | 2025-04-22 09:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-04/17/2025 |
Ready for Review-The PreClose credit report provided in the closed-loan package, page xxx of xxx is dated xxx. Our note date is xxx. Please re-review and advise! - Seller-04/21/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-04/22/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 70 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.65 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.34% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.17 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10817947 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 14064371 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12166712 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19658582 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-04-17 18:47 | 2025-04-22 08:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/21/2025 Open-Missing Lender Worksheet or xxx Statement Summary Lender Worksheet is missing. - Due Diligence Vendor-04/17/2025 |
Ready for Review-Document Uploaded. - Seller-04/21/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/22/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.23 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.53% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10600194 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19429798 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO1245 | 2025-04-17 15:34 | 2025-05-06 19:35 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Resolved. AVM used as Primary Value for 2nd lien product. Appraisal provided was for additional support only as it was from a prior transaction of 1st lien. - Due Diligence Vendor-05/06/2025 Ready for Review-This is a Non-HPML loan that closed xxx using a xxx xxx xxx dated xxx with xxx % confidence score. An updated valuation product is not needed, please waive the condition accordingly. - Seller-05/06/2025 Open-Primary Value Appraisal is Expired. Please Can Provide Updated Appraisal Doc - Due Diligence Vendor-04/17/2025 |
Ready for Review-This is a Non-HPML loan that closed xxx using a xxx xxx AVM dated xxx with xxx% confidence score. An updated valuation product is not needed, please waive the condition accordingly. - Seller-05/06/2025 |
Resolved-Resolved. AVM used as Primary Value for 2nd lien product. Appraisal provided was for additional support only as it was from a prior transaction of 1st lien. - Due Diligence Vendor-05/06/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.31 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17292800 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12588598 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1200 | 2025-04-17 08:06 | 2025-04-23 10:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Audited Loan Amount of $xxx is less than the Guideline Minimum Loan Amount of $xxx. - Due Diligence Vendor-04/20/2025 |
Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-04/23/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14864507 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1797 | 2025-04-22 08:04 | 2025-04-23 09:26 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. here you go. - Buyer-04/22/2025 Open-******* Please provide entire initial disclosure package for review - Due Diligence Vendor-04/22/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/23/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.15% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.78 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12496367 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10038813 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2025-04-21 13:02 | 2025-04-22 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open-Borrower 1 Lease Agreements Missing Missing lease agreement for property located at xxx xxx to verify $xxx /mo xxx income. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-04/22/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.94% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.92 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10038813 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-04-21 13:04 | 2025-04-22 16:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-04/22/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-04/22/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.94% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.92 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19325836 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-21 11:33 | 2025-04-23 14:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. - Seller-04/23/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing. Per the lender's guidelines for 12 month xxx statement, when Personal & Business-Combined or Business (12mo or 24mo), at least one of the borrowers must be self-employed for at least 2 years (25% or greater ownership). The loan file does not contain evidence (business license, business search, Articles of Incorporation, etc.) verifying self-employment of 2 years as 25% owner of xxx from a 3rd party. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/23/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/23/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.97% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.02 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17450713 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18432133 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-04-21 20:47 | 2025-04-23 12:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Open-xxx Property Mortgage Statement is Missing - Due Diligence Vendor-04/22/2025 |
Ready for Review-Document Uploaded. - Seller-04/22/2025 |
Resolved-Mortgage statement provided - Due Diligence Vendor-04/23/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.13 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15882414 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1332 | 2025-04-21 13:31 | 2025-04-25 09:30 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Borrower paystub attached and explanation of short 2nd week hours for Dr. Visit. Including prior job and pay stubs submitted, this will cover over 30 days of stubs. Borrower previously worked at this job, he is part of union. - Seller-04/24/2025 Open-Borrower 1 Paystubs Less Than 1 Month Provided - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Borrower paystub attached and explanation of short xxx week hours for xxx. xxx. Including prior job and pay stubs submitted, this will cover over xxx days of stubs. Borrower previously worked at this job, he is part of xxx. - Seller-04/24/2025 |
Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-04/25/2025 |
Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18779709 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14594630 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1827 | 2025-04-22 11:02 | 2025-04-23 14:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | US Driver’s License or other US or foreign government-issued photo ID Incomplete | Resolved-Passport provided. - Due Diligence Vendor-04/23/2025 Ready for Review-Document Uploaded. - Seller-04/23/2025 Open-Please provide an updated driving license, as the one available in the file has expired - Due Diligence Vendor-04/22/2025 |
Ready for Review-Document Uploaded. - Seller-04/23/2025 |
Resolved-Passport provided. - Due Diligence Vendor-04/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.37 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.38% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.42 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14054695 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14757499 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19614260 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19566122 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18741069 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17900945 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-04-23 15:46 | 2025-04-25 17:17 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Updated 1008 provided. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/25/2025 Open-Income reflected on the Final 1003 is $xxx. Income on the 1008 reflects $xxx which is supported. DTI discrepancy due to income difference. DTI reflected on 1008 is 26.221% / 43.257%. Audited DTI is 12.80% / 29.84%. Please provide updated 1008. - Due Diligence Vendor-04/23/2025 |
Resolved-Updated 1008 provided. - Due Diligence Vendor-04/25/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.28 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 24.23% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15217945 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-04-21 09:49 | 2025-04-25 12:25 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/24/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/25/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.45 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19988729 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE6387 | 2025-04-24 13:07 | 2025-04-27 08:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property has been listed for sale in the past twelve months | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. See the corrected Appraisal amending the listing on the property. - Seller-04/26/2025 Open-Property has been listed for sale in the past twelve months. Per the lender's guidelines (Recently Listed Properties), properties listed for sale in the last 6 months are not eligible. Per the appraisal, the subject property has been listed for sale within the last 12 months with no date provided for the closing of the listing. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. See the corrected Appraisal amending the listing on the property. - Seller-04/26/2025 |
Resolved-Corrected Appraisal provided. - Due Diligence Vendor-04/27/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.49 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11013305 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-04-23 23:40 | 2025-04-29 10:36 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Take 2! Please see attached. - Buyer-04/28/2025 Counter-The 1008 Provided does not reflect the correct CLTV/HCLTV - Subject Loan is a 2nd Lien and that's not being reflected in the LTV ratios. - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-04/25/2025 Open-1008/Underwriting Summary Not Provided Provide the final Underwriting and Transmittal Summary reflecting the correct CLTV. - Due Diligence Vendor-04/24/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/29/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.88 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14998093 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11513846 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1504 | 2025-04-24 15:34 | 2025-04-30 13:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Partially Provided | Resolved-Updated CBR dated xxx provided for 1st Mortgage Lien. 0x30 - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. See the attached Credit report showing -0- lates and paid current - Seller-04/29/2025 Open-Mortgage Statement(s) Partially Provided. The subject property has a 1st lien mortgage with xxx acct# xxx reporting through xxx. The loan file contains mortgage statements verifying the xxx & xxx payments were made on time; however, the mortgage statement for the xxx payment is missing. Per the lender's guidelines, 0x30x12 is required on all mortgages for all borrowers. Please provide proof the xxx $xxx payment was made. 1st lien Mortgage Statement xxx Credit reports xxx #xxx through xxx Proof of xxx & xxx payment- missing proof of xxx payment - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. See the attached Credit report showing -xxx- lates and paid current - Seller-04/29/2025 |
Resolved-Updated CBR dated xxx provided for 1st Mortgage Lien. 0x30 - Due Diligence Vendor-04/30/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.57 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16445320 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1728 | 2025-04-24 21:05 | 2025-05-01 10:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-All pages of the Lease Agreement provided supporting monthly rental of $xxx - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Counter-the lease agreement provided is missing xxx. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Lease Agreement in lieu of the 1007 - Seller-04/29/2025 Counter-A property report is not a Lease agreement or a 1007 to verify the Rental Income of $xxx for property xxx - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. - Seller-04/26/2025 Open-Missing rent comparable schedule form 1007 (or lease) for investment property located at xxx verifying rental income of $xxx a month used to qualify. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 Ready for Review-Document Uploaded. Lease Agreement in lieu of the 1007 - Seller-04/29/2025 Ready for Review-Document Uploaded. - Seller-04/26/2025 |
Resolved-All pages of the Lease Agreement provided supporting monthly rental of $xxx - Due Diligence Vendor-05/01/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). Audited Borrower income $29,176. vs lender's $29,176 Audited Primary residence PITIA $3550.14 vs lender's $3552.68 Audited Net rental income -$2383.73 vs lender's -$2214.19 Audited Other rental income -$3852.39 vs lender's -$3760.38 Audited All Other Monthly pmts $2545 vs lender's $3993 Audited Total All Payments $12,331.26 vs lender's $13,250.25 The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.png xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16445320 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-04-24 20:59 | 2025-04-27 08:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage Statement & New Note provided for xxx. Mortgage statements provided xxx, xxx, xxx, xxx, xxx. (all escrowed) - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. - Seller-04/26/2025 Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property. Please provide documentation for the following investment properties: xxx Missing 1st lien with xxx #xxx $xxx balance $xxx payment - missing verification of PI, tax, and hazard insurance payment xxx 1st lien with xxx #xxx $xxx balance $xxx payment - missing 1st lien Note or mortgage statement for PI Missing verification of tax and hazard insurance payment Missing lease agreement or Form 1007 verifying $xxx/mo used to qualify xxx Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder xxx Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder xxx Missing verification of tax and hazard insurance payment - audit used total escrow per mortgage statement $xxx as placeholder - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. - Seller-04/26/2025 |
Resolved-Mortgage Statement & New Note provided for xxx. Mortgage statements provided xxx, xxx, xxx, xxx, xxx. (all escrowed) - Due Diligence Vendor-04/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). Audited Borrower income $29,176. vs lender's $29,176 Audited Primary residence PITIA $3550.14 vs lender's $3552.68 Audited Net rental income -$2383.73 vs lender's -$2214.19 Audited Other rental income -$3852.39 vs lender's -$3760.38 Audited All Other Monthly pmts $2545 vs lender's $3993 Audited Total All Payments $12,331.26 vs lender's $13,250.25 The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16445320 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-04-24 21:03 | 2025-04-27 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved- - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. Final CD, Note and Deed – loan closed xxx - Seller-04/26/2025 Open-Mortgage Statement(s) Missing for the Primary residence at xxx. Please provide for 2nd lien with xxx #xxx $xxx balance $xxx payment. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Final CD, Note and Deed – loan closed xxx - Seller-04/26/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - . QC added condition for: Audited DTI 48.56% is higher than lender's DTI 45.41% by 3.15% (1008 states 34.164% but the calculation is wrong). Audited Borrower income $29,176. vs lender's $29,176 Audited Primary residence PITIA $3550.14 vs lender's $3552.68 Audited Net rental income -$2383.73 vs lender's -$2214.19 Audited Other rental income -$3852.39 vs lender's -$3760.38 Audited All Other Monthly pmts $2545 vs lender's $3993 Audited Total All Payments $12,331.26 vs lender's $13,250.25 The DTI will be recalculated upon receipt of the requested documents covered in conditions for missing documents. Calculated DTI Of 42.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10259748 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1501 | 2025-04-24 13:31 | 2025-04-30 14:05 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Unexpired DL for B2 provided. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. - Seller-04/29/2025 Open-Provide an copy of b2 / xxx unexpired drivers license. License in file expired xxx but the USA Patriot Act reflects a new license was obtained on xxx - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. - Seller-04/29/2025 |
Resolved-Unexpired DL for B2 provided. - Due Diligence Vendor-04/30/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.12% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19877637 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 19744647 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2025-04-23 14:08 | 2025-04-28 08:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-Right To Choose Attorney or Attorney Preference Not In File Right to choose own Attorney disclosure provided on xxx however signature is missing. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16147339 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-04-22 20:08 | 2025-05-08 10:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Property Report provided for xxx. which is Vacant land - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 Open-Property Tax Missing #xxx. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. - Seller-05/06/2025 |
Resolved-Property Report provided for xxx. which is Vacant land - Due Diligence Vendor-05/08/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years | xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19692026 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-22 17:10 | 2025-04-28 09:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/28/2025 Ready for Review-The WVOE is dated xxx and the Note date is xxx - this is within the time frame for the final VOE, it's less than 10 days! Please review and advise. Thank you! - Seller-04/25/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/22/2025 |
Ready for Review-The WVOE is dated xxx and the Note date is xxx - this is within the time frame for the final VOE, it's less than 10 days! Please review and advise. Thank you! - Seller-04/25/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/28/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.12 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16554133 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10518911 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10614531 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2025-04-23 10:08 | 2025-04-27 09:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-Audited DTI of 63.54% exceeds Guideline DTI of 50% Lender rental worksheet in file under doc xxx and it reflects monthly rental income of $xxx a month. The full PITIA on subject is $xxx making the neg rent $xxx. There is a current personal tax return in file and rental property is on sched e for 12 months and TPR used those numbers to calculate neg rental income. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Audited DTI of 47.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.97% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.18 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10614531 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-04-23 20:32 | 2025-04-27 09:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Proof of Bwr's Primary Residence (2 Units) rental income provided. - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-Lender is using rental income for property xxx in the amount of $xxx a month but no evidence of income source provided . Lease updated in the package doesn't match the property address it is for another property that the previous owner of xxx rented out at xxx. This is not are subject, borrower, etc. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Proof of Bwr's Primary Residence (2 Units) rental income provided. - Due Diligence Vendor-04/27/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.97% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 77.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.18 Years |
xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11922944 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10161255 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-04-23 14:52 | 2025-04-28 08:37 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. Per the PCCD, this loan did not disburse until the 16th. - Seller-04/25/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. Per the PCCD, this loan did not disburse until the xxx. - Seller-04/25/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/28/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.70 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10726681 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14725590 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-04-25 10:37 | 2025-05-22 07:56 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Title Policy & Sub agreement provided. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Typically, a final title policy would not show the loan that is closing. We would use the final title policy to show current liens, then the subordination agreement showing the current 2nd lien will be subordinate to the new lien, putting the new lien in 2nd lien position. We would not be able to produce a final title policy with the new lien showing on it in any lien position, we would need to order a new title report that would show them in 2nd lien position. Please advise. Thank you, I work remotely, best method of communication is through email xxx - xxx - Seller-05/20/2025 Open-Property Title Issue Lien in amount of $xxx with xxx reporting on title. Proposed Amount of Insurance listed as $xxx, when loan amount is $xxx. No supplement in file. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. Typically, a final title policy would not show the loan that is closing. We would use the final title policy to show current liens, then the subordination agreement showing the current 2nd lien will be subordinate to the new lien, putting the new lien in 2nd lien position. We would not be able to produce a final title policy with the new lien showing on it in any lien position, we would need to order a new title report that would show them in 2nd lien position. Please advise. Thank you, I work remotely, best method of communication is through email xxx - Underwriter - Seller-05/20/2025 |
Resolved-Title Policy & Sub agreement provided. - Due Diligence Vendor-05/22/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.57% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12991276 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10130022 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-04-24 13:42 | 2025-04-28 08:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/28/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-04/28/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 13813450 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11213940 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19149161 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-04-24 17:44 | 2025-04-27 09:08 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/27/2025 Ready for Review-Document Uploaded. - Seller-04/25/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit in file is 26 days from close - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. - Seller-04/25/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-04/27/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.31 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13049657 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18150464 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-04-24 18:17 | 2025-05-01 10:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-05/01/2025 Ready for Review-Loan is a Full Doc loan and Lender Worksheet or xxx Statement Summary is not required. - Seller-04/30/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-04/24/2025 |
Ready for Review-Loan is a Full Doc loan and Lender Worksheet or Bank Statement Summary is not required. - Seller-04/30/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/01/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.04 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11167858 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 15932619 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-04-25 01:41 | 2025-04-29 08:50 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. - Seller-04/28/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. - Seller-04/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.18 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.19 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.50 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14690391 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18586285 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1964 | 2025-04-24 08:15 | 2025-04-28 10:48 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-2023 Sch-C Profit and Loss From Business for B2 located in the Original file on xxx - Due Diligence Vendor-04/28/2025 Ready for Review-Please reference xxx & xxx of xxx in the closed-loan package. Thank you - Seller-04/28/2025 Open-B2 xxx Year 1040 Sch C doc is missing or incomplete - Due Diligence Vendor-04/24/2025 |
Ready for Review-Please reference pages xxx & xxx of xxx in the closed-loan package. Thank you - Seller-04/28/2025 |
Resolved-xxx Sch-C Profit and Loss From Business for B2 located in the Original file on xxx - Due Diligence Vendor-04/28/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14146564 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2025-04-25 12:39 | 2025-04-29 12:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Evidence of Property Tax Missing | Resolved-Property report (AG/Rural land only) with LOE stating No Mortgage Lien or HOI was provided. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. This prop is farmland & we have applied the taxes in REO. please see attached LOE and property profile. - Seller-04/28/2025 Open-Retained investment of xxx is missing documentation to validate monthly housing payment - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. This prop is xxx & we have applied the taxes in REO. please see attached LOE and property profile. - Seller-04/28/2025 |
Resolved-Property report (AG/Rural land only) with LOE stating No Mortgage Lien or HOI was provided. - Due Diligence Vendor-04/29/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.17 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.30 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.03% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11566574 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | FPRO1245 | 2025-04-24 04:42 | 2025-04-29 12:40 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/29/2025 Ready for Review-Per the Appraisal Guidelines below. Age of Appraisal and Appraisal Update Requirements When an appraisal is obtained, the property must be appraised within the 12 months prior to the date of the note and mortgage. When the effective date of the original appraisal report is more than four months but less than 12 months from the date of the note and mortgage, the appraiser must perform an appraisal update that includes inspecting the exterior of the property and reviewing current market data to determine whether the property has declined in value since the date of the original appraisal report. This policy applies regardless of whether the property was appraised as proposed or existing construction. The appraisal update must occur within four months prior to the date of the note and mortgage. The original appraiser should complete the appraisal update; however, lenders may use substitute appraisers. When updates are completed by substitute appraisers, the substitute appraiser must review the original appraisal report and express an opinion about whether the original appraisers opinion of market value was reasonable on the date of the original appraisal report. The lender must note in the file why the original appraiser was not used. The xxx and results of the appraisal update must be reported on the Appraisal Update and/or Completion Report (Form 1004D). If the appraiser indicates on the Form 1004D that the property value has declined, then the lender must obtain a new appraisal for the property. If the appraiser indicates on the Form 1004D that the property value has not declined, then the lender may proceed with the loan in process without requiring any additional fieldwork. - Seller-04/28/2025 Open-Primary Value Appraisal is Expired and 1004D Has given - Due Diligence Vendor-04/24/2025 |
Ready for Review-Per the Appraisal Guidelines below. Age of Appraisal and Appraisal Update Requirements When an appraisal is obtained, the property must be appraised within the 12 months prior to the date of the note and mortgage. When the effective date of the original appraisal report is more than four months but less than 12 months from the date of the note and mortgage, the appraiser must perform an appraisal update that includes inspecting the exterior of the property and reviewing current market data to determine whether the property has declined in value since the date of the original appraisal report. This policy applies regardless of whether the property was appraised as proposed or existing construction. The appraisal update must occur within four months prior to the date of the note and mortgage. The original appraiser should complete the appraisal update; however, lenders may use substitute appraisers. When updates are completed by substitute appraisers, the substitute appraiser must review the original appraisal report and express an opinion about whether the original appraisers opinion of market value was reasonable on the date of the original appraisal report. The lender must note in the file why the original appraiser was not used. The xxx and results of the appraisal update must be reported on the Appraisal Update and/or Completion Report (Form 1004D). If the appraiser indicates on the Form 1004D that the property value has declined, then the lender must obtain a new appraisal for the property. If the appraiser indicates on the Form 1004D that the property value has not declined, then the lender may proceed with the loan in process without requiring any additional fieldwork. - Seller-04/28/2025 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-04/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.13 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11566574 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | finding-47 | 2025-04-25 09:17 | 2025-04-29 09:06 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. - Seller-04/28/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-04/25/2025 |
Ready for Review-Document Uploaded. - Seller-04/28/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-04/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.13 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.27% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13758869 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11078209 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1316 | 2025-04-24 18:54 | 2025-04-30 09:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. VOE Both borrowers attached. - Seller-04/29/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. VOE Both borrowers attached. - Seller-04/29/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11078209 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3532 | 2025-04-28 03:45 | 2025-04-30 06:40 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. xxx CD confirmed received on xxx, see email in chain of issued CDs. We xxx from data confirmed received. - Seller-04/29/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ************************************* Documentation provided does not include proof of delivery to borrower for Initial Closing Disclosure issued xxx. - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. xxx CD confirmed received on xxx, see email in chain of issued CDs. We county from data confirmed received. - Seller-04/29/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.67 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12139012 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10246654 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE6737 | 2025-04-26 12:34 | 2025-05-15 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-LOE provided stating This is for benefits that cannot be itemized onto the PDF version of my pay stub. - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. - Seller-05/14/2025 Open-Lender to obtain supporting documentation that deduction on paystub under "xxx" for $xxx is. This may be a debt that has to be included in the DTI. Lender to verify. This was a new deduction on borrowers paystub with deduction starting on xxx - Due Diligence Vendor-04/26/2025 |
Ready for Review-Document Uploaded. - Seller-05/14/2025 |
Resolved-LOE provided stating This is for benefits that cannot be itemized onto the PDF version of my pay stub. - Due Diligence Vendor-05/15/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.66 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.79 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19138840 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15446296 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 18670412 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | ||||||||||||||||||
| 15012099 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 12514091 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 10065939 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10070990 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2025-04-28 14:05 | 2025-04-30 06:25 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. see attached - Buyer-04/29/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-04/28/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-04/30/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.29 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13328425 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19560478 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10247645 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1437 | 2025-04-28 16:00 | 2025-05-05 08:03 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Please see attached paystubs dating back to xxx. Borrower received a raise at the end of xxx. YTD average is higher than what UW used for qualifying. - Buyer-05/04/2025 Open-Income and Employment Do Not Meet Guidelines Lender used higher monthly bi weekly income of $xxx at 26 pay checks which gave them a monthly income used of $xxx a month(xxx) and there is no supporting income documents in file to support. Reviewer only sees most recent paystub on xxx showing bi weekly income at 26 pay check of $xxx which is a total monthly of $xxx. *In need of letter of explanation and supporting documents from Lender on how they got their monthly figure used of $xxx - Due Diligence Vendor-04/28/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-05/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.45 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12506580 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11442181 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18563041 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15684319 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-29 15:09 | 2025-05-01 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Open- - Due Diligence Vendor-05/01/2025 Open-Borrower 1 Gap Credit Report is Missing Provide the Gap Credit Report for the borrower and co-borrower. - Due Diligence Vendor-04/29/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 15684319 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-04-29 15:09 | 2025-05-01 13:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Open- - Due Diligence Vendor-05/01/2025 Rescinded-Borrower 2 Gap Credit Report is Missing Duplicate condition added. - Due Diligence Vendor-04/29/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Rescinded-Borrower 2 Gap Credit Report is Missing Duplicate condition added. - Due Diligence Vendor-04/29/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 15684319 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE9163 | 2025-04-29 15:06 | 2025-05-01 12:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Full Payment schedule provided confirming 2 student loan payments as $xxx - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Provide documentation to support using $xxx payment for xxx balances $xxx and $xxx. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-Full Payment schedule provided confirming 2 student loan payments as $xxx - Due Diligence Vendor-05/01/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12571457 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14578027 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14086426 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15268480 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16479781 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18989609 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16583844 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 17165116 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 16263482 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2025-04-29 15:46 | 2025-05-02 09:30 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Buyer-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 Open-SERVICE PROVIDER LIST MISSING. ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Seller-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Ready for Review-uploaded to another condition - Seller-05/01/2025 Ready for Review-we are closed on xxx, the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Buyer-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3515 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Thanksgiving Day (xxx)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3542 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Seller-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. Documentation provided does not include proof of delivery to borrower for relocked Closing Disclosure issued xxx. - Due Diligence Vendor-04/29/2025 |
Ready for Review-uploaded to another condition - Seller-05/01/2025 Ready for Review-we are closed on xxx , the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Buyer-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Buyer-04/30/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-04-29 15:41 | 2025-05-02 09:30 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Buyer-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we are closed on Thanksgiving, the Friday after and also on Saturdays. This was disclosed within 2 working days. - Seller-04/30/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Ready for Review-we are closed on xxx , the xxx after and also on xxx . This was disclosed within xxx working days. - Seller-04/30/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1266 | 2025-04-29 15:39 | 2025-05-02 09:28 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Buyer-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. see attached - Buyer-04/30/2025 Open-Homeownership Counseling Disclosure Is Missing ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11499457 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM5135 | 2025-04-29 15:39 | 2025-05-02 09:28 | Resolved | 1 - Information | B | A | Compliance | Missing Doc - Federal Disclosure | Required Affiliated Business Disclosure Missing | Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-05/02/2025 Ready for Review-uploaded to another condition - Seller-05/01/2025 Counter-******* Please provide entire initial disclosure package, issued with 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-we have no affiliated businesses. please escalate - Seller-04/30/2025 Open-Required Affiliated Business Disclosure Missing . ***************************************************Initial Disclosure Package issued within 3 days of the application date of xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-04/30/2025 |
Ready for Review-uploaded to another condition - Seller-05/01/2025 Ready for Review-we have no affiliated businesses. please escalate - Seller-04/30/2025 |
Resolved-Required Affiliated Business Disclosure Resolved - Due Diligence Vendor-05/02/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13594318 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-28 04:40 | 2025-05-06 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/05/2025 Counter-the Borrower's Business is 'xxx" however a VVOE was provided for xxx. - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/04/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Not provided - Due Diligence Vendor-04/28/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.88 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11168186 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14375194 | xxx | xxx | D | A | D | A | B | A | A | A | Closed | FCRE1316 | 2025-04-28 00:50 | 2025-05-05 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-05/04/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-05/04/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.81 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14375194 | xxx | xxx | D | A | D | A | B | A | A | A | Closed | FCRE1325 | 2025-04-30 07:36 | 2025-05-05 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/05/2025 Ready for Review-Rebut-standard 50% expense factor used for qualifying. CPA letter not required. - Buyer-05/04/2025 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-04/30/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.81 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 14375194 | xxx | xxx | D | A | D | A | B | A | A | A | Closed | FCRE1159 | 2025-04-28 00:38 | 2025-05-05 10:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. Please see attached. NOTE-accidently uploaded the wrong VVOE for this file. Correct VVOE is attached here. - Buyer-05/04/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Hence required Insurance doc for closing date - Due Diligence Vendor-04/28/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.81 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14375194 | xxx | xxx | D | A | D | A | B | A | A | A | Closed | FCOM1797 | 2025-04-29 03:51 | 2025-05-02 08:41 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 Counter-Documentation provided is insufficient. ******* Please provide entire initial disclosure package, issued within 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. see attached - Buyer-04/30/2025 Open-******* Please provide entire initial disclosure package sent within 3 days of xxx application date, for review - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. see attached - Seller-05/01/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/02/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.81 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14375194 | xxx | xxx | D | A | D | A | B | A | A | A | Closed | FCOM1266 | 2025-04-29 03:51 | 2025-05-02 08:40 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Counter-Documentation provided is insufficient. ******* Please provide entire initial disclosure package, issued within 3 days of application, for review - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 Open-Homeownership Counseling Disclosure Is Missing ******* Please provide entire initial disclosure package sent within 3 days of xxx application date, for review - Due Diligence Vendor-04/30/2025 Open- - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 Ready for Review-Document Uploaded. see attached - Seller-04/30/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/02/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.81 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.35% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17679535 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-04-29 07:14 | 2025-04-30 07:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. - Buyer-04/29/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/29/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-04/30/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.29 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1330 | 2025-04-30 10:34 | 2025-05-02 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-Borrower 1 Paystubs Missing Missing paystubs for xxx reflecting 30 days of earnings - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1335 | 2025-04-30 10:38 | 2025-05-02 10:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Buyer-05/01/2025 Open-Borrower 1 IRS Transcripts Missing Missing W2 transcripts for xxx - Due Diligence Vendor-04/30/2025 |
Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1200 | 2025-04-28 07:34 | 2025-05-02 10:49 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. min is xxx - Buyer-05/01/2025 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-04/28/2025 |
Resolved-Audited Loan Amount of $xxx is greater than or equal to the Guideline Minimum Loan Amount of $xxx - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3631 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. please see PCCD and final settlement statement - Seller-05/01/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ************************** xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. please see PCCD and final settlement statement - Seller-05/01/2025 |
Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3632 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. please see pccd and final statement - Buyer-05/01/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ************************** xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10862782 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3635 | 2025-04-29 14:32 | 2025-05-02 09:05 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. please see pccd and final statement - Seller-05/01/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ************************** xxx Consummation harm to borrower: Consummation is the date borrower(s) and lender entered a contract by executing the Deed of Trust, note and Closing Disclosing. Charges cannot be increased or added for any reason, xxx consummation. Recording fee increased from xxx to xxx 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. please see pccd and final statement - Seller-05/01/2025 |
Resolved-PCCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-05/02/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.78 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.12 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.49% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17774809 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10464159 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10433053 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-04-30 10:59 | 2025-05-12 09:05 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Counter-Document Uploaded. *** COC form xxx issue xxx - indicates the title fee increase is due to the borrower selecting the Service Provider. This selection binds lender to the charges disclosed in the Initial LE for 10% baseline, it is not an COC event for cost increase. The additional charge/Increases (recording & doc prep & notary) due to the requirement of a conveyance deed, however, does represent a valid COC event and the 10% baseline was reset for those charges on xxx. ---- Please see our compliance report (pg 34) - Due Diligence Vendor-05/07/2025 Ready for Review-Please review comments from our xxx of xxx and advise: They aren’t being very specific in saying what fees were in the 10% fee increase, so I would push back asking what about the CoC comments increasing recording fees due to needing to record additional deed isn’t acceptable. Thank You, xxx xxx, xxx xxx | xxx p xxx | o xxxext xxx xxx | xxx - Seller-05/06/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. *****************• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 Ready for Review-Please review comments from our xxx of processing and advise: They aren’t being very specific in saying what fees were in the 10% fee increase, so I would push back asking what about the CoC comments increasing recording fees due to needing to record additional deed isn’t acceptable. Thank You, xxx xxx xxx , xxx xxx xxx xxx xxx, xxx. xxx| xxx, xxx xxx p xxx | o xxx ext xxx xxx.xxx@xxx.com | xxx.com - Seller-05/06/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10433053 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-04-30 10:59 | 2025-05-12 09:05 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. *****************• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxxis required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 |
Resolved-Curative PCCD received, consequential finding resolved - Due Diligence Vendor-05/12/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 10433053 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3635 | 2025-04-30 10:59 | 2025-05-12 09:05 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). *****************• Service provider for Title Services has been selected , all title services require testing at 10% tolerance baseline issued in Initial Loan Estimate. Increasing tolerance based fees because the charges were found to be under-disclosed in the estimated amount lender disclosed to the borrower in good faith, is not a valid change of circumstance. 10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 |
Cured-Curative PCCD received - Due Diligence Vendor-05/12/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 17116116 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12025681 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12935925 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11587123 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE3978 | 2025-04-29 10:04 | 2025-05-06 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Credit LOE provided. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. - Seller-05/05/2025 Open-Letter of Explanation (Credit) missing or unexecuted for the credit inquires within the most 90 days of the credit report date. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/05/2025 |
Resolved-Credit LOE provided. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11587123 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-04-29 09:17 | 2025-05-06 14:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Signed Lease agreement provided. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. - Seller-05/05/2025 Open-Missing an executed lease agreement for the subject property. Per the lender's guidelines, Long-Term Rental Income qualifies using the lower of the lease agreement or the 1007 (if available). Lease agreement required for all xxx transactions. The lease provided is not signed/executed by the tenants using the lower rental income of $xxx. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/05/2025 |
Resolved-Signed Lease agreement provided. - Due Diligence Vendor-05/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11587123 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7569 | 2025-04-29 11:15 | 2025-05-01 10:08 | Resolved | 1 - Information | C | A | Credit | Liabilities | Mortgage history for primary residence less than 12 months | Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Missing proof of mortgage payments on primary residence. Per the lender's guidelines, 0x30x12 on all mortgages is required for all borrowers, minimum 12 months housing history required. The subject loan note date is xxx. Please provide the following mortgage history: xxx acct #xxx with principal balance of $xxx, with a $xxx payment for the primary residence located at xxx. The final loan application states the borrower has resided here for 7 months. The loan file contains proof a mortgage payment was received on xxx (xxx), but is missing proof of the any previous payments. This mortgage does not appear on the credit report; therefore, a VOM was required. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11587123 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1504 | 2025-04-29 11:19 | 2025-05-01 10:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Partially Provided | Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-04/30/2025 Open-Mortgage Statement(s) Partially Provided. Missing proof of required mortgage payments for the subject property and an additional investment property owned. Per the lender's guidelines, 0x30x12 on all mortgages is required for all borrowers with a minimum 12 months housing history required. The subject loan note date is xxx. Please provide the following: xxx acct # xxx with principal balance of $xxx, $xxx payment reports through xxx; Missing proof of xxx and xxx payment. xxx/xxx acct #xxx with principal balance of $xxx, $,xxx payment for the subject property located at xxx reports through xxx. The mortgage statement (xxx) verifies the xxx was paid on xxx; however, missing proof the xxx payment was paid on time. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-04/30/2025 |
Resolved-CBR supplement & Mortgage statement provided. - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11587123 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-29 10:03 | 2025-05-01 10:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 Ready for Review-Loan is a DSCR - UDM not required - Seller-04/30/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |
Ready for Review-Loan is a xxx - UDM not required - Seller-04/30/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/01/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Borrower 1 Gap Credit Report is Missing. Credit reports over 30 days old from the Note date require a gap credit report dated within 15 days of the Note date. | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16791723 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13637049 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-04-29 11:11 | 2025-05-03 08:20 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 Ready for Review-Our PreClose credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's 6 days. Please review and advise! - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date as per GL). - Due Diligence Vendor-04/29/2025 |
Ready for Review-Our xxx credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's xxx days. Please review and advise! - Seller-05/02/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.06% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.82 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13637049 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2025-04-29 11:11 | 2025-05-03 08:20 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 Ready for Review-Our PreClose credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's 6 days. Please review and advise! - Seller-05/02/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 15 days from Closing/Settlement Date as per GL). - Due Diligence Vendor-04/29/2025 |
Ready for Review-Our xxx credit report in the closed-loan file is dated xxx, our Note date is dated xxx - that's xxx days. Please review and advise! - Seller-05/02/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.06% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.81 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.82 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10514513 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17757486 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2025-04-29 15:47 | 2025-05-07 08:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Credit Report attached. - Seller-05/05/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. Credit Report attached. - Seller-05/05/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-05/07/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.19% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 15537053 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13205572 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5790 | 2025-05-01 19:24 | 2025-05-03 08:33 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13205572 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-05-01 19:09 | 2025-05-03 08:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/03/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-Title Document is missing - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13205572 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7000 | 2025-05-01 19:26 | 2025-05-03 08:27 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/03/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.21 Years |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19925806 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16901390 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-04-29 15:27 | 2025-05-03 08:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/03/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.24 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16901390 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-05-01 18:16 | 2025-05-03 08:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-05/03/2025 Ready for Review-Document Uploaded. - Seller-05/02/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. - Seller-05/02/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-05/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.24 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.06% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12993005 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 12222723 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16311547 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 19013863 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1233 | 2025-04-30 12:32 | 2025-05-08 09:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. see attached 1003 - Buyer-05/08/2025 Open-The Final 1003 is Incomplete and pages are missing. - Due Diligence Vendor-04/30/2025 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-05/08/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.28 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.91 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16303343 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1305 | 2025-05-01 11:16 | 2025-05-05 11:09 | Resolved | 1 - Information | C | A | Credit | Income | Income 2 Income Trend is Decreasing | Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-05/05/2025 Ready for Review-While the borrower's commissions slightly decreased from xxx to xxx, the YTD average commissions are already almost double than last year. - Buyer-05/04/2025 Open-Income 2 Income Trend is Decreasing - Due Diligence Vendor-05/01/2025 |
Resolved-Income 2 Income Trend is Resolved - Due Diligence Vendor-05/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.31 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 12606905 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11075549 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19661862 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11262668 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15654274 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15632537 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12768620 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19267414 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13259669 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-03 11:46 | 2025-05-07 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/03/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.84 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13259669 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-05-03 11:46 | 2025-05-07 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-Rebut - CPA letter not required. UW used the standard 50% expense factor to qualify the borrower. - Buyer-05/06/2025 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/03/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.84 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.08 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 10585040 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14276389 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13511036 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-05-02 16:56 | 2025-05-09 13:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 39.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Counter-Missing 1st Lien CD from the file, the PCCD provided is for the 2nd Lien showing $xxx sent to 1st Lien but does not list the debts it paid off. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. This was a first and second simultaneous close. These were paid off at closing. The payoffs were reflected on the CD for the 1st (xxx). Please see attached. Thank you. - Seller-05/05/2025 Open-Audited DTI of 59.47% exceeds Guideline DTI of 50% Appears the lender did not include any of the borrowers tradelines, DTI is outside of tolerance. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 Ready for Review-Document Uploaded. This was a first and second simultaneous close. These were paid off at closing. The payoffs were reflected on the CD for the 1st (xxx). Please see attached. Thank you. - Seller-05/05/2025 |
Resolved-Audited DTI of 39.76% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-05/09/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11472692 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-05-01 19:45 | 2025-05-07 07:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/05/2025 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-05/01/2025 |
Ready for Review-Document Uploaded. - Seller-05/05/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/07/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.35 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 12219131 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17350706 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18043577 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17529818 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16904943 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17199628 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10249348 | xxx | xxx | D | A | D | A | D | A | C | A | Closed | FPRO9736 | 2025-05-05 16:04 | 2025-05-12 12:51 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-Document Uploaded. The CDA located in the file was for the Subject Property - Lender Provided updated Desk review supporting the appraised value. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Please see attached. The CDA that was in the file was for a different property. - Seller-05/09/2025 Counter-Document Uploaded. Desk review reflects a -19.4% which is over the 10% tolerance and does not support the Appraisal value of $xxx - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. see attached. - Buyer-05/06/2025 Open-Desk Review provided does not support Appraised value of $xxx. Desk Review value is $xxx. Please provide updated Appraisal review supporting original appraised value. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Please see attached. The CDA that was in the file was for a different property. - Seller-05/09/2025 |
Resolved-Document Uploaded. The CDA located in the file was for the Subject Property - Lender Provided updated Desk review supporting the appraised value. - Due Diligence Vendor-05/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.jpg xxx.jpg xxx.pdf xxx .jpg |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10249348 | xxx | xxx | D | A | D | A | D | A | C | A | Closed | FCRE1316 | 2025-05-05 14:38 | 2025-05-07 14:24 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/05/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/07/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10249348 | xxx | xxx | D | A | D | A | D | A | C | A | Closed | FCRE1195 | 2025-05-05 15:05 | 2025-05-07 14:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.74% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Rebut-The CLTV is 80%. The prior mortgage was paid off at closing. See attached final HUD 1 statement. - Seller-05/06/2025 Open-Audited CLTV of 183.49% exceeds Guideline CLTV of 80% - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Rebut-The CLTV is 80%. The prior mortgage was paid off at closing. See attached final HUD 1 statement. - Seller-05/06/2025 |
Resolved-Audited CLTV of 79.74% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-05/07/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10249348 | xxx | xxx | D | A | D | A | D | A | C | A | Closed | FCRE1503 | 2025-05-05 00:42 | 2025-05-07 13:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-mortgage statements (both escrowed) provided for xxx' and "# xxx - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/06/2025 Open-mortgage statement missing for the property address "# xxx' and "# xxx" - Due Diligence Vendor-05/05/2025 |
Resolved-mortgage statements (both escrowed) provided for xxx' and "# xxx - Due Diligence Vendor-05/07/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10249348 | xxx | xxx | D | A | D | A | D | A | C | A | Closed | FCOM1206 | 2025-05-02 09:39 | 2025-05-07 13:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. see attached. - Seller-05/06/2025 Open-The Note is Missing in file - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. see attached. - Seller-05/06/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/07/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18759965 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13602827 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE6763 | 2025-05-05 14:27 | 2025-05-14 13:07 | Resolved | 1 - Information | C | A | Credit | Income | Income documentation does not meet guidelines | Resolved-WVOE from the Work Number provided supporting YTD and 2 yrs W2 income - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Attached VOE in lieu of the paystub that is missing. - Seller-05/13/2025 Open-Provide the most recent paystub for xxx dated within 60 Days of the Note. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. Attached VOE in lieu of the paystub that is missing. - Seller-05/13/2025 |
Resolved-WVOE from the xxx provided supporting YTD and 2 yrs W2 income - Due Diligence Vendor-05/14/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13602827 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-05 14:21 | 2025-05-08 11:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/06/2025 Open-Borrower 1 Gap Credit Report is Missing Provide the gap credit report, soft-pull or undisclosed monitoring dated within 30 days of the Note. - Due Diligence Vendor-05/05/2025 |
Ready for Review-Document Uploaded. - Seller-05/06/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/08/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12605010 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-05 15:23 | 2025-05-07 12:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025 Ready for Review-UDM credit report not required for DSCR loans - Seller-05/06/2025 Open-Borrower 1 Gap Credit Report is Missing Provide the gap credit report for xxx and xxx. - Due Diligence Vendor-05/05/2025 |
Ready for Review-UDM credit report not required for xxx loans - Seller-05/06/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/07/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.22 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.99% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14175248 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | finding-47 | 2025-05-02 19:26 | 2025-05-08 08:39 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-NOTE and ROR executed xxx, as confirmed by lender, Security Instrument resigned on xxx does not cause ROR to re-open. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. please see corrected PCCD. No redraw was done on the Note - Seller-05/08/2025 Counter-*** The Rescission test date is determined by the Security Instrument Notary date (xxx). Borrower Final Settlement from title also indicated a signing date of xxx. However, the true determination of "Consummation" is the date the borrower executed the Note. xxx Consummation Closing Disclosure provided indicated lender funding date of xxx, which violates the rescission period required under TILA. *** it appears the borrower executed "some" documents on xxx, and the Deed of Trust on xxx. **** Please provide explanation. -- If the Note was redrawn for correction and executed by borrower on xxx, in addition to the Security Instrument, then this file will need to re-open rescission. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. **DOT Notary Date indicates closing was on xxx. Original file appears to be missing the Final CD. Lender to provide a copy of the Final CD, PCCD (if any), and a certified copy of the Final Settlement Statement from the title company to confirm true closing date and disbursement date. Lender also needs to provide Notice if Right to Cancel executed xxx. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. please see corrected PCCD. No redraw was done on the Note - Seller-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-NOTE and ROR executed xxx, as confirmed by lender, Security Instrument resigned on xxx does not cause ROR to re-open. - Due Diligence Vendor-05/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14175248 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-05-06 10:22 | 2025-05-07 09:40 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-TRID: Missing Final Closing Disclosure **DOT Notary Date indicates closing was on xxx. Original file appears to be missing the Final CD. Lender to provide a copy of the Final CD, PCCD (if any), and a certified copy of the Final Settlement Statement from the title company to confirm true closing date and disbursement date. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14175248 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-****Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14175248 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-****Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14175248 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2025-05-02 19:26 | 2025-05-07 09:39 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-****Pending copy of Final CD; The discount points fee in section A of the CD issued xxx increased to $xxx. The original file does not contain a valid COC in relation to the increase. - Due Diligence Vendor-05/06/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/02/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-COC event detail provided - Due Diligence Vendor-05/07/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14529936 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18244367 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19965269 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15358651 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10019714 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE7000 | 2025-05-06 16:30 | 2025-05-12 07:32 | Resolved | 1 - Information | C | A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Please see the attached Final SS and Final CD to show that -0- cash is needed at closing. - Seller-05/08/2025 Open-Total Liquid Assets Available for Close of $0 is less than Total Cash to Close $xxx. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Please see the attached Final SS and Final CD to show that xxx cash is needed at closing. - Seller-05/08/2025 |
Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-05/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.98 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.97 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17044462 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15552574 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16387461 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-06 13:14 | 2025-05-09 13:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/09/2025 Ready for Review-Please reference the PreClose credit report in the closed-loan file, xxx. Thank you. - Seller-05/07/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/06/2025 |
Ready for Review-Please reference the xxx credit report in the closed-loan file, page xxx of xxx . Thank you. - Seller-05/07/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/09/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.12 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14325520 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10085400 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 13442438 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12398881 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19985525 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10768487 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19415044 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13460695 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12141415 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15214086 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18836556 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12763673 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14376400 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14739846 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3631 | 2025-05-07 16:44 | 2025-05-16 08:26 | Cured | 2 - Non-Material | C | B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ********• A COC form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14739846 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3632 | 2025-05-07 16:44 | 2025-05-16 08:26 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD received, - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ********• A COC form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Curative PCCD received, - Due Diligence Vendor-05/16/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14739846 | xxx | xxx | C | B | A | A | C | B | A | A | Closed | finding-3634 | 2025-05-07 16:44 | 2025-05-16 08:26 | Cured | 2 - Non-Material | C | B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ********• A COC form was issued for the increase to the Affiliate Lender Title Policy, however, there is no correlating event evident (increased loan amount, etc) to ratify the increase is a true and valid change of circumstance. Please provide COC event pursuant to pursuant to § 1026.19(e)(3)(iv) or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Cured-Curative PCCD received, - Due Diligence Vendor-05/16/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15534762 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-05 16:50 | 2025-05-09 12:17 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/09/2025 Ready for Review-Document Uploaded. - Seller-05/08/2025 Open-******* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. - Seller-05/08/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/09/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.84 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 35.44% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16698833 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10486924 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-05-07 05:21 | 2025-05-08 09:53 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/08/2025 Open-The Note is Missing Provide the fully executed Note. - Due Diligence Vendor-05/07/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/08/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.82 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13217651 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16880244 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-05-07 01:08 | 2025-05-08 09:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/08/2025 Ready for Review-This is a second lien, no escrow required. - Buyer-05/07/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-05/07/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/08/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.6% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.63 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17827622 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13380241 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-07 16:02 | 2025-05-12 09:10 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/12/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16880215 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-05-08 14:59 | 2025-05-14 15:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. See attached. Not required - Seller-05/13/2025 Open-Borrower 1 CPA Letter Missing Missing CPA letter in file for Borrower 1 business at xxx - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. See attached. Not required - Seller-05/13/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/14/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.29 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16880215 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-05-07 13:29 | 2025-05-12 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/12/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/12/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-05/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.29 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16880215 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-05-07 13:22 | 2025-05-12 14:11 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Open-Title Document is missing Title report missing for subject property - Due Diligence Vendor-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-05/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.29 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16880215 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-08 15:58 | 2025-05-12 14:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. - Seller-05/09/2025 Open-Borrower 1 Gap Credit Report is Missing Refresh report not in file per guidelines within 15 days of the note date. This is needed because note date is greater than 30 days from original credit report. Note date is xxx and credit report date is xxx - Due Diligence Vendor-05/08/2025 |
Ready for Review-Document Uploaded. - Seller-05/09/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.29 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.92 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11788643 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11582460 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11563481 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FPRO1245 | 2025-05-09 10:41 | 2025-05-15 11:41 | Resolved | 1 - Information | C | A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Re-Cert of value now in file. - Seller-05/13/2025 Open-Primary Value Appraisal is Expired Provide the appraisal update for the subject property. - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. Re-Cert of value now in file. - Seller-05/13/2025 |
Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-05/15/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15934438 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2025-05-09 12:10 | 2025-05-13 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. Funding VOE for both borrowers attached. - Seller-05/12/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide the Third-Party Employment verification for the Co-Borrower that was completed prior to closing. - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. Funding VOE for both borrowers attached. - Seller-05/12/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/13/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.36 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10519127 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12170319 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-08 11:33 | 2025-05-14 14:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statements provided (both escrowed) for xxx and xxx. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. Please see attached and let us know if you need anything else. - Buyer-05/13/2025 Open-Provide the mortgage statement for xxx and xxx. - Due Diligence Vendor-05/08/2025 |
Resolved-Mortgage statements provided (both escrowed) for xxx and xxx. - Due Diligence Vendor-05/14/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||
| 13605701 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-05-09 17:42 | 2025-05-14 07:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 Ready for Review-Document Uploaded. see attached. - Buyer-05/13/2025 Counter-Thank you --- Please provide PCCD disclosed to borrower reflecting final charges as indicated in the Title Final ALTA - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. here is the CD from the xxx and FSS so that you can see the closing date, etc. - Buyer-05/12/2025 Open-TRID: Missing Final Closing Disclosure The file contains evidence that the loan closing occurred on xxx, with the only available Closing Disclosure (CD) dated xxx. Compliance is incomplete. The lender needs to provide the Final Closing Disclosure (FCD). - Due Diligence Vendor-05/09/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/14/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10892905 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10996843 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18857003 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-05-07 18:34 | 2025-05-11 09:18 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 Ready for Review-Document Uploaded. Please see attached - Buyer-05/10/2025 Open-The Note is Missing - Due Diligence Vendor-05/07/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.74% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx | ||
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE6873 | 2025-05-08 20:39 | 2025-05-12 12:45 | Resolved | 1 - Information | C | A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-LOE Provided. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Please see attached. - Seller-05/09/2025 Open-Extended fraud alert on credit report starting xxx and expiring xxx, initial 1003 is dated xxx, documentation clearing the alert is not found in the file. - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. Please see attached. - Seller-05/09/2025 |
Resolved-LOE Provided. - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3632 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 Ready for Review-responded to another condition - Buyer-05/09/2025 Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/08/2025 |
Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3631 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 Ready for Review-responded to another condition - Buyer-05/09/2025 Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/08/2025 |
Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3634 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 Ready for Review-responded to another condition - Buyer-05/09/2025 Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/08/2025 |
Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3635 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. see attached. - Buyer-05/09/2025 Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-05/08/2025 |
Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16498786 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3515 | 2025-05-08 07:24 | 2025-05-12 09:43 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 Ready for Review-responded on another condition - Seller-05/09/2025 Open-****Initial LE is missing from file. No evidence that Loan Estimate was provided to borrower within 3 days of application. Lender to provided Initial Loan Estimate (Compliance review incomplete) - Due Diligence Vendor-05/09/2025 Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(A) )The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-05/08/2025 |
Ready for Review-responded on another condition - Seller-05/09/2025 |
Resolved-Initial Disclosure/ILE received, data entered, no additional compliance findings - Due Diligence Vendor-05/12/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.17% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18376374 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-05-08 09:41 | 2025-05-12 15:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-05/12/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2025 Open-Lease agreement missing for REO property of xxx. - Due Diligence Vendor-05/08/2025 |
Resolved-Lease agreement provided. - Due Diligence Vendor-05/12/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.25 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.24 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.16% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13865311 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15814173 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10544376 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-05-09 02:06 | 2025-05-11 09:21 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 Ready for Review-Rebut - no applicable to 2nd mortgages. Escrows for the subject are collected through the 1st mortgage. - Buyer-05/10/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-05/09/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.55% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 11342711 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-05-08 15:00 | 2025-05-11 09:19 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/10/2025 Open-The Note is Missing - Due Diligence Vendor-05/08/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.08 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17984354 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-05-09 03:23 | 2025-05-11 09:20 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 Ready for Review-Rebut - N/A for second liens. Escrows for subject are collected through the first mortgage - Buyer-05/10/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-05/09/2025 |
Resolved-Escrow Waiver is Present or Not Applicable - Due Diligence Vendor-05/11/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.13% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.25 Years |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 12696027 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16000356 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11329680 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-05-09 05:26 | 2025-05-16 09:00 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Counter-• Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation) is missing. Revised Closing Disclosure(s) with associated Changed Circumstance Detail form(s) are missing, if any. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-05/13/2025 Ready for Review-condition is blank - Seller-05/12/2025 Open- - Due Diligence Vendor-05/09/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 Ready for Review-condition is blank - Seller-05/12/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11329680 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11329680 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11329680 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11329680 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-05-11 14:12 | 2025-05-16 08:49 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11699187 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-09 15:13 | 2025-05-13 06:53 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. - Seller-05/12/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/10/2025 |
Ready for Review-Document Uploaded. - Seller-05/12/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/13/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.98 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.3% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18115053 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12476125 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19343159 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-05-11 13:14 | 2025-05-13 12:26 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 Ready for Review-Document Uploaded. Attached is a copy of the prior policy - Buyer-05/12/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-05/11/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.25% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11734901 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15585384 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-05-10 09:41 | 2025-05-15 14:30 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. - Buyer-05/14/2025 Open-1008/Underwriting Summary Not Provided Missing 1008 - Due Diligence Vendor-05/10/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.13 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15317383 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18203222 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12322872 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15403596 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16302696 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11859562 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12736350 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-05-13 08:59 | 2025-05-15 07:36 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. attached is the note and the simple interest addendum to note. - Buyer-05/13/2025 Open-The Note is Missing Note is not located in the file, (pg 5) is the simple interest addendum - Due Diligence Vendor-05/13/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/15/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.48% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11116853 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-10 13:21 | 2025-05-16 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Please see attached. The CPA is dated within 30 days of the note and also uploaded a current online status. - Buyer-05/15/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/10/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/16/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18066523 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE7347 | 2025-05-13 15:51 | 2025-05-22 11:54 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc | Missing Lease Agreement | Waived-Approved Lender Exception: Exception needed to use the new lease amount starting next month and for missing original lease. Just have extension of lease - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Please see updated exception for the missing original lease. - Buyer-05/21/2025 Counter-Document provided is an "Extension of lease" (1 page) Missing Full Lease agreement to support $xxx in monthly rent - Due Diligence Vendor-05/15/2025 Ready for Review-Please see attached. UW didn't require more because it reflected the lease terms and was signed by all parties. - Buyer-05/15/2025 Open-1008 states exception granted for higher lease amount being utilized. Missing exception form and lease agreements. Audit DSCR is 0.93 based on Appraisal 1007. - Due Diligence Vendor-05/13/2025 |
LTV - Max - 80% Subject - 66.3% xxx is a professional investor and has owned the subject for xxx years. - 05/22/2025 |
Waived-Approved Lender Exception: Exception needed to use the new lease amount starting next month and for missing original lease. Just have extension of lease - Due Diligence Vendor-05/22/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.18% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 18066523 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE1167 | 2025-05-09 23:12 | 2025-05-15 09:31 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. see attached Dec page with Extended Replacement Cost as well as the cost estimator from the Ins. Co. - Buyer-05/13/2025 Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of $xxx is less than the minimum required coverage amount of $xxx - Due Diligence Vendor-05/10/2025 |
Resolved-Sufficent Hazard Insurance Coverage is provided - Due Diligence Vendor-05/15/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.18% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18957854 | xxx | xxx | B | A | B | A | B | A | A | A | Closed | FCRE1182 | 2025-05-13 16:09 | 2025-05-15 15:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/14/2025 Open-1008/Underwriting Summary Not Provided Provide the Underwriting and Transmittal Summary reflecting the correct loan amount. - Due Diligence Vendor-05/13/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 90% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18957854 | xxx | xxx | B | A | B | A | B | A | A | A | Closed | FCOM1266 | 2025-05-12 07:06 | 2025-05-15 06:41 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/15/2025 Ready for Review-Document Uploaded. see attached - Buyer-05/14/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/12/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/15/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.63% Is Less Than The Guideline Maximum Of 90% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14942507 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16311152 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15206696 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18761426 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17517680 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 15934913 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17365146 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12880010 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 13658603 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-12 16:37 | 2025-05-16 08:19 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15336359 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18519521 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18970569 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15010848 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18745300 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13792544 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18728848 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-12 10:06 | 2025-05-21 08:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided (escrowed) for xxx - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 Counter-Missing Mortgage statement for xxx - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Mortgage Statement(s) Missing for Primary Residence xxx - Due Diligence Vendor-05/12/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Mortgage statement provided (escrowed) for xxx - Due Diligence Vendor-05/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.58 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.08 Years |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15840328 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1497 | 2025-05-11 02:35 | 2025-05-16 15:01 | Resolved | 1 - Information | C | A | Credit | QM/ATR | ATR: Reasonable Income or Assets Not Considered | Resolved- - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-ATR: Reasonable Income or Assets Not Considered - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15840328 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1292 | 2025-05-11 02:26 | 2025-05-16 14:57 | Resolved | 1 - Information | C | A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Income 1 Months Income Verified is Missing xxx Statement not provided in Package - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-05/16/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15840328 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-11 02:30 | 2025-05-16 14:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/11/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/16/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15588514 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2025-05-15 15:21 | 2025-05-20 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/16/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/15/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15588514 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1355 | 2025-05-15 15:21 | 2025-05-20 07:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 CPA Letter Missing | Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 Ready for Review-CPA letter not required. Used a 50% expense factor and sufficient documentation provide to show borrower is 100% of the xxx. - Buyer-05/16/2025 Open-Borrower 2 CPA Letter Missing - Due Diligence Vendor-05/15/2025 |
Resolved-Borrower 2 CPA Letter Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/20/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.25 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19518155 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | |||||||||||||||||
| 18037317 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM2630 | 2025-05-14 12:44 | 2025-05-19 07:48 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/19/2025 Ready for Review-Document Uploaded. attached entire initial disclosures package as requested - Buyer-05/16/2025 Open-Right To Choose Attorney or Attorney Preference Not In File ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/16/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/19/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11414881 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-05-15 08:45 | 2025-05-16 15:10 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. - Seller-05/15/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. - Seller-05/15/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-05/16/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.58% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16907497 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13752541 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10209253 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1344 | 2025-05-13 18:01 | 2025-05-20 14:06 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-May Statement and LOE from lender provided. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. He was using xxx xxx , then in xxx he switched to xxx - Seller-05/19/2025 Open-The Borrower was qualified using xxx statements account #xxx with xxx . The file is missing the xxx xxx statement. The file does contain a xxx statement with xxx #xxx. The file did not contain a letter of explanation for the use of 2 accounts. - Due Diligence Vendor-05/13/2025 |
Ready for Review-Document Uploaded. He was using xxx xxx , then in xxx he switched to xxx - Seller-05/19/2025 |
Resolved-xxx Statement and LOE from lender provided. - Due Diligence Vendor-05/20/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.81% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.68 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.07 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 19333577 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-05-19 14:13 | 2025-05-20 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Taxes & HOI Provided for xxx / Mortgage statement already provided in another condition for xxx property (escrowed) - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. xxx documents for Tax & Ins - Seller-05/20/2025 Open-File is missing verification of taxes, insurance and/ or HOA fees for xxx and xxx. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. PFA documents for Tax & Ins - Seller-05/20/2025 |
Resolved-Taxes & HOI Provided for xxx / Mortgage statement already provided in another condition for xxx property (escrowed) - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19333577 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-19 14:11 | 2025-05-20 15:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. xxx Mortgage statement - Seller-05/20/2025 Open-Mortgage statement is missing for xxx #xxx. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. PFA Mortgage statement - Seller-05/20/2025 |
Resolved-Mortgage statement (escrowed) provided for xxx - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19333577 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-05-19 13:43 | 2025-05-20 15:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. xxx Gap report - Seller-05/20/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19333577 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5116 | 2025-05-19 13:43 | 2025-05-20 15:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/20/2025 Ready for Review-Subject mortgage 1st Lien acct is already reported in credit report & we have Mortgage statement too. - Seller-05/20/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Subject mortgage 1st Lien acct is already reported in credit report & we have Mortgage statement too. - Seller-05/20/2025 |
Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19333577 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-19 13:43 | 2025-05-20 15:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. PFA Gap report - Seller-05/20/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/20/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.88 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.25 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12720929 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12643838 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 16078134 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17065949 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15295324 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-05-14 09:26 | 2025-05-22 11:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 Ready for Review-Rebut-CPA letter not required. UW applied the standard 50% expense factor, and an exception was made to use 100% of the eligible deposits (operating agreement shows borrower and wife are 100% owners of the business). - Buyer-05/21/2025 Open-Borrower 1 CPA Letter Missing CPA Is not Provided - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.3% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.08 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 10764805 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-14 08:54 | 2025-05-22 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/21/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party Verbal VOE is Missing in the file. - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10764805 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1330 | 2025-05-14 08:54 | 2025-05-22 12:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/21/2025 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-05/14/2025 |
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.34 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15029638 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15814086 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1206 | 2025-05-15 15:40 | 2025-05-21 12:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. see attached note - Buyer-05/20/2025 Open-The Note is Missing - Due Diligence Vendor-05/15/2025 |
Resolved-The Note is Present - Due Diligence Vendor-05/21/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.54 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19290593 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | FPRO9736 | 2025-05-20 08:52 | 2025-06-02 13:12 | Resolved | 1 - Information | C | A | Property | Third Party Valuation | Valuation review product does not support the original appraisal within -10.0% | Resolved-desk review provided. - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. - Seller-05/29/2025 Counter-The Guidelines state An AVM with a 90% or Greater confidence score "Supporting the value within 10%" (Higher or Lower than the appraised value) Appraised Value is $xxx - AVM Value is $xxx = -28.73% which is more than 10% - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. See the attached guideline. The AVM is showing a 90% confidence Score this is within the Guidelines. - Seller-05/22/2025 Counter-the AVM provided is the same doc that is in the original file and was used in the audit review however the exception is stating that the AVM value $xxx (-28.73% less) than the Appraised Value of $xxx Provide updated review product supporting primary appraised value. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/20/2025 Open-Appraisal Review product is not within 10%. Provide updated review product supporting primary appraised value of $xxx - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. - Seller-05/29/2025 Ready for Review-Document Uploaded. See the attached guideline. The AVM is showing a xxx% confidence Score this is within the Guidelines. - Seller-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/20/2025 |
Resolved-desk review provided. - Due Diligence Vendor-06/02/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19290593 | xxx | xxx | C | A | A | A | C | A | C | A | Closed | finding-47 | 2025-05-16 07:00 | 2025-05-21 11:32 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-**Received PCCD. - Due Diligence Vendor-05/21/2025 Ready for Review-Document Uploaded. - Seller-05/20/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. - Seller-05/20/2025 |
Resolved-**Received PCCD. - Due Diligence Vendor-05/21/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10486990 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12098005 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-05-19 15:33 | 2025-06-11 09:43 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/09/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx Provide a copy of the prior hazard insurance policy covering the Note date of xxx. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. - Seller-06/09/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/11/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.12% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18557521 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-19 20:36 | 2025-05-23 15:47 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/23/2025 Ready for Review-Please see attached for B1 (self Employed) - Seller-05/22/2025 Ready for Review-Document Uploaded. Please see attached for B1 (self Employed) - Seller-05/22/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/20/2025 |
Ready for Review-Please see attached for B1 (xxx xxx) - Seller-05/22/2025 Ready for Review-Document Uploaded. Please see attached for B1 (xxx xxx ) - Seller-05/22/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/23/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.20 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.13 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.65 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19417791 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11509384 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1198 | 2025-05-15 16:18 | 2025-05-23 09:48 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/23/2025 Ready for Review-Hello, I would need to see the specific guideline they are referring to there are no reserve requirements for xxx xxx | Sr. Underwriter p xxx x xxx | o xxx xxx | xxx - Seller-05/22/2025 Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 - Due Diligence Vendor-05/15/2025 |
Ready for Review-Hello, I would need to see the specific guideline they are referring to there are no reserve requirements for xxx xxx xxx | xxx. xxx p xxx x xxx | o xxx xxx .xxx@xxx.com | xxx.com - Seller-05/22/2025 |
Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 0 - Due Diligence Vendor-05/23/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16515815 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-05-15 20:02 | 2025-06-03 18:04 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-06/02/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. - Seller-06/02/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16515815 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5791 | 2025-05-15 20:02 | 2025-06-03 18:04 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-06/02/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-05/16/2025 |
Ready for Review-Document Uploaded. - Seller-06/02/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/03/2025 |
Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11430316 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-05-15 18:26 | 2025-06-06 12:06 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. updated the income using an average off of the new WVOE pulled through work # VOE. Instead of using xxx/xxxaverage of the rental income, using xxx average. Only one year is required. the DTI is now under 50 % including the xxx payment in the DTI. - Seller-06/04/2025 Open-Audited DTI of 54.74% exceeds Guideline DTI of 50% Provide documentation or credit supplement to support the exclusion of xxx revolving payment of $xxx. - Due Diligence Vendor-05/15/2025 |
Ready for Review-Document Uploaded. updated the income using an average off of the new WVOE pulled through work # VOE. Instead of using xxx/xxx average of the xxx income, using xxx average. Only one year is required. the DTI is now under 50 % including the xxx payment in the DTI. - Seller-06/04/2025 |
Resolved-Audited DTI of 49.45% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-06/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.98 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19458139 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17969478 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1325 | 2025-05-20 17:15 | 2025-05-22 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/21/2025 Open-Borrower 1 CPA Letter Missing Provide the CPA letter that verifies the borrower's business expense factor. - Due Diligence Vendor-05/20/2025 |
Ready for Review-Document Uploaded. - Seller-05/21/2025 |
Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-05/22/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.16 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19587471 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2025-05-21 19:37 | 2025-05-23 07:04 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/23/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. No CD disclosed at least 3 days prior to consummation found in the file - Due Diligence Vendor-05/21/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.78 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 19587471 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2025-05-19 18:53 | 2025-05-23 07:03 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. see attached - Buyer-05/22/2025 Open-Service Provider List is Missing - Due Diligence Vendor-05/19/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.78 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19587471 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM1266 | 2025-05-19 18:51 | 2025-05-23 07:03 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. see attached - Buyer-05/22/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-05/19/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.78 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19587471 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-05-19 18:52 | 2025-05-23 07:00 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. see attached initial CD - Buyer-05/22/2025 Open- Missing Initial Closing Disclosure - Due Diligence Vendor-05/19/2025 |
Resolved-ICD received, data entered - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.58% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.78 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.79 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18924252 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1157 | 2025-05-17 00:15 | 2025-05-28 08:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. see attached. - Buyer-05/23/2025 Open-Missing Hazard Insurance Policy in Package - Due Diligence Vendor-05/17/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.19% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.69 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.35 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 16020969 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10400980 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1335 | 2025-05-21 17:23 | 2025-06-02 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-06/02/2025 Ready for Review-Document Uploaded. Transcripts submitted. - Seller-05/29/2025 Open-Borrower 1 IRS Transcripts Missing Missing W2 and 1040 xxx transcripts - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. Transcripts submitted. - Seller-05/29/2025 |
Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-06/02/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.37 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19697561 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-22 13:52 | 2025-05-28 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Third-Party Business verification completed prior to close. - Due Diligence Vendor-05/22/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27.45% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.75 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.98 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17917785 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17848066 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1797 | 2025-05-19 16:48 | 2025-05-23 06:51 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. see entire initial package as requested - Buyer-05/23/2025 Open-Missing Service Provider List is Missing. ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/22/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-05/23/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.88% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17848066 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2025-05-19 16:46 | 2025-05-23 06:51 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. see entire initial disclosure package as requested - Buyer-05/23/2025 Open-Homeownership Counseling Disclosure Is Missing ******* Please provide entire initial disclosure package for review - Due Diligence Vendor-05/22/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-05/23/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.88% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11457931 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 15353253 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-18 09:03 | 2025-05-23 06:45 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-05/23/2025 Ready for Review-Document Uploaded. - Seller-05/22/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/22/2025 |
Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-05/23/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13502161 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17148022 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12024558 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15745868 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1220 | 2025-05-20 11:24 | 2025-05-27 07:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/27/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 Open-The Deed of Trust is Missing - Due Diligence Vendor-05/20/2025 |
Resolved-The Deed of Trust is Present - Due Diligence Vendor-05/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.69% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15745868 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1274 | 2025-05-21 01:11 | 2025-05-27 07:28 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-N/A 2nd lien - Due Diligence Vendor-05/27/2025 Ready for Review-Rebut-escrow account not available under our xxx program, and they're already collected through the first mortgage with xxx. - Buyer-05/26/2025 Open-Escrow Waiver is Missing - Due Diligence Vendor-05/21/2025 |
Resolved-N/A 2nd lien - Due Diligence Vendor-05/27/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.69% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 17652766 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19048646 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-05-25 22:04 | 2025-05-28 13:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/26/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/26/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/28/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.32% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.60 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15078760 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13260906 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16512924 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18741493 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18748602 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19933502 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2025-05-27 11:10 | 2025-05-28 16:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/28/2025 Resolved-$xxx located in other payment is the difference between actual and the Mortgage statement escrow. - Due Diligence Vendor-05/28/2025 Ready for Review-Document Uploaded. - Seller-05/27/2025 Open-Other monthly amount of xxx found on 1008, documentation to validate this amount is not found in the file. As a result calculated dti is 32.68% compared to lender dti of 35.15% - Due Diligence Vendor-05/27/2025 |
Ready for Review-Document Uploaded. - Seller-05/27/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-05/28/2025 Resolved-$xxx located in other payment is the difference between actual and the Mortgage statement escrow. - Due Diligence Vendor-05/28/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11278892 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10464421 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10148114 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 16336671 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12104113 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14306572 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2025-05-21 15:49 | 2025-06-03 08:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-05/30/2025 Open-Missing Flood Certificate - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/30/2025 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.67 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.47 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.38 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 12071525 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 16431875 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14103170 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1344 | 2025-05-29 11:08 | 2025-06-03 08:16 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Business xxx statements provided. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 Open-Provide the qualifying 12-months business xxx statements for xxx. - Due Diligence Vendor-05/29/2025 |
Resolved-Business Bank statements provided. - Due Diligence Vendor-06/03/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.78% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.29 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.29 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | ||
| 16366253 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 10701773 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18101471 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE9488 | 2025-05-28 07:05 | 2025-05-30 09:08 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/28/2025 Open-Update of occupancy for appraisal needed. Appraiser noted page 23, owner occupant instead of tenant - Due Diligence Vendor-05/28/2025 |
Resolved-Corrected Appraisal provided. - Due Diligence Vendor-05/30/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.42% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11912306 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-05-30 09:12 | 2025-06-06 12:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-updated 1003 with correct Primary PITIA listed - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Counter-Document Uploaded. The Final 1003 states Primary Residence PITIA as $xxx ($xxx + $xxx) however the Mortgage statement in the file states PITIA $xxx Escrowed. where is the additional $xxx from from? - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Please see the corrected 1008 with the payment of the 2nd and updated Insurance and Taxes. Ratios are 10.75/43.007 - Seller-05/30/2025 Open-Second Mortgage P&I does not appear to be included in ratios on 1008 causing variance in DTI audit 45.04% vs lender 41.39%. - Due Diligence Vendor-05/30/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 Ready for Review-Document Uploaded. Please see the corrected 1008 with the payment of the 2nd and updated Insurance and Taxes. Ratios are xxx/xxx - Seller-05/30/2025 |
Resolved-updated 1003 with correct Primary PITIA listed - Due Diligence Vendor-06/06/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 43.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 43.42 Years |
xxx.pdf xxx .jpg xxx.jpg xxx.jpg xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11912306 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1344 | 2025-05-22 14:10 | 2025-06-03 12:50 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-xxx xxx xxx statement provided. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-05/30/2025 Open-Account Number *xxx xxx xxx Statement is missing - Due Diligence Vendor-05/22/2025 |
Ready for Review-Document Uploaded. - Seller-05/30/2025 |
Resolved-xxx Bank statement provided. - Due Diligence Vendor-06/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 43.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.1 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 43.42 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14555520 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18089007 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 13554218 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE8611 | 2025-05-30 09:04 | 2025-06-03 16:10 | Resolved | 1 - Information | C | A | Credit | Income | Income/Employment General | Resolved-Updated 1008 provided with audited DTI of 43.849% - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/31/2025 Open-Income discrepancy causing DTI discrepancy. Final 1003 & 1008 reflect B2 base income of $xxx. Income docs reflect $xxx. Audit DTI 43.84% vs Lender 39.57%. Provide updated 1008 or updated income docs reflecting base income of $xxx. - Due Diligence Vendor-05/30/2025 |
Resolved-Updated 1008 provided with audited DTI of 43.849% - Due Diligence Vendor-06/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.37 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11367735 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-05-23 06:29 | 2025-06-06 15:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Note, First Payment Letter and Final CD provided. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. Thank you for the clarification. Please see attached as requested. Thanks! - Buyer-06/05/2025 Counter-Document Uploaded. Final 1003 reflects xxx on B1 application showing xxx - New Loan iao $xxx with a monthly payment of $xxx. First Payment Letter, Note and/or Final CD are missing. - Due Diligence Vendor-06/03/2025 Ready for Review-Rebut-not sure why you're asking for this. No indication that the borrower has ownership in this property. Please clarify or clear. Thanks! - Buyer-05/30/2025 Open-Mortgage Statement is missing for "xxx " - Due Diligence Vendor-05/23/2025 |
Resolved-Note, First Payment Letter and Final CD provided. - Due Diligence Vendor-06/06/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.06 Years |
xxx.jpg xxx.jpg xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11367735 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE7497 | 2025-05-23 06:29 | 2025-06-03 08:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 Open-HOA is missing for "xxx" - Due Diligence Vendor-05/23/2025 |
Resolved-HOA statement provided. - Due Diligence Vendor-06/03/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.11 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.06 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19165195 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-05-23 14:26 | 2025-05-31 11:47 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD in lieu of FCD w/ICD issued not less than 3 days prior to consummation, and no fee increase, is compliant, no additional compliance findings. - Due Diligence Vendor-05/31/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-05/30/2025 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-05/23/2025 |
Resolved-PCCD in lieu of FCD w/ICD issued not less than 3 days prior to consummation, and no fee increase, is compliant, no additional compliance findings. - Due Diligence Vendor-05/31/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.50 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.39 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.38 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14815954 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE1195 | 2025-05-29 20:21 | 2025-06-03 13:43 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-05/30/2025 Open-Audited CLTV of 80.04% exceeds Guideline CLTV of 80% - Due Diligence Vendor-05/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/30/2025 |
Resolved-Audited CLTV of 79.99% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-06/03/2025 |
Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14815954 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-47 | 2025-05-27 13:59 | 2025-05-31 10:08 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 Ready for Review-Document Uploaded. - Seller-05/30/2025 Open-******* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-05/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/30/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-05/31/2025 |
Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 13 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.59 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13687420 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15373810 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13437980 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17701210 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10087425 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18127831 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16243693 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13466620 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15986945 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10205540 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2025-05-31 19:27 | 2025-06-04 16:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/04/2025 Ready for Review-A copy of our fraud report can be located starting on xxx in the closed loan package. - Seller-06/02/2025 Open-Missing Third Party Fraud Report Provide the Third-Party Fraud Report for the Borrower and Co-borrower. - Due Diligence Vendor-05/31/2025 |
Ready for Review-A copy of our fraud report can be located starting on page xxx of xxx in the closed loan package. - Seller-06/02/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/04/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 523 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.79% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.23 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19589318 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11053305 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11725648 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11068704 | xxx | xxx | D | B | D | B | A | A | A | A | Closed | FCRE1164 | 2025-06-03 16:47 | 2025-06-03 16:48 | Waived | 2 - Non-Material | D | B | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Waived-Approved Lender Exception: Exception to waive the requirement for flood insurance. Garage is the only portion in the flood zone. - Due Diligence Vendor-06/03/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/03/2025 |
Waived-Approved Lender Exception: Exception to waive the requirement for flood insurance. Garage is the only portion in the flood zone. - Due Diligence Vendor-06/03/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years |
B has multiple mortgages dating back to xxx. NO lates reported on any of the trades. Max - 80% Subject - 74.2% |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | ||
| 14940931 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11250616 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-27 16:55 | 2025-06-04 08:26 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. - Seller-06/03/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/03/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.66% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.81 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.75 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.12 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14230541 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11182366 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12349430 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 13244314 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13436061 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14917543 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15045124 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-06-02 12:52 | 2025-06-05 12:24 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/03/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/03/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/05/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.42 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.25 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.25 Years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15856109 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17596955 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 11915383 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15926618 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19699553 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2025-05-29 05:42 | 2025-06-05 13:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Drivers License Provided for both borrowers. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-Borrower 1 Citizenship Documentation Is Missing Provide the Patriot Act Identification for xxx and xxx. - Due Diligence Vendor-05/29/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-Drivers License Provided for both borrowers. - Due Diligence Vendor-06/05/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.13 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.13 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15436070 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2025-06-02 19:41 | 2025-06-04 10:45 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-1008/Underwriting Summary Partially Provided The provided Underwriting Transmittal Summary does not include the first lien mortgage payment amount for the subject property. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.08 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.38 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.69% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.17 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16253130 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1196 | 2025-06-02 13:22 | 2025-06-04 12:49 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. Not sure what you're looking for. The exception was granted. - Buyer-06/02/2025 Open-Audited HCLTV of 79.24% exceeds Guideline HCLTV of 75% Exception for LTV is on xxx. - Due Diligence Vendor-06/02/2025 |
Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Max - 50% Subject - < 20% History dating back to xxx. NO lates reported |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx | |
| 16253130 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1195 | 2025-06-02 13:22 | 2025-06-04 12:47 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. No sure what you need. A copy of the exception approval that was submitted with the file is attached again for your review. - Buyer-06/02/2025 Open-Audited CLTV of 79.24% exceeds Guideline CLTV of 75% Exception for LTV is on xxx. - Due Diligence Vendor-06/02/2025 |
Waived-Approved Lender Exception: Max LIV for warrantable condos - 75% Subject -80%. Also, received an exterior appraisal in lieu of a PCI. using value from exterior for qualifying. - Due Diligence Vendor-06/04/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |
Max - 50% Subject - < 20% History dating back to xxx. NO lates reported |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes | xxx | |
| 18783962 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-06-02 11:35 | 2025-06-04 17:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/02/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/04/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.58% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18852979 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-06-02 12:17 | 2025-06-04 16:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-06/02/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/04/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.67 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.64 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15346668 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 10408411 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2025-06-02 14:10 | 2025-06-04 17:44 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/02/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-06/02/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/04/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 13630448 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19124701 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 17546688 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-06-02 15:53 | 2025-06-05 10:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-xxx statement provided. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/03/2025 Open-Missing the xxx statement from xxx acct #xxx that reflects minimum deposits totaling $xxx for the month. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/03/2025 |
Resolved-xxx Bank statement provided. - Due Diligence Vendor-06/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years Borrower At Current Residence For Five (5) Or More Years - 5.58 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12101279 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11117440 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14019170 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3631 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. ************************** CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Ready for Review-Document Uploaded. Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 |
Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14019170 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3632 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 Ready for Review-Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. ************************** CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Ready for Review-Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 |
Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14019170 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-05-30 19:05 | 2025-06-10 08:35 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 Ready for Review-You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Counter-xxx Initial Loan Estimate provided indicates a credit report charge of $xxx and a Processing fee of $xxx. - These charges increased to $xxx and $xxx respectively. -- Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing - Due Diligence Vendor-06/09/2025 Ready for Review-Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $146.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ************************** CREDIT REPORT increased from xxx to xxx with no evidence of a valid change of circumstance event evident. O% cure in the amount of $xxx is required. `````additionally `````` PROCESSING FEE in the amount of xxx increased to xxx. This fee appears to have been under disclosed at initial loan estimate. 0% tolerance cure in the amount of $xxx is required. .>>>>>>>>>>>>>>>>>>>> Total of ALL 0% tolerance violations = $xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing.`````` - Due Diligence Vendor-06/04/2025 |
Ready for Review-You are looking on the withdrawn disclosure(xxx). Please refer to the new initial disclosure (xxx) issued on xxx. The credit report is $xxx and a processing fee of $xxx all the way to closing - Seller-06/09/2025 Ready for Review-Please re-visit. There was no increase on credit report fee, from initial LE to 2ND CD credit report is at $xxx it was reduced to $xxx at closing CD. for the 3RD party Processing Fee : the amount never changed, $xxx from Initial LE to Closing CD - Seller-06/06/2025 |
Resolved-Application date xxx - Due Diligence Vendor-06/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14479238 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-06-04 12:03 | 2025-06-10 13:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Concur- please see updated 1008 - Buyer-06/08/2025 Open-DTI variance, Lender used full PITIA in final 1008 for 1st lien P&I only. Discrepancy - audit 37.76% vs lender 43.09% - Due Diligence Vendor-06/04/2025 |
Resolved-Updated 1008 provided now reflecting audited DTI - Due Diligence Vendor-06/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.15 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19354833 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18925109 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18986439 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18786301 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 12175215 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18016369 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19698993 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11993949 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15585066 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10121475 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16380875 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18690794 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-05-30 08:55 | 2025-06-05 14:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-Borrower 1 Gap Credit Report is Missing The Gap Credit Report for xxx was not located in the loan file. - Due Diligence Vendor-05/30/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18129599 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10854784 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11169185 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13354973 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1145 | 2025-06-02 10:36 | 2025-06-05 14:46 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-Title Document is missing. - Due Diligence Vendor-06/02/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 13354973 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3652 | 2025-06-02 16:34 | 2025-06-05 13:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). *** Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/05/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years. Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18. Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 10.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14619617 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17507716 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10099967 | xxx | xxx | C | A | A | A | A | A | C | A | Closed | FVAL9739 | 2025-06-03 18:23 | 2025-06-13 14:05 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Updated 1008 provided & LOE confirming the Monthly HOA fee is $xxx per month - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. Concur with the appraiser-please see attached revised 1008 and email from the HOA management company. - Buyer-06/11/2025 Open-Hoa dues on the appraisal state $xxx per month. Lender to provide documentation showing hoa dues are $xxx a month - Due Diligence Vendor-06/03/2025 |
Resolved-Updated 1008 provided & LOE confirming the Monthly HOA fee is $xxx per month - Due Diligence Vendor-06/13/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.77% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.02 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.02 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 10256461 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13409063 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1197 | 2025-06-04 09:02 | 2025-06-06 16:56 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of xxx - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Audited FICO of is less than Guideline FICO of xxx Audited FICO is missing, assumed less than Guideline FICO of xxx. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Audited FICO of xxx is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1182 | 2025-06-04 09:02 | 2025-06-06 16:56 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-1008/Underwriting Summary Not Provided. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1161 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Missing Flood Certificate - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1164 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. not needed, not in a flood zone - Seller-06/05/2025 Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. not needed, not in a flood zone - Seller-06/05/2025 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1157 | 2025-06-03 01:33 | 2025-06-06 16:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Missing Hazard Insurance Policy - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1201 | 2025-06-03 01:35 | 2025-06-06 16:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1437 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. I apologize, I was not able to upload the CREDIT with the closing package. - Seller-06/05/2025 Open-Income and Employment Do Not Meet Guidelines. Missing income documents for both B1 & B2. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. I apologize, I was not able to upload the CREDIT with the closing package. - Seller-06/05/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1348 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information | C | A | Credit | Employment | Borrower 2 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 2 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 2 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1347 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1317 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information | C | A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1316 | 2025-06-03 01:39 | 2025-06-06 16:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE1145 | 2025-06-03 01:23 | 2025-06-06 16:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Title Document is missing - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE5770 | 2025-06-03 01:48 | 2025-06-06 16:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCRE5771 | 2025-06-03 01:48 | 2025-06-06 16:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1252 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-*** Initial Loan Estimate (required to be provided to the consumer within 3 business days after application), has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM4227 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-**** Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1797 | 2025-06-03 06:55 | 2025-06-06 09:12 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open- - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-documentation received, data entered, no additional compliance findings - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2025-06-03 07:08 | 2025-06-06 08:54 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1477 | 2025-06-03 07:08 | 2025-06-06 08:54 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18493126 | xxx | xxx | D | A | D | A | D | A | A | A | Closed | FCOM1231 | 2025-06-03 01:07 | 2025-06-06 08:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-The Initial 1003 is Missing - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 19.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years. Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.78 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10440327 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||
| 14454760 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1253 | 2025-06-02 21:33 | 2025-06-05 12:37 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Seller-06/03/2025 Open-Missing Property Tax Cert in The Package - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/03/2025 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-06/05/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.92% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17476367 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE5790 | 2025-06-04 18:03 | 2025-06-06 17:05 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17476367 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | FCRE5791 | 2025-06-04 18:03 | 2025-06-06 17:05 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-06/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17476367 | xxx | xxx | C | A | C | A | C | A | A | A | Closed | finding-3652 | 2025-06-02 17:37 | 2025-06-06 09:23 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/05/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ****Lender Credit reduced from$xxx to $xxx on the FCD , resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/05/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.12 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 32.67 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.05 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.5% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14786503 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18347062 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-06-03 13:49 | 2025-06-06 13:58 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. Borrower did not start using xxx as primary until xxx xxx. Attached are the statements & LOE. - Seller-06/04/2025 Open-Borrower 1 Business xxx Statements Missing xxx - xxx xxx xxx and xxx xxx Statements not provided. LOE for switching business account missing. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. Borrower did not start using xxx as primary until xxx xxx . Attached are the statements & LOE. - Seller-06/04/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.40 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18347062 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1145 | 2025-06-03 13:42 | 2025-06-06 13:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. - Seller-06/04/2025 Open-Title Document is missing Title policy not provided. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/04/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/06/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.21% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.69% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.40 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19046210 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12745747 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11904096 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11626222 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1262 | 2025-06-04 15:32 | 2025-06-12 14:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. - Seller-06/11/2025 Counter-******* •Per documentation provided. Borrower executed Right to Cancel(s) on xxx Please Provided xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Right of Rescission is Missing - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.32% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.37 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19697596 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16454329 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17385827 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-06-03 15:58 | 2025-06-11 14:08 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.58% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.62% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16285476 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13498923 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12939319 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19589611 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16722031 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE1200 | 2025-06-05 09:07 | 2025-06-10 13:28 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Approved Lender Exception: Min = $xxx Subject - xxx. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see attached exception approval that was made during the UW process. - Buyer-06/07/2025 Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-06/05/2025 |
Waived-Approved Lender Exception: Min = $xxx Subject - xxx. - Due Diligence Vendor-06/10/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.90 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |
Accounts dating back to xxx. No later reported on any of the trades. Borrower has been with the same job for almost 10 years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |
| 16462074 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 11015785 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2025-06-04 02:13 | 2025-06-06 09:52 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 Ready for Review-Document Uploaded. initial CD went out xxx and was esigned by both borrowers on xxx. Here is the signed CD that was already in the package. Earliest doc date is xxx. - Buyer-06/05/2025 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. *****Lender to provide evidence that the borrow receive the initial closing disclosure - Due Diligence Vendor-06/05/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | ||
| 16644456 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 15837192 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17475972 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18744451 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14274503 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17742508 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3542 | 2025-06-09 07:56 | 2025-06-14 23:08 | Resolved | 1 - Information | C | A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Resolved - Due Diligence Vendor-06/15/2025 Ready for Review-Can you explain why we need to reset the 3 day waiting period? The COC for the revised CD was due to pricing adjust due to DTI change. The APR went from by .xxx from initial CD - Seller-06/13/2025 Open-This loan failed the revised closing disclosure delivery date test (waiting period required).( 12 CFR §1026.19(f)(2)(ii) )The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-06/09/2025 |
Ready for Review-Can you explain why we need to reset the xxx day waiting period? The COC for the revised CD was due to pricing adjust due to DTI change. The APR went from by xxx from initial CD - Seller-06/13/2025 |
Resolved-Resolved - Due Diligence Vendor-06/15/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17742508 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE1145 | 2025-06-04 11:29 | 2025-06-10 09:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-Title Document is missing in Package. - Due Diligence Vendor-06/04/2025 |
Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-Title Document is fully Present - Due Diligence Vendor-06/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17742508 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2025-06-05 18:57 | 2025-06-10 09:35 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17742508 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-3652 | 2025-06-04 16:37 | 2025-06-09 07:56 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC events provided - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***Lender credit decreased in the Final CD. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-06/06/2025 |
Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-COC events provided - Due Diligence Vendor-06/09/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 30.09% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 40.00 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14079071 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE9549 | 2025-06-05 15:58 | 2025-06-12 16:15 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Updated 1003 & CBR provided. - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. Attached Credit Report & corrected 1003 showing the mo. Payment of $xxx - Seller-06/10/2025 Counter-Document Uploaded. Per Final 1003 it states xxx with a Monthly Payment of $xxx & an UPD of $xxx - Missing supporting documentation for this debt - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-Documentation to verify new credit account monthly payment of $xxx to xxx was not provided. - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. Attached Credit Report & corrected 1003 showing the mo. Payment of $xxx - Seller-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-Updated 1003 & CBR provided. - Due Diligence Vendor-06/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.56 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.56 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf xxx.jpg xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14079071 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2025-06-05 15:29 | 2025-06-10 09:57 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-Missing HO-6 Master Insurance Policy Provide the Master Condominium Insurance Policy for xxx. - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.56 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.56 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 18231759 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-06-04 17:12 | 2025-06-09 08:04 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. - Seller-06/06/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/06/2025 |
Ready for Review-Document Uploaded. - Seller-06/06/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/09/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.41 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 30.42 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10819636 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-06-06 17:06 | 2025-06-10 08:28 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/09/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ****The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/06/2025 |
Ready for Review-Document Uploaded. - Seller-06/09/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.49 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 40.21% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.49 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10446512 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 13216642 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 13816374 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 19860100 | xxx | xxx | C | B | C | B | A | A | C | A | Closed | FVAL9739 | 2025-06-10 13:05 | 2025-06-13 14:10 | Resolved | 1 - Information | C | A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal Provided. - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/12/2025 Open-Appraisal states Subject Property is Owner occupied however Documents in file show this is an Investment Property. - Due Diligence Vendor-06/10/2025 |
Resolved-Updated Appraisal Provided. - Due Diligence Vendor-06/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19860100 | xxx | xxx | C | B | C | B | A | A | C | A | Closed | FCRE3874 | 2025-06-05 15:11 | 2025-06-13 14:09 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Approved Lender Exception: Exception needed for rural investment property. - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. Please see attached. We made an exception for this during the underwriting process. - Buyer-06/11/2025 Counter-Subject Loan is an Investment Property, Per 2nd Lien guidelines: xxx Ineligible Property Types -Rural Investor Properties & Rural 2nd Home - are Ineligible. - Due Diligence Vendor-06/10/2025 Ready for Review-Unclear as to what this finding means. Please clarify. - Buyer-06/07/2025 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Validated - Due Diligence Vendor-06/05/2025 |
Waived-Approved Lender Exception: Exception needed for rural investment property. - Due Diligence Vendor-06/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.41 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
Credit dating back to xxx. No lates on entire report. Mtg dating back to xxx. Proof of receipt, but not using rental income for qualifying. Has owned xxx business for 8+ years |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx | |
| 11865622 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-06-06 09:42 | 2025-06-10 13:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or xxx Statement Summary Provided - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/07/2025 Open-Missing Lender Worksheet or xxx Statement Summary - Due Diligence Vendor-06/06/2025 |
Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-06/10/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.55 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.8% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 12751613 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | ||||||||||||||||||
| 11258680 | xxx | xxx | B | A | A | A | B | A | A | A | Closed | FCOM1266 | 2025-06-05 21:37 | 2025-06-09 08:33 | Resolved | 1 - Information | B | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/08/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-06/06/2025 |
Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-06/09/2025 |
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.32 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.63 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.73% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17761423 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE8201 | 2025-06-10 16:46 | 2025-06-10 16:48 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Approved Lender Exception: Exception needed for borrowers in active forbearance that was taken out as a precaution due to business in the xxx xxx xxx. Outstanding balance will be paid off at closing. - Due Diligence Vendor-06/10/2025 |
Waived-Approved Lender Exception: Exception needed for borrowers in active forbearance that was taken out as a precaution due to business in the xxx xxx xxx. Outstanding balance will be paid off at closing. - Due Diligence Vendor-06/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.71% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.66 Years |
Max - 90% Subject - 74.7% edx - 50% Subject - 37% History dating back to xxx-no lates reported |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | ||
| 17761423 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE5790 | 2025-06-06 18:25 | 2025-06-10 16:42 | Waived | 2 - Non-Material | C | B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Waived-Approved Lender Exception: Exception for gap credit report expired by 1 day. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/09/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-06/06/2025 |
Waived-Approved Lender Exception: Exception for gap credit report expired by 1 day. - Due Diligence Vendor-06/10/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.71% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.66 Years |
Max - 90% Subject - 74.7% DTI - 50% Subject - 37% History dating back to xxx -no lates reported |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | |
| 11640616 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 17801558 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16986429 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-06-06 17:30 | 2025-06-11 09:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO Docs Provided. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/09/2025 Open-For the following properties mortgage statement for the 2nd mortgage are missing: xxx xxx Missing mortgage statement for xxx. - Due Diligence Vendor-06/06/2025 |
Ready for Review-Document Uploaded. - Seller-06/09/2025 |
Resolved-REO Docs Provided. - Due Diligence Vendor-06/11/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.98% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 3441 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.43 Years |
xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19913108 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18276058 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15903646 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15205486 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5782 | 2025-06-05 13:39 | 2025-06-11 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.74 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.3% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.83 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15205486 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE5783 | 2025-06-05 13:39 | 2025-06-11 14:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-06/11/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.74 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.3% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.83 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11295788 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14736015 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE5790 | 2025-06-05 10:00 | 2025-06-13 13:31 | Resolved | 1 - Information | C | A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. - Seller-06/11/2025 Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Settlement Date). - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/11/2025 |
Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-06/13/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 17681369 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13690304 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18049024 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19498835 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1156 | 2025-06-07 14:36 | 2025-06-11 13:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/09/2025 Open-Named Insured does not match Borrower(s) Name(s) B2's name is spelled incorrectly on hazard Dec page. Name should be spelled xxx not xxx - Due Diligence Vendor-06/07/2025 |
Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-06/11/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.55% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.40 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.40 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17246585 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-06-06 05:21 | 2025-06-10 08:22 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/09/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/08/2025 |
Ready for Review-Document Uploaded. - Seller-06/09/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/10/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19705211 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2025-06-09 02:47 | 2025-06-11 11:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-*******Closing date is xxx. Original file appears to be missing the Initial CD issued at least 3 business days prior to closing. Lender to provide a copy of the Initial CD with evidence of delivery to the borrower. - Due Diligence Vendor-06/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19705211 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM3957 | 2025-06-09 02:48 | 2025-06-11 11:30 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Application Date is xxx. and Initial Loan Estimate not provided within 3 Business days of application. - Due Diligence Vendor-06/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-TRID disclosures received, data entered, no additional compliance findings. - Due Diligence Vendor-06/11/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19705211 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-06-05 15:43 | 2025-06-11 11:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/11/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 19705211 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1477 | 2025-06-09 02:44 | 2025-06-11 09:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Seller-06/10/2025 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-06/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/10/2025 |
Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-06/11/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.6% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 16862895 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-697 | 2025-06-09 13:58 | 2025-06-10 09:27 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Resolved-Refund to borrower in the amount of xxx provided - Due Diligence Vendor-06/10/2025 Resolved-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. xxx xxx Refund of xxx provided - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Seller-06/09/2025 Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx.***** $xxx Variance - Due Diligence Vendor-06/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/09/2025 |
Resolved-Refund to borrower in the amount of xxx provided - Due Diligence Vendor-06/10/2025 Resolved-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is $xxx or more.The lesser of 8 percent of the total loan amount or $xxx if the total loan amount is less than $xxx. xxx xxx Refund of xxx provided - Due Diligence Vendor-06/10/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.92 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.48 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 17823654 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17705140 | xxx | xxx | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2025-06-07 08:27 | 2025-06-17 09:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD received - no increase to ICD provided 3 days prior to consummation, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. see attached! - Buyer-06/16/2025 Counter-*** Please provide Lender PCCD balanced to title final figures for review. Thank you - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. see attached - Buyer-06/11/2025 Open-TRID: Missing Final Closing Disclosure **** Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-06/07/2025 |
Resolved-PCCD received - no increase to ICD provided 3 days prior to consummation, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.41 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.41 Years |
xxx.pdf xxx.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 19398401 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 14834834 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 12385938 | xxx | xxx | C | B | C | B | A | A | A | A | Closed | FCRE3874 | 2025-06-10 12:04 | 2025-06-13 13:52 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Approved Lender Exception: Exception needed for rural investment property. Subject is in xxx xxx and is close to the local schools, rec xxxs, and downtown. Not used for Ag purposes. - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. Please see attached exception that was discussed during underwriting but failed to get the formal approval in the file. - Buyer-06/11/2025 Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per Guidelines: xxx Loan Eligibility Guidelines HELoans xxx. PDF page 12 Section xxx Ineligible Property Types: Rural Investor Properties & Rural 2nd homes - Due Diligence Vendor-06/10/2025 |
Waived-Approved Lender Exception: Exception needed for rural investment property. Subject is in xxx County and is close to the local schools, rec xxxs, and downtown. Not used for Ag purposes. - Due Diligence Vendor-06/13/2025 |
LTV: Max - 80% Subject - 60% B has multiple mortgages dating back to xxx. No lates reported on any of the trades. |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx | ||
| 17396764 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE6696 | 2025-06-10 14:29 | 2025-06-13 14:01 | Resolved | 1 - Information | C | A | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Resolved-Business License Provided - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. Rebut - CPA letter not required. Attached license from the City of xxx confirms business has been operating since xxx. - Buyer-06/11/2025 Open-Missing CPA Verification of Borrower 2 years - Due Diligence Vendor-06/10/2025 |
Resolved-Business License Provided - Due Diligence Vendor-06/13/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.27 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15432250 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1342 | 2025-06-06 17:58 | 2025-06-15 11:54 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business xxx Statements Provided - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/12/2025 Open-Borrower 1 Business xxx Statements Missing - Due Diligence Vendor-06/06/2025 |
Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-06/15/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.99% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.71 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 15858324 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 15824237 | xxx | xxx | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2025-06-12 10:51 | 2025-06-15 12:00 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Updated 1008 provided now reflecting audited DTI of 37.071% - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. - Seller-06/12/2025 Open-Underwriting summary provided does not include monthly HOA amount of $xxx which is causing a DTI discrepancy audit 37.07% vs lender 33.31% - Due Diligence Vendor-06/12/2025 |
Ready for Review-Document Uploaded. - Seller-06/12/2025 |
Resolved-Updated 1008 provided now reflecting audited DTI of 37.071% - Due Diligence Vendor-06/15/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.33% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 14527575 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17722744 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18128073 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-06-11 15:53 | 2025-06-13 14:19 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided. - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. See the attached updated 1008 – Ratios are xxx/xxx - Seller-06/11/2025 Open-DTI difference of 22.38% vs. the approved 28.397% is due to the 1008 reflecting the 1st lien full PITIA payment with the insurance and taxes counted again. 1008 shows the full amount of $xxx (PITIA) + taxes, insurance and HOA separately vs. $xxx (P&I) + taxes, HOI, HOA separately. - Due Diligence Vendor-06/11/2025 |
Ready for Review-Document Uploaded. See the attached updated 1008 – Ratios are xxx/xxx- Seller-06/11/2025 |
Resolved-Updated 1008 provided. - Due Diligence Vendor-06/13/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.94% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.22 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.22 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 11176264 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE9163 | 2025-06-11 10:12 | 2025-06-13 14:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Account xxx -xxx is not in the borrower's name ( Credit card statement provided. ) - Due Diligence Vendor-06/13/2025 Ready for Review-Document Uploaded. - Seller-06/11/2025 Open-Loan file does not contain documentation to support the exclusion of Revolving account xxx -xxx. - Due Diligence Vendor-06/11/2025 |
Ready for Review-Document Uploaded. - Seller-06/11/2025 |
Resolved-Account xxx -xxx is not in the borrower's name ( Credit card statement provided. ) - Due Diligence Vendor-06/13/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.08 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.42 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 38.08% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx | |
| 11766032 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-06-10 18:04 | 2025-06-12 14:32 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025 Ready for Review-Document Uploaded. - Seller-06/11/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ******* Borrower executed documents on xxx.Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/11/2025 |
Ready for Review-Document Uploaded. - Seller-06/11/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/12/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.37 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.92 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12895988 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-06-11 18:06 | 2025-06-16 12:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025 Ready for Review-Document Uploaded. VOE - Seller-06/13/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide the Prior to Close Verbal Verification of Employment from xxx. - Due Diligence Vendor-06/11/2025 |
Ready for Review-Document Uploaded. VOE - Seller-06/13/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 12895988 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1437 | 2025-06-11 18:06 | 2025-06-16 12:29 | Resolved | 1 - Information | C | A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/16/2025 Open-Income and Employment Do Not Meet Guidelines The provided paystub from xxx dated xxx exceeds 60 days. - Due Diligence Vendor-06/11/2025 |
Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-06/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | |||
| 15376607 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | FCRE5782 | 2025-06-09 16:31 | 2025-06-16 12:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 Ready for Review-Document Uploaded. - Seller-06/13/2025 Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-06/09/2025 |
Ready for Review-Document Uploaded. - Seller-06/13/2025 |
Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-06/16/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 15376607 | xxx | xxx | D | A | D | A | C | A | A | A | Closed | finding-47 | 2025-06-10 10:27 | 2025-06-15 18:14 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. - Seller-06/13/2025 Open-******* Borrower executed documents on xxx. Please Provide xxx Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-06/13/2025 |
Ready for Review-Document Uploaded. - Seller-06/13/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.70 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.71 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.08 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | |
| 10047471 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10721827 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | ||||||||||||||||||
| 15902939 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 16891980 | xxx | xxx | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-06-12 09:55 | 2025-06-15 13:55 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/15/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx . Previous policy is still in effect, however, subject lender not listed as ISAOA until xxx. - Due Diligence Vendor-06/12/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More. Calculated DTI Of 37.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.62 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years. Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 54.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.75 Years. Borrower At Current Residence For Five (5) Or More Years - 8.75 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 17168378 | xxx | xxx | D | A | D | A | A | A | A | A | Closed | FCRE1316 | 2025-06-12 11:15 | 2025-06-16 15:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025 Ready for Review-My apologies. Was reviewing a couple of findings at the same time. Please see attached. The VVOE was processed on xxx. - Buyer-06/15/2025 Counter-The Exception is stating Missing VVOE Prior to Close Missing, guidelines require to be verified within 10-days of the Note date. - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. Rebut-please see attached excerpt from the xxx guidelines. Gap report must be within 15 days of the note date, which it is. Note is dated xxx. - Buyer-06/15/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing, guidelines require to be verified within 10-days of the Note date. - Due Diligence Vendor-06/12/2025 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/16/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More. Original CLTV Of 68.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years. Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.86 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.86 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.86 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.86 Years |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 18528943 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-3652 | 2025-06-11 16:25 | 2025-06-15 18:05 | Resolved | 1 - Information | C | A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. - Seller-06/13/2025 Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ***The lender credit in Section J decreased in the CD issued xxx and remained that that amount through the final CD. Lender credits cannot decrease without a valid COC reason. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-06/12/2025 |
Ready for Review-Document Uploaded. - Seller-06/13/2025 |
Resolved-COC event details received, data entered, no additional compliance findings. - Due Diligence Vendor-06/15/2025 |
Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.17 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx | |
| 14726414 | xxx | xxx | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-06-11 13:31 | 2025-06-17 09:05 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. see attached PCCD - Buyer-06/16/2025 Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ***The Final CD shows a funding date of xxx which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-06/12/2025 |
Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/17/2025 |
Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.02 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 21.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xxx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14907778 | xxx | xxx | D | A | C | A | D | A | A | A | Closed | FCOM5454 | 2025-06-12 15:02 | 2025-06-17 07:04 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved-PPP "Addendum" to the Note provided - Due Diligence Vendor-06/17/2025 Ready for Review-Document Uploaded. see attached - Buyer-06/16/2025 Counter-Missing the PPP "Addendum" to the Note. - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. see attached - Buyer-06/13/2025 Open-Prepayment Addendum to Note missing. Used terms from Prepayment Rider for input. - Due Diligence Vendor-06/12/2025 |
Resolved-PPP "Addendum" to the Note provided - Due Diligence Vendor-06/17/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf xxx.pdf |
ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 14907778 | xxx | xxx | D | A | C | A | D | A | A | A | Closed | FCRE1159 | 2025-06-12 15:22 | 2025-06-15 13:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxxis prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 Ready for Review-Document Uploaded. Please see attached. - Buyer-06/15/2025 Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-06/12/2025 |
Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/15/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months. Months Reserves Of 31.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points. Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx | ||
| 11624503 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 18607514 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13379534 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | ||||||||||||||||||
| 19826982 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 13309631 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 18029396 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17667786 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 10517808 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 17297664 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||
| 16878715 | xxx | xxx | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |