Vista Point Assets LLC ABS-15G
Exhibit 99.4 - Schedule 2
| Loan ID | Dummy 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 |
| xx | 527472 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-01-30 13:13 | 2025-03-06 14:36 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved 03/06/2025: Received PCCD with refund check amount $717.64 and exception was cleared. - Due Diligence Vendor-03/06/2025 Resolved- - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 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 $717.64.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 LE dated 12/20/2024 Points and Loan Discount point fee is $0, Final CD dated 01/21/2025 Points and Loan Discount point fee is $717.64 fee increased $717.64 need valid COC or Cure. - Due Diligence Vendor-01/31/2025 |
Ready for Review-Document Uploaded. - Seller-03/04/2025 |
Resolved-Resolved 03/06/2025: Received PCCD with refund check amount $717.64 and exception was cleared. - Due Diligence Vendor-03/06/2025 Resolved- - Due Diligence Vendor-03/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.76 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 7.13% 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 - 5.27 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3318580 | |||
| xx | 552240 | C | A | A | A | C | A | A | A | Closed | finding-3622 | 2025-03-06 15:00 | 2025-03-06 15:08 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Post-Consummation Reason for Redisclosure Validation Test | Resolved-Resolved 03/06/2025: Received PCCD dated 03/05/2025 and exception was cleared. - Due Diligence Vendor-03/06/2025 Resolved- - Due Diligence Vendor-03/06/2025 Open-This loan failed the TRID post-consummation reason for redisclosure validation test.This loan contains a post-consummation revised closing disclosure delivery date but does not provide the reason for the redisclosure after consummation. The reason is required in order to audit post-consummation redisclosure timing tests. - Due Diligence Vendor-03/06/2025 |
Resolved-Resolved 03/06/2025: Received PCCD dated 03/05/2025 and exception was cleared. - Due Diligence Vendor-03/06/2025 Resolved- - Due Diligence Vendor-03/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.81 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 40.52% 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 - 23.72 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.0 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 - 23.73 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3548718 | |||||
| xx | 552240 | C | A | A | A | C | A | A | A | Closed | finding-3634 | 2025-01-24 05:06 | 2025-03-06 15:06 | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 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 $1,200.00.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). ***Initial LE dated 12/13/2024 reflects Transfer tax Fee $2100 however, Final CD dated 01/14/2025 reflects the Transfer Tax Fee $3300 The fee ($1200) has been increased for Transfer tax Fee which exceeds the 0% tolerance. Require valid COC or cure amount of $1200. - Due Diligence Vendor-01/24/2025 |
Resolved 03/06/2025: Received PCCD with refund check amount $1200.00 and exception was cleared. - 03/06/2025 Ready for Review-Document Uploaded. - Seller-03/06/2025 |
Resolved- - Due Diligence Vendor-03/06/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.81 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 40.52% 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 - 23.72 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.0 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 - 23.73 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3273628 | |||
| xx | 523788 | C | A | C | A | A | A | A | A | Closed | FCRE1193 | 2025-03-11 10:35 | 2025-03-13 20:28 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/14/2025 Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/13/2025 Open-Audited DTI of 50.06% exceeds Guideline DTI of 50% Audited DTI of 50.06% exceeds Guideline Max DTI of 50% - Due Diligence Vendor-03/11/2025 |
Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/14/2025 Resolved-Audited DTI of 49.99% is less than or equal to Guideline DTI of 50% - 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 - 15.46 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 - 15.46 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.92 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3580552 | |||||
| xx | 523788 | C | A | C | A | A | A | A | A | Closed | FPRO1508 | 2025-03-11 10:34 | 2025-03-13 20:26 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Resolved-Resolved-03/13/2025- Appraisal shows property has tankless water heater, so not required condition. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. Appraisal shows property has tankless water heater so this condition should not apply. Please clear condition - Seller-03/13/2025 Open-Water heater is not double strapped. xx law requires each water heater to be double strapped. - Due Diligence Vendor-03/11/2025 |
Ready for Review-Document Uploaded. Appraisal shows property has tankless water heater so this condition should not apply. Please clear condition - Seller-03/13/2025 |
Resolved-Resolved-03/13/2025- Appraisal shows property has tankless water heater, so not required condition. - 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 - 15.46 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 - 15.46 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.92 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3580533 | |||
| xx | 516621 | C | A | C | A | A | A | A | A | Closed | FCRE1169 | 2025-02-07 09:29 | 2025-02-20 19:52 | Resolved | 1 - Information | C | A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Resolved-02/20/2025-The PCCD shows the disbursement date as xx. - Due Diligence Vendor-02/21/2025 Ready for Review-The PCCD shows the disbursement date as xx. The FSS shows interest from 2/4/25. This is showing loan funded after the effective date of Flood Insurance. Please reconsider. - Seller-02/20/2025 Counter-Not Resolved - 02/19/2025 Flood Insurance The Effective Date of xx is after the Note Date of xx, however the settlement statement and PCCD document received do not show the effective date. - Due Diligence Vendor-02/20/2025 Ready for Review-Document Uploaded. - Seller-02/18/2025 Open-Flood Insurance Effective Date of xx is after the Note Date of xx Flood Insurance Effective Date of xx is after the Note Date of xx - Due Diligence Vendor-02/14/2025 Open-Flood Insurance Effective Date of xx is after the Note Date of xx Updated as per Flood Insurance document. - Due Diligence Vendor-02/07/2025 |
Ready for Review-The PCCD shows the disbursement date as xx. The FSS shows interest from 2/4/25. This is showing loan funded after the effective date of Flood Insurance. Please reconsider. - Seller-02/20/2025 Ready for Review-Document Uploaded. - Seller-02/18/2025 |
Resolved-Resolved-02/20/2025-The PCCD shows the disbursement date as xx. - Due Diligence Vendor-02/21/2025 |
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 - 11.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.38 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 - 9.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% 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 - 11.88 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3374335 | |||
| xx | 516621 | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2025-02-07 09:29 | 2025-02-14 18:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Resolved-02/14/2025-Hazard Insurance document received. - Due Diligence Vendor-02/14/2025 Ready for Review-Document Uploaded. - Seller-02/13/2025 Open-Hazard Insurance Effective Date of xx is after the Disbursement Date of xx Updated Hazard Insurance Effective Date and Disbursement Date as per Documents in the file. - Due Diligence Vendor-02/07/2025 |
Ready for Review-Document Uploaded. - Seller-02/13/2025 |
Resolved-Resolved-02/14/2025-Hazard Insurance document received. - Due Diligence Vendor-02/14/2025 |
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 - 11.75 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.38 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 - 9.5 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.63% 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 - 11.88 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3374336 | |||
| xx | 523889 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2025-04-02 11:02 | 2025-04-03 18:31 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Resolve-04/03/2025-Operating Agreement/equivalent and EIN document received. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Certificate of good standing, and/or evidence & LLC document for xx - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Resolved-Resolve-04/03/2025-Operating Agreement/equivalent and EIN document received. - Due Diligence Vendor-04/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751668 | |||
| xx | 523889 | D | A | D | A | A | A | A | A | Closed | FCRE1182 | 2025-03-31 19:31 | 2025-04-03 18:21 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-Resolve-04/03/2025- 1008 document received. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Resolved-Resolve-04/03/2025- 1008 document received. - Due Diligence Vendor-04/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3735878 | |||
| xx | 523889 | D | A | D | A | A | A | A | A | Closed | FCRE1254 | 2025-04-02 10:41 | 2025-04-03 10:37 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/03/2025 Open-Property Title Issue Properties owned is less than 6 months hence it is ineligible. As per Guideline Cash-out Seasoning with in 6 months is not acceptable. - Due Diligence Vendor-04/02/2025 |
Resolved-Property Title Issue Resolved - Due Diligence Vendor-04/03/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.56 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | N/A | N/A | 3751337 | |||||
| xx | 558978 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 560119 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 584249 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 568137 | C | A | C | A | C | A | A | A | Closed | finding-47 | 2025-02-26 17:32 | 2025-03-05 15:17 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 03/05/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-03/05/2025 Resolved- - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. - Seller-03/04/2025 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 xx - 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-02/27/2025 |
Ready for Review-Document Uploaded. - Seller-03/04/2025 |
Resolved-Resolved 03/05/2025: Received PCCD with funding date xx and exception was cleared. - Due Diligence Vendor-03/05/2025 Resolved- - Due Diligence Vendor-03/05/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.67 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 - 20 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3488569 | |||
| xx | 568137 | C | A | C | A | C | A | A | A | Closed | FCRE1199 | 2025-02-26 16:50 | 2025-02-28 20:24 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-As per Latest second Line guideline maximum loan amount is xx. - Due Diligence Vendor-03/01/2025 Ready for Review-Please see most recent update to matrix for VPM, loan amounts are now higher. - Seller-02/27/2025 Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 - Due Diligence Vendor-02/26/2025 |
Ready for Review-Please see most recent update to matrix for VPM, loan amounts are now higher. - Seller-02/27/2025 |
Resolved-As per Latest second Line guideline maximum loan amount is $750,000. - Due Diligence Vendor-03/01/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.73 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 - 11.67 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 - 20 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3488315 | ||||
| xx | 596114 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 578843 | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-03-12 13:56 | 2025-03-14 20:12 | Cured | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Cured-The appraisal documents no comments indicating whether the property is good or damaged, however the property county is "xx". - Due Diligence Vendor-03/15/2025 Ready for Review-Appraisal was done xx after disaster end date. Please clear condition. - Seller-03/13/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-03/12/2025 |
Ready for Review-Appraisal was done xx after disaster end date. Please clear condition. - Seller-03/13/2025 |
Cured-The appraisal documents no comments indicating whether the property is good or damaged, however the property county is "xx". - Due Diligence Vendor-03/15/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 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 - 43.70 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 - 43.71 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 17.76 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 | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3593959 | ||||
| xx | 526445 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 590677 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 596435 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 561539 | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-19 10:21 | 2025-02-20 20:04 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Resolved-02/20/2025-Post Disaster Inspection document received property is not damage. - Due Diligence Vendor-02/21/2025 Ready for Review-Document Uploaded. - Seller-02/20/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/19/2025 |
Ready for Review-Document Uploaded. - Seller-02/20/2025 |
Resolved-Resolved-02/20/2025-Post Disaster Inspection document received property is not damage. - Due Diligence Vendor-02/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 8.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3446003 | |||
| xx | 522850 | C | A | C | A | A | A | A | A | Closed | FCRE1441 | 2025-02-24 09:27 | 2025-02-24 21:46 | Resolved | 1 - Information | C | A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Resolved-02/24/2025- First mortgage is more than 6 months showing in credit report. - Due Diligence Vendor-02/25/2025 Ready for Review-The Credit report is showing xx National Mtg loan was paid off 11/24 and rated for 7 months prior to current 1st Note provided. - Seller-02/24/2025 Open-Delinquent Credit History Does Not Meet Guideline Requirements Cash-out Refinance & minimum 6 months current senior lien reporting on credit report is missing & 6 months ownership seasoning ineligible for refinance. - Due Diligence Vendor-02/24/2025 |
Ready for Review-The Credit report is showing xx National Mtg loan was paid off 11/24 and rated for 7 months prior to current 1st Note provided. - Seller-02/24/2025 |
Resolved-Resolved-02/24/2025- First mortgage is more than 6 months showing in credit report. - Due Diligence Vendor-02/25/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.18% 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 - 16 Years 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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22 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 - 9.72 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3468210 | ||||
| xx | 581681 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 563706 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 522643 | D | A | D | A | A | A | A | A | Closed | FCRE7551 | 2025-03-26 09:15 | 2025-04-11 19:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Divorce Decree is missing | Resolved-Resolved-04/11/2025- Divorce decree document received, where showing $10,000. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. - Seller-04/10/2025 Open-Final 1003 Reflects Child Support as $10,000 & proof is not evident . Require supporting proof ( Divorce decree ) for the Child support of $10,000 - Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. - Seller-04/10/2025 |
Resolved-Resolved-04/11/2025- Divorce decree document received, where showing $10,000. - Due Diligence Vendor-04/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% 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 xx 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 17.73 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 - 9.22 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3697087 | |||
| xx | 522643 | D | A | D | A | A | A | A | A | Closed | FCRE1199 | 2025-03-25 16:18 | 2025-04-03 17:08 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Resolve-04/03/2025: They received a new guideline that states that a maximum loan amount of $750,000 is allowed to be used. - Due Diligence Vendor-04/03/2025 Counter-Not Resolved-03/28/2025- The application was submitted on xx, however the new guidelines were received on 03/11/2025. - Due Diligence Vendor-03/28/2025 Ready for Review-Document Uploaded. Please update to use updated VPM guides allowing $750K - Seller-03/27/2025 Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 - Due Diligence Vendor-03/25/2025 |
Ready for Review-Document Uploaded. Please update to use updated VPM guides allowing $750K - Seller-03/27/2025 |
Resolved-Resolve-04/03/2025: They received a new guideline that states that a maximum loan amount of $750,000 is allowed to be used. - Due Diligence Vendor-04/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% 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 xx 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 17.73 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 - 9.22 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3693039 | |||
| xx | 522643 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-03-26 08:35 | 2025-04-03 16:56 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved 04/03/2025- Hazard insurance document received , whereas showing mortgage clause. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. Hazard ins w/1st and 2nd mortgagee clause attached. Please clear conditon. - Seller-04/03/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-03/26/2025 |
Ready for Review-Document Uploaded. Hazard ins w/1st and 2nd mortgagee clause attached. Please clear conditon. - Seller-04/03/2025 |
Resolved-Resolved 04/03/2025- Hazard insurance document received , whereas showing mortgage clause. - Due Diligence Vendor-04/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.36% 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 xx 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 17.73 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 - 9.22 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3696748 | |||
| xx | 538120 | D | A | A | A | A | A | D | A | Closed | FPRO4876 | 2025-02-28 12:35 | 2025-03-06 14:00 | Resolved | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Resolved-Resolved-03/06/2025-1004D received, property is not effected. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. Disaster ended 1/31/25 per attached disaster report. 1004D was completed xx for subject to items on appraisal and although it doesn't address fires the photos clearly show property was not affected. Can this be used to clear this condition? Thank you for your consideration. - Seller-03/05/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. Disaster ended 1/31/25 per attached disaster report. 1004D was completed xx for subject to items on appraisal and although it doesn't address fires the photos clearly show property was not affected. Can this be used to clear this condition? Thank you for your consideration. - Seller-03/05/2025 |
Resolved-Resolved-03/06/2025-1004D received, property is not effected. - Due Diligence Vendor-03/06/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 - 27.92 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 - 11.15 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.12 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 42.16% 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 744 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 - 11.16 Years |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3503297 | |||
| xx | 580021 | C | A | C | A | A | A | A | A | Closed | FCRE1182 | 2025-03-21 16:29 | 2025-03-24 13:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2025 Resolved-Resolved 03/24/2025: Received 1008 document with interest rate of 8.500% and exception was cleared. - Due Diligence Vendor-03/24/2025 Open-Document Uploaded. - Due Diligence Vendor-03/24/2025 Open-Kindly provide 1008 with rate of 8.5% to match Final Loan Approval, and reflecting the 2/28/2025 redrawn loan document/ Note Rate. Thank you. - Due Diligence Vendor-03/21/2025 Open- - Due Diligence Vendor-03/21/2025 |
Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-03/24/2025 Resolved-Resolved 03/24/2025: Received 1008 document with interest rate of 8.500% and exception was cleared. - Due Diligence Vendor-03/24/2025 |
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 Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 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 - 5.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3672268 | ||||
| xx | 580021 | C | A | C | A | A | A | A | A | Closed | FCRE1199 | 2025-03-12 15:49 | 2025-03-24 13:15 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-03/24/2025 Resolved-Received New guideline where the max loan amount is $750000 Received New guideline. - Due Diligence Vendor-03/15/2025 Ready for Review-Document Uploaded. Please refer to updated Matrix for this program :) - Seller-03/14/2025 Open-Audited Loan Amount of xx is greater than the Guideline Maximum Loan Amount of $600000 The maximum loan amount allowed by guidelines is $600,000; however, the loan amount of xx does not meet the requirements. - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. Please refer to updated Matrix for this program :) - Seller-03/14/2025 |
Resolved-Audited Loan Amount of xx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-03/24/2025 Resolved-Received New guideline where the max loan amount is $750000 Received New guideline. - Due Diligence Vendor-03/15/2025 |
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 0.02 Borrower 1 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3595650 | |||
| xx | 580021 | C | A | C | A | A | A | A | A | Closed | FCRE1320 | 2025-03-13 07:56 | 2025-03-14 20:22 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Resolved-Borrower Qualify with 1 year full doc. - Due Diligence Vendor-03/15/2025 Ready for Review-This is a 12 mo full doc loan not 24 mo and loan priced accordingly. Please clear condition. - Seller-03/14/2025 Open-Borrower 1 Personal Tax Returns Less Than 24 Months Provided Borrower qualified income from 1 year tax Returns - Due Diligence Vendor-03/13/2025 |
Ready for Review-This is a 12 mo full doc loan not 24 mo and loan priced accordingly. Please clear condition. - Seller-03/14/2025 |
Resolved-Borrower Qualify with 1 year full doc. - Due Diligence Vendor-03/15/2025 |
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 0.02 Borrower 1 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.08 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 42.62% 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 - 5.0 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3600285 | ||||
| xx | 567116 | B | A | B | A | A | A | A | A | Closed | FCRE1183 | 2025-04-28 13:45 | 2025-04-28 21:10 | 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-04/29/2025 Ready for Review-Document Uploaded. Corrected 1008 attached. Please clear condition - Seller-04/28/2025 Open-1008/Underwriting Summary Partially Provided Final 1008 Loan amount doesn't match the note amount . - Due Diligence Vendor-04/28/2025 |
Ready for Review-Document Uploaded. Corrected 1008 attached. Please clear condition - Seller-04/28/2025 |
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 - 7.70 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.38 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 - 8.54 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3982307 | |||
| xx | 520921 | C | A | C | A | A | A | A | A | Closed | FCRE1359 | 2025-04-07 11:41 | 2025-04-07 21:15 | Resolved | 1 - Information | C | A | Credit | Income | Borrower 2 W2/1099 Less Than 24 Months Provided | Resolved-Resolve-04/07/2025- According to guideline 1 year P&L is sufficient. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. B1 is documented under P&L 1 yr only program and guidelines 8.8.3 from Alt-Doc: P&L Requirements and Documentation indicates "Income from co-borrowers who are W2 wage earners is to be documented w/most recent W2 and Paystub". Please clear condition. - Seller-04/08/2025 Open-Borrower 2 W2/1099 Less Than 24 Months Provided . - Due Diligence Vendor-04/07/2025 |
Ready for Review-Document Uploaded. B1 is documented under P&L 1 yr only program and guidelines 8.8.3 from Alt-Doc: P&L Requirements and Documentation indicates "Income from co-borrowers who are W2 wage earners is to be documented w/most recent W2 and Paystub". Please clear condition. - Seller-04/08/2025 |
Resolved-Resolve-04/07/2025- According to guideline 1 year P&L is sufficient. - Due Diligence Vendor-04/08/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.81% 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 788 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 - 10.06 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 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 0.1 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.07 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3796073 | |||
| xx | 555067 | D | A | D | A | A | A | A | A | Closed | FCRE1193 | 2025-02-28 18:56 | 2025-03-06 13:47 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Resolved-03/06/2025- Document received, capital one payment going to paid off. - Due Diligence Vendor-03/06/2025 Ready for Review-Document Uploaded. xx documentation in file showing Business pays from business account ending xx with xx and xx printout coincides with xx printout payment dates and amounts. Credit only shows 12 digits of 16 digit credit card number but credit does show it's a business account and only one borrower has. xx documentation only shows last 4 digits acct ending xx which is not showing on credit report. Please clear condition. - Seller-03/05/2025 Open-Audited DTI of 51.75% exceeds Guideline DTI of 50% provide documentation to evidence the exclusion of xx #xx as the it does not appear to be paid off at closing nor does it appear to be paid by a third party. The 1008 does not include this in the DTI. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. xx documentation in file showing Business pays from business account ending xx with xx and xx printout coincides with xx printout payment dates and amounts. Credit only shows 12 digits of 16 digit credit card number but credit does show it's a business account and only one borrower has. xx documentation only shows last 4 digits acct ending xx which is not showing on credit report. Please clear condition. - Seller-03/05/2025 |
Resolved-Resolved-03/06/2025- Document received, xx payment going to paid off. - Due Diligence Vendor-03/06/2025 |
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 - 11.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 11.91 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3507460 | |||
| xx | 555067 | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2025-02-28 18:17 | 2025-03-05 16:42 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Resolved-03/05/2025-Lender Worksheets received. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Income worksheet attached - Seller-03/05/2025 Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. Income worksheet attached - Seller-03/05/2025 |
Resolved-Resolved-03/05/2025-Lender Worksheets received. - Due Diligence Vendor-03/05/2025 |
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 - 11.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 11.91 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3507352 | |||
| xx | 555067 | D | A | D | A | A | A | A | A | Closed | FCRE1202 | 2025-02-28 15:41 | 2025-03-05 16:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Resolved-03/05/2025-Fraud report document received. - Due Diligence Vendor-03/05/2025 Ready for Review-Document Uploaded. Complete Fraud report attached - Seller-03/05/2025 Open-Third Party Fraud Report Partially Provided Third Party Fraud Report missing in the loan package. - Due Diligence Vendor-02/28/2025 |
Ready for Review-Document Uploaded. Complete Fraud report attached - Seller-03/05/2025 |
Resolved-Resolved-03/05/2025-Fraud report document received. - Due Diligence Vendor-03/05/2025 |
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 - 11.91 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 11.91 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3505960 | |||
| xx | 500503 | D | A | C | A | A | A | D | A | Closed | FPRO1508 | 2025-03-13 09:03 | 2025-03-19 21:38 | Resolved | 1 - Information | C | A | Credit | Eligibility | Property Characteristics Do Not Meet Guideline Requirements | Resolved-Resolved-03/19/2025-1040D document received where showing the photo "Smoke and carbon monoxide detectors". - Due Diligence Vendor-03/20/2025 Ready for Review-Document Uploaded. 1004D attached - Seller-03/19/2025 Open-Provide final inspection from appraiser confirming the presence of Carbon Monoxide detectors installed in all bedroom's. - Due Diligence Vendor-03/13/2025 |
Ready for Review-Document Uploaded. 1004D attached - Seller-03/19/2025 |
Resolved-Resolved-03/19/2025-1040D document received where showing the photo "Smoke and carbon monoxide detectors". - Due Diligence Vendor-03/20/2025 |
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 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% 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 - 30 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3600837 | |||
| xx | 500503 | D | A | C | A | A | A | D | A | Closed | FPRO4876 | 2025-03-12 16:50 | 2025-03-17 22:54 | Cured | 1 - Information | D | A | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Cured-Appraisal was done on xx following the disaster accident, but there are no remarks indicating that the property was not damaged or affected by the disaster. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Appraisal was completed xx after disaster - Seller-03/14/2025 Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. Appraisal was completed xx after disaster - Seller-03/14/2025 |
Cured-Appraisal was done on xx following the disaster accident, but there are no remarks indicating that the property was not damaged or affected by the disaster. - Due Diligence Vendor-03/18/2025 |
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 0.21 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% 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 - 30 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596358 | |||
| xx | 500503 | D | A | C | A | A | A | D | A | Closed | FCRE1196 | 2025-03-12 17:16 | 2025-03-17 22:44 | Cured | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 Ready for Review-Please see matrix attached to other condtion - Seller-03/14/2025 Open-Audited HCLTV of xx exceeds Guideline HCLTV of 80% Audited HCLTV of xx exceeds Guideline HCLTV of 80% - Due Diligence Vendor-03/12/2025 |
Ready for Review-Please see matrix attached to other condtion - Seller-03/14/2025 |
Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 |
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 0.21 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% 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 - 30 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 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 | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596657 | ||||
| xx | 500503 | D | A | C | A | A | A | D | A | Closed | FCRE1195 | 2025-03-12 17:16 | 2025-03-17 22:43 | Cured | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Please see updated VPM matrix for CLTV - Seller-03/14/2025 Open-Audited CLTV of xx exceeds Guideline CLTV of 80% Audited CLTV of xx exceeds Guideline CLTV of 80% - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. Please see updated VPM matrix for CLTV - Seller-03/14/2025 |
Cured-Not Resolved: The application date is xx, and the closing date is xx; however, new guideline received, which date is 03/11/2025, so the condition not resolved. - Due Diligence Vendor-03/18/2025 |
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 0.21 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 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.87% 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 - 30 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596650 | |||
| xx | 564202 | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2025-04-10 10:34 | 2025-04-11 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Resolved-04/11/2025- Credit Supplement and Lox document received. - Due Diligence Vendor-04/11/2025 Ready for Review-Document Uploaded. - Seller-04/11/2025 Open-Require supporting proof for confirm the xx Installement#xx debt reflecting payment as $ 373.23 - Due Diligence Vendor-04/10/2025 |
Ready for Review-Document Uploaded. - Seller-04/11/2025 |
Resolved-Resolved-04/11/2025- Credit Supplement and Lox document received. - Due Diligence Vendor-04/11/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.95% 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 - 15.05 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 - 15.05 Years Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.66 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3827355 | |||
| xx | 557736 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 506187 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-03-07 04:52 | 2025-03-13 20:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-03/13/2025- Final CD reconceived for property "xx" we funded so used CD for P&I payment. - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. CD on xx as they were in middle of transaction when we funded so used CD for P&I payment. Please clear condition. - Seller-03/13/2025 Open-Mortgage statement missing for primary residence "xx" - Due Diligence Vendor-03/07/2025 |
Ready for Review-Document Uploaded. CD on xx as they were in middle of transaction when we funded so used CD for P&I payment. Please clear condition. - Seller-03/13/2025 |
Resolved-Resolved-03/13/2025- Final CD reconceived for property "xx" we funded so used CD for P&I payment. - 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 - 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 - 9.97 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.13 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 - 9.17 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% 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 xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3552453 | |||
| xx | 518932 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 576080 | D | A | A | A | D | A | A | A | Closed | FCOM8888 | 2025-04-21 09:09 | 2025-04-21 19:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Closing Detail Statement is Missing | Resolved-Resolved 4/21/2025: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/21/2025 Open-Final closing disclosure or settlement statement is missing. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/21/2025 |
Resolved-Resolved 4/21/2025: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/21/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.81% 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 796 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 0.05 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 - 18.80 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 - 30 Years |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | WA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3912905 | |||
| xx | 554825 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 511466 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 513865 | D | A | D | A | A | A | A | A | Closed | FCRE1503 | 2025-03-12 16:28 | 2025-03-18 03:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Document received for the new loan#xx - Due Diligence Vendor-03/18/2025 Ready for Review-Document Uploaded. Concurrent closing, please see attached - Seller-03/17/2025 Open-Mortgage Statement is Missing for the New Loan #xx Taken for Subject Property & In credit report also not reflected to Consider P&I Amount in Title Screen and UW Updated as per Final 1003 Monthly Payment and Unpaid Balance to calculate LTV & CLTV. - Due Diligence Vendor-03/12/2025 |
Ready for Review-Document Uploaded. Concurrent closing, please see attached - Seller-03/17/2025 |
Resolved-Document received for the new loan#xx - 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 - 26.22 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 0.01 Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.55 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 - 26.21 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.52% 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 - 21.83 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 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 xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3596140 | |||
| xx | 541258 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 587560 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 576697 | D | A | D | A | A | A | A | A | Closed | FCRE1814 | 2025-04-18 10:04 | 2025-04-21 19:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Missing | Resolved-Resolved-04/21/2025-Good standing document received. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/21/2025 Counter-Not Resolved-04/18/2025- According to guideline Certificate of good standing document is required, however the good standing document not received. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Entity Documents, Good standing & Formation document is missing for xx - Due Diligence Vendor-04/18/2025 |
Ready for Review-Document Uploaded. - Seller-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/18/2025 |
Resolved-Resolved-04/21/2025-Good standing document received. - Due Diligence Vendor-04/21/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 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 57.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3900369 | |||
| xx | 565780 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 585646 | C | A | C | A | A | A | A | A | Closed | FCRE1254 | 2025-04-21 11:35 | 2025-04-21 19:18 | Resolved | 1 - Information | C | A | Credit | Title | Property Title Issue | Resolved-Resolved-04/21/2025- Grant deed document received. - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. - Seller-04/21/2025 Open-Property Title Issue Borrower Name doesn't match the title vesting . Title vesting is on Non borrower Name but DOT is on LLC . Need Quit claim deed or warranty Deed . - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. - Seller-04/21/2025 |
Resolved-Resolved-04/21/2025- Grant deed document received. - Due Diligence Vendor-04/21/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.03 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 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3915032 | |||
| xx | 515682 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-15 15:21 | 2025-04-18 17:30 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/18/2025- HOI document received with mortgage clause. - Due Diligence Vendor-04/18/2025 Ready for Review-Document Uploaded. Hazard insurance with both 1st and 2nd attached. Please clear condition. - Seller-04/18/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/15/2025 |
Ready for Review-Document Uploaded. Hazard insurance with both 1st and 2nd attached. Please clear condition. - Seller-04/18/2025 |
Resolved-Resolved-04/18/2025- HOI document received with mortgage clause. - Due Diligence Vendor-04/18/2025 |
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 Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 3871309 | |||
| xx | 572453 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-24 14:07 | 2025-05-01 21:01 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/01/2025- First lien HOI document received. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. HOI with 1st and 2nd attached. Please clear condition - Seller-05/01/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as 2nd Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/24/2025 |
Ready for Review-Document Uploaded. HOI with 1st and 2nd attached. Please clear condition - Seller-05/01/2025 |
Resolved-Resolved-05/01/2025- First lien HOI document received. - Due Diligence Vendor-05/02/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 7.62 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 - 5.30 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 - 15 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.61% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.16 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3953892 | |||
| xx | 524001 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-04-01 15:05 | 2025-04-09 09:15 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 04/09/2025: Received Initial Closing Disclosure and exception is cleared. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open- Missing Initial Closing Disclosure - Due Diligence Vendor-04/01/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-Resolved 04/09/2025: Received Initial Closing Disclosure and exception is cleared. - Due Diligence Vendor-04/09/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 791 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 - 15.24 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 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 0.02 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 - 15.24 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3744896 | |||
| xx | 524001 | C | A | A | A | C | A | A | A | Closed | FCOM1797 | 2025-04-01 15:07 | 2025-04-09 09:14 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved 04/09/2025: Received Settlement Service Provider List and exception is cleared. - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/07/2025 Open-Service Provider List is Missing - Due Diligence Vendor-04/01/2025 |
Ready for Review-Document Uploaded. - Seller-04/07/2025 |
Resolved-Resolved 04/09/2025: Received Settlement Service Provider List and exception is cleared. - Due Diligence Vendor-04/09/2025 |
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 791 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 - 15.24 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.04 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 0.02 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 - 15.24 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3744922 | |||
| xx | 576430 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NH | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 529887 | D | A | D | A | D | A | A | A | Closed | FCRE1158 | 2025-04-01 07:41 | 2025-04-29 21:00 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/29/2025- First lien HOI document received. - Due Diligence Vendor-04/30/2025 Ready for Review-Document Uploaded. Insurance with 1st and 2nd attached. Insurance coverage shows changed and insurance premium so corrected 1008 and 1003 to show correct PITIA. Please clear condition. - Seller-04/29/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with xx which is not reflected. Both mortgagee clause needs to be evident on second Mortgage loan - Due Diligence Vendor-04/01/2025 |
Ready for Review-Document Uploaded. Insurance with 1st and 2nd attached. Insurance coverage shows changed and insurance premium so corrected 1008 and 1003 to show correct PITIA. Please clear condition. - Seller-04/29/2025 |
Resolved-Resolved-04/29/2025- First lien HOI document received. - 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 - 11.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3738909 | |||
| xx | 529887 | D | A | D | A | D | A | A | A | Closed | FCOM3957 | 2025-04-02 15:56 | 2025-04-03 18:52 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved- - Due Diligence Vendor-04/03/2025 Ready for Review-Resolved 04/03/2025 : Received Initial Loan Estimates and exception cleared. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-Loan application date is xx, within three business days Initial Loan Estimate is missing in loan file. - Due Diligence Vendor-04/02/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3755908 | ||||
| xx | 529887 | D | A | D | A | D | A | A | A | Closed | FCOM2630 | 2025-03-31 05:52 | 2025-04-03 18:52 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - State Disclosure | Attorney Preference Letter missing or unexecuted | Resolved-Resolved 04/03/2025: Received Right To Choose Attorney or Attorney Preference document and exception cleared. - Due Diligence Vendor-04/03/2025 Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Resolved-Resolved 04/03/2025: Received Right To Choose Attorney or Attorney Preference document and exception cleared. - Due Diligence Vendor-04/03/2025 Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable - Due Diligence Vendor-04/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727745 | |||
| xx | 529887 | D | A | D | A | D | A | A | A | Closed | FCOM1266 | 2025-03-31 05:52 | 2025-04-03 18:45 | Resolved | 1 - Information | C | A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Resolved 04/03/2025: Received Homeownership Counseling Disclosure and exception cleared. - Due Diligence Vendor-04/03/2025 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Resolved-Resolved 04/03/2025: Received Homeownership Counseling Disclosure and exception cleared. - Due Diligence Vendor-04/03/2025 Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-04/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727744 | |||
| xx | 529887 | D | A | D | A | D | A | A | A | Closed | FCOM1080 | 2025-03-31 05:54 | 2025-04-03 18:45 | Resolved | 1 - Information | C | A | Compliance | TRID | Service provider list not provided within 3 days of application | Resolved-Resolved 04/03/2025 : Received Settlement Service Provider List and exception cleared. - Due Diligence Vendor-04/03/2025 Ready for Review-Document Uploaded. - Seller-04/03/2025 Open-Application Date is xx, Service Provider List is not provided within 3 business days of application. - Due Diligence Vendor-03/31/2025 |
Ready for Review-Document Uploaded. - Seller-04/03/2025 |
Resolved-Resolved 04/03/2025 : Received Settlement Service Provider List and exception cleared. - Due Diligence Vendor-04/03/2025 |
Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 56.11 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 - 8.61 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 768 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 9.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NC | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3727760 | |||
| xx | 514657 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 508908 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-21 15:08 | 2025-04-24 20:21 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Proof of insurance with 1st and 2nd attached. Please clear condition. - Seller-04/23/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx Mortgage which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/21/2025 |
Ready for Review-Document Uploaded. Proof of insurance with 1st and 2nd attached. Please clear condition. - Seller-04/23/2025 |
Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 767 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 - 13.22 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 - 13.21 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | GA | Second Home | Refinance | Cash Out - Other | N/A | N/A | 3918423 | |||
| xx | 558539 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-16 18:45 | 2025-04-24 20:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. Proof of insurance w/1st and 2nd indicated is attached. Please clear condition. - Seller-04/23/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Hazard Insurance Policy Partially Provided. Missing required 1st lien mortgagee clause on hazard policy. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. Proof of insurance w/1st and 2nd indicated is attached. Please clear condition. - Seller-04/23/2025 |
Resolved-Resolved-04/24/2025- First lien HOI document received. - Due Diligence Vendor-04/25/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 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 - 9.68 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 - 9.68 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 3884766 | |||
| xx | 588755 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 561209 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2025-04-04 18:04 | 2025-04-09 08:50 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 04/09/2025: Received PCCD with funding date 04/02/2025 and exception is cleared. - Due Diligence Vendor-04/09/2025 Resolved- - Due Diligence Vendor-04/09/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 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 xx - 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-04/08/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Resolved 04/09/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-04/09/2025 Resolved- - Due Diligence Vendor-04/09/2025 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.87 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 - 25.83 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 - 26.08 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 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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 - 15.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% 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 xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3789821 | |||
| xx | 561209 | D | A | D | A | C | A | A | A | Closed | FCRE1503 | 2025-04-04 14:11 | 2025-04-08 19:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolve-04/08/2025- Note and First payment letter is received. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Mortgage Statement is not provided for Subject Property. As it is mentioned in 1008 UW as taken UPB & P&I Amount from Final 1003 to Calculate LTV/CLTV and DTI. - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Resolve-04/08/2025- Note and First payment letter is received. - Due Diligence Vendor-04/08/2025 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.87 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 - 25.83 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 - 26.08 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 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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 - 15.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% 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 xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3787191 | |||
| xx | 561209 | D | A | D | A | C | A | A | A | Closed | FCRE9814 | 2025-04-04 14:34 | 2025-04-08 19:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Resolve-04/08/2025-Trust document received. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Seller-04/08/2025 Open-Borrower Signed as Trustee, But Trust Document is not Provided to verify - Due Diligence Vendor-04/04/2025 |
Ready for Review-Document Uploaded. - Seller-04/08/2025 |
Resolved-Resolve-04/08/2025-Trust document received. - Due Diligence Vendor-04/08/2025 |
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.87 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 - 25.83 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 - 26.08 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 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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 - 15.08 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.92% 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 xx Is Below the Guideline Maximum Of 60% By Ten Percent (10%) or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3787517 | |||
| xx | 511487 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 556456 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 548978 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 561513 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 565140 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-04-23 10:03 | 2025-04-28 21:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-04/28/2025- First lien HOI document received. - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. Insurance with 1st and 2nd indicated - Seller-04/28/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-04/23/2025 |
Ready for Review-Document Uploaded. Insurance with 1st and 2nd indicated - Seller-04/28/2025 |
Resolved-Resolved-04/28/2025- First lien HOI document received. - Due Diligence Vendor-04/29/2025 |
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 - 8.02 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 - 10.30 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 - 10.30 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 0.13 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 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 - 5.75 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 64.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 3936969 | |||
| xx | 517991 | D | A | D | A | D | A | A | A | Closed | FCRE1255 | 2025-05-06 12:15 | 2025-05-08 12:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Missing | Resolved-Resolved-05/08/2026- HOI document received with premium for this property #xx. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Here is the HOI for this property, I'm not sure what Supplement you are requesting? - Seller-05/07/2025 Open-HOI supplement Insurance premium amount of $2,826 for the property "xx" is missing. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Here is the HOI for this property, I'm not sure what Supplement you are requesting? - Seller-05/07/2025 |
Resolved-Resolved-05/08/2026- HOI document received with premium for this property #xx. - Due Diligence Vendor-05/08/2025 |
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 - 13.13 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 - 13.13 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4057746 | |||
| xx | 517991 | D | A | D | A | D | A | A | A | Closed | FCRE1159 | 2025-05-06 16:18 | 2025-05-08 12:13 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Resolved-05/08/2026- PCCD received disbursement date is xx. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. - Seller-05/07/2025 Open-Hazard Insurance Effective Date of xx is after the Disbursement Date of xx . hazard Insurance date is after the disbursement date . - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Resolved-05/08/2026- PCCD received disbursement date is xx. - Due Diligence Vendor-05/08/2025 |
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 - 13.13 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 - 13.13 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4062116 | |||
| xx | 517991 | D | A | D | A | D | A | A | A | Closed | FCOM1512 | 2025-05-06 12:17 | 2025-05-08 11:50 | Resolved | 1 - Information | D | A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Unexecuted | Resolved-Resolved-05/08/2025- Final Settlement statement for this property#xx, we received. - Due Diligence Vendor-05/08/2025 Ready for Review-Document Uploaded. Final Settlement Stmt and escrow receipt confirming receipt of funds from sale of xx property received and attached so why would signed estimated settlement statement be needed? Please clear condition. - Seller-05/07/2025 Open-Please provide the signed Estimated Settlement Statement for file #xx. The copy currently in the file is unsigned. - Due Diligence Vendor-05/06/2025 |
Ready for Review-Document Uploaded. Final Settlement Stmt and escrow receipt confirming receipt of funds from sale of xx property received and attached so why would signed estimated settlement statement be needed? Please clear condition. - Seller-05/07/2025 |
Resolved-Resolved-05/08/2025- Final Settlement statement for this property#xx, we received. - Due Diligence Vendor-05/08/2025 |
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 - 13.13 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 - 13.13 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 Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.66 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 3.42% 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 44.43 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 xx 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 790 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Purchase | NA | N/A | N/A | 4057771 | |||
| xx | 587693 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 510982 | C | A | A | A | C | A | A | A | Closed | finding-47 | 2025-05-03 10:49 | 2025-05-08 14:55 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 05/08/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-05/08/2025 Resolved- - Due Diligence Vendor-05/08/2025 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. ***The Final CD shows a funding date of xx - 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-05/07/2025 |
Ready for Review-Document Uploaded. - Seller-05/07/2025 |
Resolved-Resolved 05/08/2025: Received PCCD with funding date xx and exception is cleared. - Due Diligence Vendor-05/08/2025 Resolved- - 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 - 12 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.62 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 0.16 Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.51% 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 777 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 xx 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 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | WA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4036405 | |||
| xx | 558040 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 572956 | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2025-06-05 13:51 | 2025-06-09 21:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved-06/09/2025. Lease agreement provided which is month to month. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. Per #20 of lease the lease turned mo to mo after expiration. Please clear condition - Seller-06/09/2025 Open-Lease agreement is expired for the property"xx" . Need the latest lease - Due Diligence Vendor-06/05/2025 |
Ready for Review-Document Uploaded. Per #20 of lease the lease turned mo to mo after expiration. Please clear condition - Seller-06/09/2025 |
Resolved-Resolved-06/09/2025. Lease agreement provided which is month to month. - Due Diligence Vendor-06/10/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 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 37.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |
xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | 4349207 | |||
| xx | 553606 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 562866 | D | A | D | A | C | A | A | A | Closed | FCRE1158 | 2025-05-14 16:26 | 2025-05-21 11:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/21/2025 Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/16/2025 Ready for Review-Document Uploaded. Insurance w/first included attached. Please clear condition - Seller-05/15/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-05/14/2025 |
Ready for Review-Document Uploaded. Insurance w/first included attached. Please clear condition - Seller-05/15/2025 |
Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/21/2025 Resolved-Resolved-05/15/2025- First lien HOI document received. - Due Diligence Vendor-05/16/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 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 0.11 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 - 24.74 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 - 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 - 13.74 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.18 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 xx 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 - 26 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4143549 | |||
| xx | 562866 | D | A | D | A | C | A | A | A | Closed | finding-47 | 2025-05-14 14:09 | 2025-05-20 17:37 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 5/20/2025 : Received PCCD with disbursement date xx and exception cleared. - Due Diligence Vendor-05/20/2025 Resolved- - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. - Seller-05/19/2025 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 xx - 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-05/14/2025 |
Ready for Review-Document Uploaded. - Seller-05/19/2025 |
Resolved-Resolved 5/20/2025 : Received PCCD with disbursement date xx and exception cleared. - Due Diligence Vendor-05/20/2025 Resolved- - Due Diligence Vendor-05/20/2025 |
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 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 0.11 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 - 24.74 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 - 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 - 13.74 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.18 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 xx 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 - 26 Years Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 2.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4141295 | |||
| xx | 575849 | D | A | D | A | A | A | A | A | Closed | FCRE3464 | 2025-05-06 09:14 | 2025-05-07 20:09 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Resolved – 05/07/2025: Based on the bank statement, CPA letter, and business narrative, the employer name is listed as xx However, the 1003 and VVOE documents reflect the employer name as xx—with the only discrepancy being the missing letter "i" in "xx." - Due Diligence Vendor-05/08/2025 Ready for Review-I'm confused by below all matches xx? - Seller-05/06/2025 Open-As per the Bank statement , CPA & Business narrative Proof employer name is xx , but 1003 & VVOE reflect employer name as xx employer name miss-matches in received Verbal verification of employment . Require updated VVOE reflecting the accurate employer name with in 10 days of closing. - Due Diligence Vendor-05/06/2025 |
Ready for Review-I'm confused by below all matches xx? - Seller-05/06/2025 |
Resolved-Resolved – 05/07/2025: Based on the bank statement, CPA letter, and business narrative, the employer name is listed as xx However, the 1003 and VVOE documents reflect the employer name as xx—with the only discrepancy being the missing letter "i" in "xx." - Due Diligence Vendor-05/08/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.27 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 20.64% 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 - 8.25 Years |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4054574 | ||||
| xx | 534130 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 544698 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 508009 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 527606 | C | A | C | A | A | A | A | A | Closed | FCRE5774 | 2025-05-28 07:19 | 2025-05-28 20:59 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Resolved- 05/28/2025-Credit report document received. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Seller-05/28/2025 Open-Borrower 1 Credit Report is Partially Present. Credit Comparison report is present, However credit report is missing. Hence required main credit report with borrower scores. - Due Diligence Vendor-05/28/2025 |
Ready for Review-Document Uploaded. - Seller-05/28/2025 |
Resolved-Resolved- 05/28/2025-Credit report document received. - Due Diligence Vendor-05/29/2025 |
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 Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 745 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 12.01% 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 Years Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx 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 12.3 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 - 7.16 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4253644 | |||
| xx | 589572 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 542970 | A | A | A | A | A | A | A | A | A | A | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 506349 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 500995 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | IL | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 548745 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-05-28 14:42 | 2025-05-30 16:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/30/2025- New HOI Documents received. - Due Diligence Vendor-05/30/2025 Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. In the Hazard Insurance Document , Borrower name is incorrectly mentioned . As per note , xx is the borrower but HOI doc mentioned as xx . Please provide the corrected document . - Due Diligence Vendor-05/28/2025 |
Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 |
Resolved-Resolved-05/30/2025- New HOI Documents received. - Due Diligence Vendor-05/30/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.98 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 xx 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 - 20 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4260220 | |||
| xx | 548745 | D | A | D | A | A | A | A | A | Closed | FCRE1156 | 2025-05-28 14:42 | 2025-05-30 16:33 | Resolved | 1 - Information | C | A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 Open-Named Insured does not match Borrower(s) Name(s) In the Hazard Insurance Document , Borrower name is incorrectly mentioned . As per note , xx is the borrower but HOI doc mentioned as xx . Please provide the corrected document . - Due Diligence Vendor-05/28/2025 |
Ready for Review-Document Uploaded. HOI correction attached. Please clear condition. - Seller-05/29/2025 |
Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.98 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 xx 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 - 20 Years |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4260219 | ||||
| xx | 595850 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | WA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | ||||||||||||||||||||
| xx | 558186 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-05-19 09:34 | 2025-05-20 18:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-05/20/2025- HOI document received for this property address"xx" along with 1st lien Mortgage clause details. - Due Diligence Vendor-05/20/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/20/2025 Ready for Review-Document Uploaded. Insurance attached. Please clear condition - Seller-05/20/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Received Hazard Insurance Policy reflect property address as xx instead of "xx" & 1st lien Mortgage clause details are missing . Need updated Hazard Insurance Policy reflecting subject property address & both 1st & 2nd lien Mortgage clause information. - Due Diligence Vendor-05/19/2025 |
Ready for Review-Document Uploaded. Insurance attached. Please clear condition - Seller-05/20/2025 |
Resolved-Resolved-05/20/2025- HOI document received for this property address"xx" along with 1st lien Mortgage clause details. - Due Diligence Vendor-05/20/2025 Resolved-Hazard Insurance Policy is fully present - 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 - 7.72 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 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.13 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 xx 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 41.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4176905 | |||
| xx | 536219 | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | ||||||||||||||||||||
| xx | 554670 | D | A | D | A | A | A | A | A | Closed | FCRE1158 | 2025-06-03 10:16 | 2025-06-09 21:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved-06/09/2025 HOI document received. - Due Diligence Vendor-06/10/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. EOI w/1st included attached. Please clear condition - Seller-06/06/2025 Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-06/03/2025 |
Ready for Review-Document Uploaded. EOI w/1st included attached. Please clear condition - Seller-06/06/2025 |
Resolved-Resolved-06/09/2025 HOI document received. - Due Diligence Vendor-06/10/2025 Resolved-Hazard Insurance Policy 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 xx 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 - 40.75 Years Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 813 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 - 12.5 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 - 40.75 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4311694 | |||
| xx | 515511 | C | A | A | A | C | A | A | A | Closed | FCOM4227 | 2025-05-29 23:06 | 2025-06-03 08:07 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. - Seller-06/02/2025 Open-*******Closing date is xx. 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-05/30/2025 |
Ready for Review-Document Uploaded. - Seller-06/02/2025 |
Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-06/03/2025 |
Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.97% 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 59.29 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 - 8.33 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 - 13.56 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 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 |
xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4277437 |