Vista Point Assets LLC ABS-15G
Exhibit 99.5 - Schedule 1
| Loan ID | Customer Loan ID | Seller Loan ID | Note Date | Original Loan Amount | Last Name | Property State | Occupancy | Purpose | Originator QM Status | TPR QM Status | Exception ID | Exception Number | Exception Date | Exception Type | Exception Subcategory | Exception | Exception Remedy | Rebuttal | TPR Response | Compensating Factors | Status Update Date | Finding Status | Initial Exception Grade | Final Exception Grade | Initial Loan Grade | Final Loan Grade |
| 637797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3853333 | 1 of 3 | 2025-04-14 12:30 | Compliance | Missing Doc - ROR/Missing | Right of Rescission is missing. The right to cancel was not present in the loan documents. |
Document Uploaded. - 04/16/2025 |
Right of Rescission is provided. - 04/18/2025 ROR received. - 04/18/2025 |
2025-04-18 21:11 | Resolved | 4 | 1 | 4 | 1 | ||||
| 637797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3858839 | 2 of 3 | 2025-04-14 18:55 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. |
2025-04-14 18:55 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 637797 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3858840 | 3 of 3 | 2025-04-14 18:55 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |
2025-04-14 18:55 | Cleared | 1 | 1 | 4 | 1 | ||||||
| 615096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3928166 | 1 of 3 | 2025-04-22 17:23 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Per the guidelines the underwriting approval and income calculation worksheet are required as part of the credit package. |
Document Uploaded. - 04/23/2025 |
Documentation provided is sufficient. - 04/24/2025 |
2025-04-24 14:40 | Resolved | 3 | 1 | 3 | 2 | ||||
| 615096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3928196 | 2 of 3 | 2025-04-22 17:26 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. |
2025-04-22 17:26 | Cleared | 1 | 1 | 3 | 2 | ||||||
| 615096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 3930217 | 3 of 3 | 2025-04-22 19:24 | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The appraisal fee increased from $600 to $700. The associated CIC did not provide a valid reason for the increased fee. |
Document Uploaded. - 04/25/2025 Document Uploaded. - 04/23/2025 |
Received curative PCCD, LOE, copy of refund check and proof of mailing - 04/30/2025 The CIC states "Appraisal fee increased to $700 from $600" A reason for the increase was not provided. Finding upheld - 04/24/2025 |
2025-04-30 20:24 | Cured | 3 | 2 | 3 | 2 | ||||
| 676752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4194769 | 1 of 4 | 2025-05-20 18:09 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. |
2025-05-20 18:09 | Cleared | 1 | 1 | 3 | 1 | ||||||
| 676752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218148 | 2 of 4 | 2025-05-22 18:23 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Per guidelines, all high level alerts must be addressed by the seller. Documentation or a certification could not be found in the loan file to address the alerts. |
Document Uploaded. - 05/23/2025 |
documentation meet guideline requirements - 05/23/2025 |
2025-05-23 21:15 | Resolved | 3 | 1 | 3 | 1 | ||||
| 676752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218236 | 3 of 4 | 2025-05-22 18:28 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Validation if the properties located at XXXXXX or XXXXXX were located in an area that has an HOA could not be found in the loan documents. |
Document Uploaded. XXXXXX and XXXXXX properties are SFRs only and not PUDs. Attached are the property profiles reflecting both as SFRs. - 05/23/2025 |
documentation meet guideline requirements - 05/23/2025 |
2025-05-23 21:16 | Resolved | 3 | 1 | 3 | 1 | ||||
| 676752 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | 4218254 | 4 of 4 | 2025-05-22 18:28 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. |
2025-05-22 18:28 | Cleared | 1 | 1 | 3 | 1 |