Vista Point Assets LLC ABS-15G
Exhibit 99.6 - Schedule 2
| Seller | Loan ID | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | 713686 | Closed | 2025-03-10 05:33 | 2025-03-14 18:14 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception made for loan amount greater than XXXX (XXXX) - Due Diligence Vendor-03/14/2025 Ready for Review-Document Uploaded. - Buyer-03/11/2025 Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-03/10/2025 |
Waived-Exception made for loan amount greater than XXXX (XXXX) - Due Diligence Vendor-03/14/2025 |
XXXX | Residual Income is $68,255.35. Minimum Residual Income required per guidelines is $1500. Borrower self-employed in same business for 20+ years |
CA | Primary Residence | Refinance | Cash Out - Other | 3565993 | Originator Post-Close | Yes | ||||
| XXXX | 713686 | Closed | 2025-03-10 06:30 | 2025-03-11 19:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.031%) equals or exceeds the California HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431, and copy of the appraisal was given to the borrower – see Pg#’s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.031%) equals or exceeds the California HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.93%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431, and copy of the appraisal was given to the borrower – see Pg#’s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3566154 | N/A | N/A | ||||||
| XXXX | 713686 | Closed | 2025-03-10 06:30 | 2025-03-11 19:37 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.031%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431, and copy of the appraisal was given to the borrower – see Pg#’s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 | Resolved-The loan's (11.031%) APR equals or exceeds the Federal HPML threshold of (10.43%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly.Loan is a closed end second lien and is not required to escrow . Rate lock date was entered correctly – see Pg#’s 175 An interior and exterior appraisal was completed for this property – see pg 56 , the appraisal disclosure was provided to the borrower(s)- see Pg#’s 431, and copy of the appraisal was given to the borrower – see Pg#’s 158for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-03/10/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3566152 | N/A | N/A | ||||||
| XXXX | 722838 | Closed | 2025-03-29 15:49 | 2025-04-02 19:34 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 12 Months | Resolved-Clarification received, borrower has been in the same line of work - Due Diligence Vendor-04/02/2025 Ready for Review-Borrower is not s/e and has been in the same line of work since XXXX -not an exception - Buyer-03/31/2025 Open-Borrower has been employed < 2 years at current position - Due Diligence Vendor-03/29/2025 |
Resolved-Clarification received, borrower has been in the same line of work - Due Diligence Vendor-04/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3725800 | N/A | N/A | ||||||
| XXXX | 722838 | Closed | 2025-03-26 07:49 | 2025-04-02 19:31 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Loan amount > $XXXX - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. - Buyer-03/31/2025 Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX Maximum Loan amount of $XXXX is exceeded. - Due Diligence Vendor-03/26/2025 |
Waived-Loan amount > $XXXX - Due Diligence Vendor-04/02/2025 |
XXXX | Residual Income is $10401.81. Minimum Residual Income required per guidelines is $3500. No Credit lates 0X30, 48 month mortgage |
CA | Primary Residence | Refinance | Cash Out - Other | 3695387 | Originator Post-Close | Yes | ||||
| XXXX | 722838 | Closed | 2025-03-26 05:42 | 2025-04-01 10:58 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Buyer-03/31/2025 Open-Title Coverage Amount of $XXXX is Less than Loan Amount Coverage amount not meet Loan amount need supporting doc for meeting Loan amount as per guidelines. - Due Diligence Vendor-03/26/2025 |
Resolved-Title Coverage Amount of $XXXX provided. Resolved - Due Diligence Vendor-04/01/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3695032 | N/A | N/A | |||||
| XXXX | 756221 | Closed | 2025-03-26 10:45 | 2025-04-02 20:20 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Document received - Due Diligence Vendor-04/02/2025 Ready for Review-Document Uploaded. - Buyer-03/31/2025 Open-Missing HO-6 Master Insurance Policy Property type is Condo but missing HO-6 master insurance Policy in file. - Due Diligence Vendor-03/26/2025 |
Resolved-Document received - Due Diligence Vendor-04/02/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3695937 | N/A | N/A | |||||
| XXXX | 756221 | Closed | 2025-03-26 10:11 | 2025-04-01 11:27 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Questionnaire not required per GL's as subject has 2 units. Resolved - Due Diligence Vendor-04/01/2025 Ready for Review-Document Uploaded. - Buyer-03/31/2025 Open-HOA Questionnaire is Missing or Partial. Property type is Condo but missing HOA Questionnaire doc in file 2 unit property. Please advise - Due Diligence Vendor-03/26/2025 |
Resolved-Questionnaire not required per GL's as subject has 2 units. Resolved - Due Diligence Vendor-04/01/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3695740 | N/A | N/A | |||||
| XXXX | 756221 | Closed | 2025-03-26 11:47 | 2025-03-26 11:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.578%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing 2nd, escrow disclosures and loan information is on Pg#’s 389 and the Final Closing disclosure on Pg#’s 172 reflects escrows. Rate lock date was entered correctly – see Pg#’s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 468 and copy of the appraisal was given to the borrower – see Pg#’s 468 for the copy of the disclosure. First lien escrowed page 444The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 | Resolved-The loan's (10.578%) APR equals or exceeds the Federal HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.85%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing 2nd, escrow disclosures and loan information is on Pg#’s 389 and the Final Closing disclosure on Pg#’s 172 reflects escrows. Rate lock date was entered correctly – see Pg#’s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 468 and copy of the appraisal was given to the borrower – see Pg#’s 468 for the copy of the disclosure. First lien escrowed page 444The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3696344 | N/A | N/A | ||||||
| XXXX | 756221 | Closed | 2025-03-26 11:47 | 2025-03-26 11:48 | Resolved | 1 - Information | A | A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.578%) equals or exceeds the California HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing 2nd, escrow disclosures and loan information is on Pg#’s 389 and the Final Closing disclosure on Pg#’s 172 reflects escrows. Rate lock date was entered correctly – see Pg#’s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 468 and copy of the appraisal was given to the borrower – see Pg#’s 468 for the copy of the disclosure. First lien escrowed page 444 The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.578%) equals or exceeds the California HPML threshold of (10.35%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.85%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is not Escrowing 2nd, escrow disclosures and loan information is on Pg#’s 389 and the Final Closing disclosure on Pg#’s 172 reflects escrows. Rate lock date was entered correctly – see Pg#’s 392, 171 An interior and exterior appraisal was completed for this property – see pg 38-49, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 468 and copy of the appraisal was given to the borrower – see Pg#’s 468 for the copy of the disclosure. First lien escrowed page 444 The loan meets HPML guidelines. - Due Diligence Vendor-04/02/2025 |
CA | Primary Residence | Refinance | Cash Out - Other | 3696345 | N/A | N/A | ||||||
| XXXX | 789009 | Closed | 2025-04-03 18:55 | 2025-05-16 20:14 | Resolved | 1 - Information | C | C | Credit | Credit | Deficient Income Documentation | Resolved-Condition has been resolved to align with the new investor guidelines this loan was underwritten to. - Due Diligence Vendor-05/16/2025 Waived-Use of bonus income, borrower has worked multiple jobs over the past 3 years. Page 157 - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Buyer-04/07/2025 Open-Use of bonus income, borrower has worked multiple jobs over the past 3 years. The final amount used is less than the guaranteed amount for 2025 divided by 12. We took the amount earned in 2025 and divided by a full 12 months. Refer email conversation in page #157. - Due Diligence Vendor-04/03/2025 |
Resolved-Condition has been resolved to align with the new investor guidelines this loan was underwritten to. - Due Diligence Vendor-05/16/2025 Waived-Use of bonus income, borrower has worked multiple jobs over the past 3 years. Page 157 - Due Diligence Vendor-04/08/2025 |
XXXX | Residual Income $16,812,45 CLTV 58.93% max 80% No late. No mortgage late 0 x 30, 55 months |
NC | Primary Residence | Refinance | Cash Out - Other | 3776959 | N/A | N/A | ||||
| XXXX | 789009 | Closed | 2025-04-03 18:47 | 2025-04-08 22:21 | Waived | 2 - Non-Material | C | C | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out is not completed according to the guideline requirements. Subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date. - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. Loan was UW to XXXX which their guidelines allow listed for sale past 6 months - Buyer-04/07/2025 Open-Cash Out is not completed according to the guideline requirements Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? is showing as Yes in Appraisal and this is Refinance cash out file. - Due Diligence Vendor-04/03/2025 |
Waived-Cash Out is not completed according to the guideline requirements. Subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date. - Due Diligence Vendor-04/08/2025 |
XXXX | Residual Income $16,812,45 CLTV 58.93% max 80% No late. No mortgage late 0 x 30, 55 months |
NC | Primary Residence | Refinance | Cash Out - Other | 3776839 | Originator Post-Close | Yes | ||||
| XXXX | 789009 | Closed | 2025-04-03 18:13 | 2025-04-08 22:20 | Waived | 2 - Non-Material | C | C | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/08/2025 Ready for Review-Document Uploaded. - Buyer-04/07/2025 Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX As per Matrix $XXXX is the maximum amount, however verified Loan amount is $XXXX. - Due Diligence Vendor-04/03/2025 |
Waived-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/08/2025 |
XXXX | Residual Income $16,812,45 CLTV 58.93% max 80% No late. No mortgage late 0 x 30, 55 months |
NC | Primary Residence | Refinance | Cash Out - Other | 3776292 | Originator Post-Close | Yes | ||||
| XXXX | 722092 | Closed | 2025-04-12 17:44 | 2025-05-22 16:44 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. guidelines allow for loan amount - Buyer-04/16/2025 Open-Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/12/2025 |
Resolved-Audited Loan Amount of $XXXX is less than or equal to the Guideline Maximum Loan Amount of $XXXX - Due Diligence Vendor-04/21/2025 |
XXXX | Audited Loan Amount of $XXXX is greater than the Guideline Maximum Loan Amount of $XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3849140 | N/A | N/A | ||||
| XXXX | 722092 | Closed | 2025-04-29 20:25 | 2025-05-14 14:56 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received clarification and finding has been resolved. - Due Diligence Vendor-05/14/2025 Counter-Condition escalated for review by compliance. - Due Diligence Vendor-05/07/2025 Ready for Review-Required due to vesting in trust with both names - Seller-05/02/2025 Counter-Please provide clarification on why did the second person signed the note if they are not applicant. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-The Final 1003 is Missing 1. Final 1003 signed by borrower shows they are qualifying for individual credit 2. Missing final 1003 signed by co-borrower - Due Diligence Vendor-04/29/2025 |
Ready for Review-Required due to vesting in trust with both names - Seller-05/02/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-Received clarification and finding has been resolved. - Due Diligence Vendor-05/14/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3997967 | N/A | N/A | ||||
| XXXX | 722092 | Closed | 2025-04-29 20:28 | 2025-05-02 18:06 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-Missing credit report/FICO score for co-borrower - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-05/02/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3997995 | N/A | N/A | ||||
| XXXX | 722092 | Closed | 2025-04-16 02:57 | 2025-04-29 20:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Missing | Resolved-Finding resolved, joint disclosure provided - Due Diligence Vendor-04/29/2025 Ready for Review-Document Uploaded. - Seller-04/28/2025 Ready for Review-Document Uploaded. COC was in error- we have joint disclosures- spouse had to be included due to 2nd trustee - Seller-04/25/2025 Counter-There is a change of circumstance removing co borrower but two borrowers signed the note and we are missing co borrower documentation, please provide documentation for second borrower. - Due Diligence Vendor-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Counter-Received DOT with vesting including spouse, Note showing 2 borrowers on the loan, missing 1003 and credit report for 2nd borrower - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Counter-Missing updated Note showing 1 borrower - Due Diligence Vendor-04/21/2025 Ready for Review-Document Uploaded. Due to vesting co-trustees - Seller-04/17/2025 Open-The Note is Missing Note having 2 borrowers and the change of circumstance Pgno 106 saying removing spouse from loan. - Due Diligence Vendor-04/16/2025 |
Ready for Review-Document Uploaded. - Seller-04/28/2025 Ready for Review-Document Uploaded. COC was in error- we have joint disclosures- spouse had to be included due to 2nd trustee - Seller-04/25/2025 Ready for Review-Document Uploaded. - Seller-04/24/2025 Ready for Review-Document Uploaded. - Seller-04/22/2025 Ready for Review-Document Uploaded. Due to vesting co-trustees - Seller-04/17/2025 |
Resolved-Finding resolved, joint disclosure provided - Due Diligence Vendor-04/29/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3874793 | N/A | N/A | ||||
| XXXX | 722092 | Closed | 2025-04-12 18:18 | 2025-04-17 09:22 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. - Seller-04/16/2025 Ready for Review-obtaining documents - Seller-04/16/2025 Ready for Review-Document Uploaded. - Buyer-04/16/2025 Open-Title Coverage Amount of $0 is Less than Loan Amount Title Coverage Amount is missing in file - Due Diligence Vendor-04/12/2025 |
Ready for Review-Document Uploaded. - Seller-04/16/2025 Ready for Review-obtaining documents - Seller-04/16/2025 |
Resolved-Required Document Provided, Changes Made in System, Finding Resolved - Due Diligence Vendor-04/17/2025 Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-04/17/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3849214 | N/A | N/A | ||||
| XXXX | 722092 | Closed | 2025-04-12 16:32 | 2025-04-17 09:21 | Resolved | 1 - Information | C | A | Credit | Credit | Missing AUS/Loan Approval | Resolved- - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. - Seller-04/16/2025 Open-Qualifying FICO on the Approval Page is '750', but the Qualifying FICO from the Credit Liabilities Page is '790' is incorrect, Required updated Approval document with correct fico score. - Due Diligence Vendor-04/12/2025 |
Resolved-Updated Loan Approval provided, Finding Resolved - Due Diligence Vendor-04/17/2025 Ready for Review-Document Uploaded. - Seller-04/16/2025 |
XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 3848946 | N/A | N/A |