Exception Detail

Run Date - 07/11/2025 9:45:51 AM

Evolve Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Exception Remediation Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Final Loan Grade Compliance Initial Loan Grade Compliance Final Loan Grade Property Initial Loan Grade Property Final Loan Grade Originator QM ATR Status TPR QM ATR Status Is Curable
1625418 XXXXXXXXX XXXXXXX 7111910 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is
required.		   CDA missing from file CDA provided value XXXXXXXXXXX     10/15/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1625418 XXXXXXXXX XXXXXXX 7111911 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval missing program and doc type. XXXXXX
assets XXXXXXXXXXXXX per XXXX printout dated XXXXX
through XXXXXXXXXXXX page XXXX of bulk file		 Updated loan approval reflecting program/doc
type provided.		     10/15/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1625418 XXXXXXXXX XXXXXXX 7113872 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Missing personal guaranty Information provided   Reviewer 10/18/2024 03:05 PM; Guaranty must be signed by the guarantor  and notarized.

 10/28/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113422 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing XX months complete XXXX statements all pages for borrowers acc# ending XXXX and XXXXXX ending XXXXXX XXXXX XX month limited statements in the file. received XX month XXXX statements for both accounts     10/30/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113424 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Upon receipt of exception and or approval from XXXXX regarding gift funds received from donors that are cousins to the borrower, receipt of all gift funds must be documented according to XXXXX guideline according to XXXXXXXX XXXXX XXXXXXXX of XXXXX XXXXXX page XXXX received matching checks and gift letters   Reviewer 10/30/2024 05:51 PM; Documents received did not include receipt of gift funds with donor''''s documentation

 Reviewer 11/26/2024 02:08 PM; Checks received to verify the donor''''s did not include the donor''''s names nor do the signatures match those on the checks and the gift letters.

 12/03/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113427 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing the borrower''''s credit report, must meet XXXXX  requirement in XXXXXXXX XX of the guidelines. received credit report     10/30/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113429 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental     received XXX     10/30/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113430 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing final closing disclosure. XXXX loan file has a disclosure for an interest only loan. XXXX XXXXX indicated the loan closed as a XXX year fixed rate. Corrected XXXXX provided.     10/30/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113446 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing borrowers unexpired XXXXXX received XXXXX expiration dated XXXXXXXXXX     10/14/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113447 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Note XXXXX was locked as a XXX year fixed XXXX XXXX program and XXXXX indicated loan was closed as a XXX year fixed. XXXXX corrected rate lock. Corrected XXXXX provided.   Client 10/18/2024 07:07 PM; updated note is uploaded reflected XXXXX term XX yr i/o

 Reviewer 10/20/2024 05:13 PM;

10/20/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113472 861 XXXXXXXXXX Credit Note   Note - Other:   Loan closed on incorrect note form.  X Information provided     10/18/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1627937 XXXXXXXXX XXXXXXXXXX 7120400 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided     11/29/2024     A 1 XXXXXXXXXX NY 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628031 XXXXXXXXX XXXXXXXXX 7119373 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   XXXX statement loan expiration date of XXX days has not been met.  XXXXXXXXXX and last XXXX statement was dated XXXXXXXX which exceeds XXX days from note date.  XXXXXXXXXX or updated XXXX statement and worksheet required. Zero income for XXXXXXXX resulting in income of XXXXXXXXXXXXX XXXXX results in a XXXX of XXXXXXXXXX XXXXXXX calculation provided.   Client 11/15/2024 11:24 AM; used XX income for XXXXXXXX resulting in income of XXXXXXXXXXXXX  XXXXX results in a dti of XXXXXXXXXX  XXXXXXX see updated income calc uploaded. XXXXXX you!

 Reviewer 11/15/2024 12:25 PM;

11/15/2024     A 1 XXXXXXXXXX ID 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1628031 XXXXXXXXX XXXXXXXXX 7119375 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU XXXXXX above XXXXXX satisfactory second evaluation required Acceptable XXXX provided.     11/15/2024     A 1 XXXXXXXXXX ID 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1628031 XXXXXXXXX XXXXXXXXX 7121678 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     12/10/2024     A 1 XXXXXXXXXX ID 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1628031 XXXXXXXXX XXXXXXXXX 7121680 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   Need the XXXXX issued within XX days of XXXXXX application date. Information provided     12/10/2024     A 1 XXXXXXXXXX ID 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1628227 XXXXXXXXX XXXXXXX 7121299 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan decision letter item XXXXX not found XXXXXX detectors installed The appraisal on page XX about XXXX of the way down in the appliances section - it lists XXXXXXXXX detectors. XXXX XXXX condition on the approval has been cleared.   Reviewer 12/03/2024 05:26 PM; Provide comments from appraiser specifically regarding the smoke detectors and provide photos per the approval

 Client 12/05/2024 07:13 PM; Please see the appraisal on page XX about XXXX of the way down in the appliances section - it lists XXXXXXXXX detectors.  XX have cleared the XXXX condition on the approval.

 Reviewer 12/06/2024 06:47 AM;

12/06/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628227 XXXXXXXXX XXXXXXX 7121190 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the XXXXXXXXX XXXXXXXXXXX Information provided     12/17/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628227 XXXXXXXXX XXXXXXX 7121191 861 XXXXXXXXXX Credit Note   Note - Other:   The XXXXXXXXXXX XXXXXXXX addendum to the note is missing from images. Information provided     12/03/2024     A 1 XXXXXXXXXX NJ 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628246 XXXXXXXXX XXXXXXXXXX 7122059 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     information provided     12/17/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7122060 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Loan is failing XXX tolerance for the addition of XXXXXXXXX XXXXXX in XXXX XX of the XXXXXXXX XXXXX  XXXXXXXXXX amount is XXXXXXXXX  XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. PCCD provided       07/08/2025   B 2 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7119992 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verification XXXXX XXXXX recorded lien XXXXXXXXXXXX removed from title. Per email from title, insuring over as in was from XXXXXXX    Reviewer 12/02/2024 01:28 PM; Per revised XXXX XXXXXX XXXXXX requirements XXXXX and XXXXX have not been documented.

12/11/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7119993 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verification tax lien (item XXXXXXX reflected on title XXXXXXXXXXXXX paid and released. Payoff from XXXX and lien paid at close and reflected on XXXX   Reviewer 12/02/2024 01:28 PM; Per revised XXXX XXXXXX XXXXXX requirements XXXXX and XXXXX have not been documented.

12/11/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7119994 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   FNMA XXX XXXXXX missing from file. XXX XXX score is > XXXXXX XXXX required. FMNA XXXXXXXXX XXX XXXXX score XXXXXX   Client 12/02/2024 01:04 PM; uploaded on XXXXX

 Reviewer 12/02/2024 01:35 PM; Condition has been reviewed. XXX

 12/02/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7119995 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Required if XXX score is > XXXX FMNA XXXXXXXXX XXX XXXXX score XXXXXX     12/02/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628246 XXXXXXXXX XXXXXXXXXX 7119996 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Fully executed initial XXXXX missing from file. Initial XXXXX dated XXXXXXXXXXXX      12/02/2024     A 1 XXXXXXXXXX GA 1 13 C   B   C   A   C   B   C   A     Non-QM 1
1628395 XXXXX XXXXX 7120181 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Lock provided   Client 11/26/2024 03:53 PM; This was already uploaded - you have the same condition listed under compliance and credit - cleared under credit


 Reviewer 11/27/2024 12:08 PM;

 Reviewer 11/27/2024 12:36 PM; This has been cleared.

XXXXXX

 11/27/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1628395 XXXXX XXXXX 7120365 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. received XXXXX lock confirmation. XXXXX will assess the lock for accuracy prior to finalizing the loan purchase.     11/26/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1628395 XXXXX XXXXX 7120369 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   satisfactory evidence of at least XX months rent loss insurance received XXXX with XX mo rent loss     12/03/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1628395 XXXXX XXXXX 7120370 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final loan approval with XXXXX calculation Approval and XXXXX calculation provided.   Reviewer 11/26/2024 09:35 PM; Documents provided did not include the final loan approval

 11/27/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1628395 XXXXX XXXXX 7120372 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU XXXXXX over XXXXXX satisfactory second evaluation required received desk review     11/26/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1628508 XXXXXXXXX XXXXXXXXXX 7122341 434 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Shorts Funds for Reserves   Borrower short XX months reserves. XXXXXXXXX required XXXXXXXXXXXXXX XXXXXX assets XXXXXXXXXXXX - cash to close XXXXXXXXXXXX = XXXXXXXXXXXX XXXXXXXX months). XXXXXXXXX is short XXXXXXXXXXXX PNC XXXXXXXXXXXXX   XXXX XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXX (reserves required XXXXXXXXXXXXXXXX     12/16/2024     A 1 XXXXXXXXXX AL 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1628508 XXXXXXXXX XXXXXXXXXX 7120397 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide verification of XXXXXXX XXXXXXXX per XXXXXXX XXXXXXXXXXXXXX in file reflects XXXXX XXXXXXXXX XXXXX Borrower is a XXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXX from seller requested.   Client 11/25/2024 02:22 PM; Borrower is a XXXXX XXXX not XXX XXXXXXXX - XX requested corrected XXXXX from seller reflecting XXXXX XXXXXX  XXXXXX you :)

 Reviewer 11/25/2024 03:16 PM;

11/25/2024     A 1 XXXXXXXXXX AL 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1628508 XXXXXXXXX XXXXXXXXXX 7120398 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Updated XXXXXXXXX reflecting max cash to close XXXXXXXXXXXXX XXXXXXXXX reserves XXXXXXXXXXXXXX XXXXXX assets XXXXXXXXXXXXX XXXX XXXXXXX XXXXXXXXXXXX  XXXXXXXXXXXX XXXX XXXXXXX XXXXXX owner) XXXXXXXXXXX XXXXXXXXXXXXX XXXXXX XXXXXXX closed account - assets not included. Revised XXXX provided   Client 11/25/2024 02:58 PM; updated approval uploaded thank you :)

 Reviewer 11/25/2024 03:16 PM;

11/25/2024     A 1 XXXXXXXXXX AL 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1628602 XXXXXXXXX XXXXXXXXXX 7121970 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided     12/16/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1628794 XXXXXXXXX XXXXXXXXXX 7121157 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score missing- satisfactory second evaluation required CDA provided      12/18/2024     A 1 XXXXXXXXXX CT 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1628796 XXXXXXXXX XXXXXXXXX 7121179 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Max XXXX XXXX for XXXXXXXXXX that do not meet the minimum tradeline requirements of XX tradeline rated for XXX months or XX tradelines rated for XXX months. XXXXXXXXX has XX tradeline with XXX months rated and a XXXXXX XXXXXXXXXXX allow for XXXXXXXXX to fall under the XXXX XXXXXXXXX XXXXXXXXX credit XXXXXX program which limits the max XXXX to XXXXXX XXXXXX is an exception request in the file that reflects an exception for XXXX with a max of XXXXXX XXXXXXXXXX XXXXXXXXX is not in file, just the request for the wrong terms. XXXXX is currently approved for XXXX XXXXX   Exception approved; borrower has XX trades of XXX  
months but only one is reporting under accurate taxpayer
XXXXX XXXXXXX XXXXXXXXX is requiring XXXXXXXXX housing
history to establish an additional trade of XXX  and
waiving the third tradeline. XXXXXXXXXXXXX XXXXXXXXX low
XXXXX none-years self-employment, large reserves of over
XXXXXXXXXXX in personal savings 		 Client 12/02/2024 01:25 PM; Insufficient trade depth: XXXXXXXXX has XX trades of XXX  months but only one is reporting under accurate taxpayer XXXXX  XXXXXXX XXXXXXXXX is requiring XXX month housing history to establish an additional trade of XXX  and waiving the third tradeline.  XXXX factor is low XXXXX XX years' self-employment, and large reserves of over XXXXXX in personal savings

 Reviewer 12/02/2024 01:41 PM; Condition has been reviewed. XXX

     12/02/2024 B 2 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1628796 XXXXXXXXX XXXXXXXXX 7121180 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Updated loan approval reflecting correct program required. XXXX XXXX in file reflects XXXXX XXX yr XXXXXX XXXXXX the lock confirmation reflects XXXX XXXXXXXX Revised XXXX provided.     12/02/2024     A 1 XXXXXXXXXX CO 1 1 C   B   C   B   A   A   A   A     Non-QM 1
1628821 XXXXXXXXX XXXXXXXXX 7121182 418 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Client Condo Warranty Requirements   Final XXXXX signed/dated with lenders condo warranty HOA XXXXXXXXXXXXXX provided.    Client 12/03/2024 10:10 AM; document uploaded

 Reviewer 12/03/2024 10:31 AM;

 Reviewer 12/03/2024 10:33 AM;

12/03/2024     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1628821 XXXXXXXXX XXXXXXXXX 7121185 327 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Rental   Satisfactory XXXX for departing residence evidencing XXXXXXX Page XX of XX of credit report XX XXXXXXXX XXX mortgage rated from XXXXXXXXXX for XXX months paid as agreed and is paid in full XXXXXXXXXXX XXXXXXXXX lease began XXXXXXXXX and in file.   Client 12/03/2024 09:48 AM; Good morning – please look at page XX of XX of credit report XX XXXXXXXX XXX mortgage rated from XXXXXXXXXX for XXX months paid as agreed and is paid in full XXXXXXXXXXX  XXXXXXXXX lease began XXXXXXXXX and in file. XXXXXX you :)

 Reviewer 12/03/2024 10:09 AM; Condition has been reviewed. XXXXXX you

 12/03/2024     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Safe Harbor QM (APOR) 1
1628876 XXXXXXXXXX XXXXXXXXXX 7121485 328 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth Mortgage   Satisfactory mortgage history on primary home with XXXXXXXXXXX not reporting on credit, confirming XXXXXXX received XXX months statements no late charges.     12/10/2024     A 1 XXXXXXXXXX TX 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628881 XXXXXXXXX XXXXXXXXX 7121279 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CI score missing- satisfactory second evaluation required. FNMA XXXXXXXXX XXX risk score XXX     12/01/2024     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1628881 XXXXXXXXX XXXXXXXXX 7121280 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Borrower with one credit score requires XXXX XXXXX and XXX month housing history, on a full doc loan- XXXXXXXXXX primary is free and clear, XXX month XXXX statement loan, and XXXX is XXXXXXXXXXXXXXXXXXX required   Exception XXXXXXXXX for  XXX XXXXXX XXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX is in construction trade and appears poised to reposition the property, appraised for sale  XXXXXXXXXXXXX over purchase XXXXX, primary residence larger and more valuable, has sufficient trade depth and no negatives, actual mid-score is XXXX priced using XXXX score.        12/02/2024 B 2 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1628881 XXXXXXXXX XXXXXXXXX 7121281 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   updated XXXX statement worksheet from XXXXXXXXXXXX supporting XXXX income XXXXXXXXXXX XXXXXX ownership and XXXX XX XXXX statement income work sheet provided.     12/02/2024     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1628881 XXXXXXXXX XXXXXXXXX 7121282 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Supply satisfactory evidence of XXXX license CPA verified with XXXX XXXXXXXXX XXXXXXXXXX of XXXXXXXXXXX XXXX XXXXXXX XXXXXXXXXX      12/02/2024     A 1 XXXXXXXXXX NJ 3 1 C   B   C   B   N/A N/A C   A     Exempt 1
1629037 XXXXXXXXX XXXXXXXXXX 7121514 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   no XXX score located, satisfactory second evaluation required Acceptable XXXX provided.     12/03/2024     A 1 XXXXXXXXXX CT 1 1 C   A   A   A   A   A   C   A     Non-QM 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121748 6 XXXXXXXXXX Credit Application   Application - Completed, signed, final application for all applicant not in file   Need final application in the name of the XXXXXXX signed by all guarantors. Information provided   Reviewer 12/16/2024 08:47 AM; NO documentation provided

 12/18/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121749 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX information provided     12/10/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121750 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the lender''''s approval. information provided     12/10/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121917 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval missing from file. received XXXXX XXXXXXXX     12/09/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629228 XXXXXXXXX XXXXXXXXXX 7121839 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   FNMA XXX score missing from file. XXX XXX score > XXXXXX XXXX required. Received score XXXX     12/08/2024     A 1 XXXXXXXXXX FL 1 13 C   A   A   A   A   A   C   A     Non-QM 1
1629229 XXXXXXXXX XXXXXXXXX 7122541 961 XXXXXXXXXX Valuation Appraisal   Appraisal - FEMA Disaster Re-certification Required   Please provide the XXXXXXXXX XXXXXXXXXXXXXXXXX for review. Information provided     12/17/2024     A 1 XXXXXXXXXX SC 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629229 XXXXXXXXX XXXXXXXXX 7121805 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Fully executed initial XXXXXX missing from file. For this file, XXXXX lending is accepting the signed XXXXXXXXXX in the closing package per XXXXXX   Client 12/09/2024 09:24 AM; For this file, XXXXX lending is accepting the signed XXXXXXXX in the closing package per XXXXXX

 Reviewer 12/09/2024 09:41 AM;

12/09/2024     A 1 XXXXXXXXXX SC 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629229 XXXXXXXXX XXXXXXXXX 7121809 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CDA missing from file. Acceptable XXXX provided.   Client 12/09/2024 09:16 AM; Desk review has been uploaded.

 Reviewer 12/09/2024 09:41 AM;

12/09/2024     A 1 XXXXXXXXXX SC 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629276 XXXXXXXXX XXXXXXXXXX 7121926 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score missing- satisfactory second evaluation required Acceptable XXXX provided.     12/10/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629276 XXXXXXXXX XXXXXXXXXX 7121927 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   unexpired current lease not less XXXXXXX monthly required Lease extension document uploaded.   Client 12/10/2024 08:55 AM; Please see lease extension document uploaded on XXXXXXXXX  XXXXXXXXXX  

 Reviewer 12/10/2024 10:11 AM;

12/10/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629292 XXXXXXXXX XXXXXXX 7121943 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU XXXXXX XXXXXX satisfactory second evaluation required. Field review provided, lessor value than appraisal, still within XXXX tolerances     12/24/2024     A 1 XXXXXXXXXX VA 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1629330 XXXXXXXXXX XXXXXXXXXX 7122324 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Final loan approval was not provided. Approval provided.     12/12/2024     A 1 XXXXXXXXXX OR 1 13 D   A   D   A   A   A   A   A     Non-QM 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122332 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Final loan approval was not provided. Transmittal XXXXXXXX XXXXXXXXX provided     12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122407 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   LLC XXXXXXXXXX docs for XXXXXXXXXXXX XXXX XXXX missing from file Documents provided: XXXXXX of XXX certification, XXXXXXXXXXXX reflects business active, XXXX XXXXXXXXXXX of XXXXXXXXXXXX XXXX XXXXX XXXXXXXXXX XXXXXXXXXX reflects XX members own XXXX each who signed the XXXXX       12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122408 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   EIN XXXXXXX from XXXX verifying XXXX number for XXXXXXXXXXXX XXXX XXXX missing from file IRS XXXX letter provided.     12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122409 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verification of XXXX XXXXX XXXXXXXXX for XXXXXXXXXXXX XXXX XXXX missing from file State of XXX certification states company has paid all fees due through XXXXXXXXXXXX XXXXXXXXXXXX reflects business active,     12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122155 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided     12/13/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629332 XXXXXXXXXX XXXXXXXXXX 7122156 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX Information provided     12/13/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122170 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX Information provided     12/13/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122368 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing required documentation when borrowers are closing as an entity (borrowers are closing as an XXXXXX  XXXXXXX confirm that the XXXXXXXXXX entity is a domestic entity formed in the XXXXX XXXXX XXXXXXXX does not accept XXXXXXX entities. FL XXXX XXXX letter provided      12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122369 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Certificate of XXXXXXXXXX for XXXXXXXX XXXXXXX XXXXXXX XXXXXX  XXXX a multi-member XXXXX the XXXXXXXXXX XXXXXXXXXX should specify name and ownership interest of each member. FL XXXXXXXXXX XXXXXXXXXX shows both borrowers as members that match the signed XXXXX provided      12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122370 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing loan approval from original file. XXXXXX XXXXXXXX of approval may result in additional deficiencies. Transmittal XXXXXXXXX provided     12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122371 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing XXXX XXXX registration XXXX / XXXX for XXXXXXXX XXXXXXX XXXXXXXX XXXXX FL XXXX XXXX letter provided      12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629333 XXXXXXXXXX XXXXXXXXXX 7122385 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Final loan approval was not provided. Transmittal XXXXXXXXX provided     12/12/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629339 XXXXXXXXX XXXXXXX 7122157 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory evidence from third party confirming XXXXX ownership in business XXXXX provided was a borrower originated document) K-X states XXXXX allocation percentage.    Client 12/10/2024 03:45 PM; KX provided is not borrower generated, it is from borrower''s actual XXXXX tax returns, can not put the entire return in the file as it is an alt doc deal using XXXX statements to qualify - these XXXXX returns are filed with XXXX - please review XXX - thank you for reviewing :)

 Reviewer 12/10/2024 05:12 PM;

12/10/2024     A 1 XXXXXXXXXX TX 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629339 XXXXXXXXX XXXXXXX 7122158 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory updated XXXX statement worksheet from XXXXXXXXXXXX at XXXXX ownership and XXXX XXX supporting XXXXXXXXXXXXX monthly Income work sheet provided    Client 12/10/2024 03:45 PM; updated income sheet at XXXXXXXXXX uploaded to file - thank you for reviewing :)

 Reviewer 12/10/2024 05:12 PM;

12/10/2024     A 1 XXXXXXXXXX TX 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629339 XXXXXXXXX XXXXXXX 7122159 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score missing- satisfactory second evaluation required FNMA XXXXX XXX risk score is XXXX    Client 12/10/2024 03:37 PM; ucdp uploaded to file - thank you for reviewing :)

 Reviewer 12/10/2024 05:12 PM;

12/10/2024     A 1 XXXXXXXXXX TX 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629357 XXXXXXXXX XXXXXXXXX 7122172 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Credit score XXXX requires XXXX XXXXX exception needed for XXXX XXX   Exception approved for an XXXX XXXXXX XXXXXXXXXXXXX factors: current rental amount XXXXXXXXXXX or more, XXXX less than XXXXX no lates in XXXXXXXXXXXXXX rent history, min six months reserves.    Client 12/10/2024 03:12 PM; exception email from XXXXXX was uploaded - please see this email 
XXXXXXXXX_exception to XXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX  - thank you for reviewing :)

 Reviewer 12/10/2024 05:11 PM;

    12/10/2024 B 2 XXXXXXXXXX IL 1 1 D   B   C   B   D   A   A   A     Non-QM 1
1629357 XXXXXXXXX XXXXXXXXX 7123616 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   SSPL is missing information provided     12/30/2024     A 1 XXXXXXXXXX IL 1 1 D   B   C   B   D   A   A   A     Non-QM 1
1629357 XXXXXXXXX XXXXXXXXX 7123617 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     information provided     12/30/2024     A 1 XXXXXXXXXX IL 1 1 D   B   C   B   D   A   A   A     Non-QM 1
1629357 XXXXXXXXX XXXXXXXXX 7123650 108 XXXXXXXXXX Compliance Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing.   Please provide the deed for review. information provided     12/30/2024     A 1 XXXXXXXXXX IL 1 1 D   B   C   B   D   A   A   A     Non-QM 1
1629393 XXXXXXXXX XXXXXXXXXXXX 7122173 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   no XXX score located- satisfactory second evaluation required Acceptable XXXX provided.   Client 12/10/2024 03:07 PM; ucdp uploaded to file

 Reviewer 12/10/2024 05:06 PM;

12/10/2024     A 1 XXXXXXXXXX CA 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1629393 XXXXXXXXX XXXXXXXXXXXX 7122177 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Appraiser reported current lease payments lower than expired leases provided.  XXXXXXX satisfactory evidence of current lease''''s XXXXXXXX XXXXXXXX XXXXXXXX XXXXXXX for subject The appraiser reported XXXXXX XXXXXXXXXX and XXXXX on the appraisal which is the correct current rent – previous old, expired leases have become month to month rentals. XXXX leases that began in XXXXX are substantially lower than what the current market rents are. XXXXXXXXXXX borrower using the lower rents of XXXXXXXXX which is what the appraiser confirmed an impartial XXXX party.     12/10/2024     A 1 XXXXXXXXXX CA 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1629424 XXXXXXXXX XXXXXXXXXXXXX 7122256 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   XXXXd required evidencing repairs required were completed satisfactorily. XXXXD provided. XXXXXXXXXXXXX have been completed as required.    Client 12/27/2024 05:11 PM; Uploaded XXXXX

 Reviewer 12/29/2024 05:36 PM; Condition has been reviewed. XXX

 12/29/2024     A 1 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1629424 XXXXXXXXX XXXXXXXXXXXXX 7122259 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   DSCR calculation with XXXXXX rental lease XXXXXXX into XXXXX XXXXXXXXXXXXXXXX with ratio of XXXXX requires an XXXX of XXXXX XXXXXXXXXX needed for XXX   XXXX rent XXXXXXXX XXXXX is XXXXXXXXX XXXXX approving at XXXX XXXXXX XXXXXXXXXXXXX XXXXXXXXX the XXXXXXXXX neg cash flow is minimal, cash out creates over XXX months XXXXX reserves, borrower is an experienced XXX investor and landlord w/six XXXX plus primary, lease in file supports actual XXXXX is XXXXXX to XXX Client 12/27/2024 05:08 PM; XXXX rent XXXXXXXX XXXXX is XXXXXXX XXXXX approving at XXXX with mit factors: XXXX XXXXXXXXX neg cash flow is minimal , cash out creates over XXX months XXXXX reserves, borrower is an experienced XXX investor and landlord w/six XXXX plus primary, lease in file supports actual XXXXX is XXXXXX to XXXX

 Reviewer 12/29/2024 05:35 PM; Condition has been reviewed. XXX

     12/29/2024 B 2 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1629431 XXXXXXXXX XXXXXXXXX 7122301 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Non XXXXX XXXXXXX XXXXXXXXXXXX transferring with current realestate tax default Please see page XXX of XXXXX XXXXXXX XXXXXXXX XXXXX requirement is XXXXXXX of non-default on any existing mortgage(s)". XXXXXX are not a mortgage; they are delinquent but not in state of foreclosure. XXXX purpose of the XXX is to prevent non-arm''''s length sale transactions that are actually a XXXXXXXXXXXXXX refinance. XXXXXXXXXX owners have documented their destination home XXXXX XXXXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX   Client 12/27/2024 03:26 PM; Please see page XXX of XXXX XXXXX  XXXXX requirement is XXXXXXX of non-default on any existing mortgage(s)".   XXXXXX are not a mortgage; they are delinquent but not in state of foreclosure.  XXXX purpose of the XXX is to prevent non-arms length sale transactions that are actually a XXXXXXXXXXXXXX refinance.  XXXXXXXXXX owners have documented their destination home XXXXX XXXXXXXXXX XXXXXX XXXXXXX XXXXXXX XXXXXXX

 Reviewer 12/27/2024 04:18 PM;

12/27/2024     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1629431 XXXXXXXXX XXXXXXXXX 7122302 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Non XXXXX length transaction requires proof of non default on existing liens for subject. XXXX requirement is that there is no mortgage default. XXX XXXX was noted in either the fraud report or the title report. XX copy of the payoff demand for that mortgage (if in fact it is still open) has been added to the approval as a prior-to-purchase condition.   Client 12/13/2024 01:59 PM; XXXX requirement is that there is no mortgage default.  XXX XXXX was noted in either the fraud report or the title report.  XX copy of the payoff demand for that mortgage (if in fact it is still open) has been added to the approval as a prior-to-purchase condition.

 Reviewer 12/13/2024 02:22 PM;

12/13/2024     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1629431 XXXXXXXXX XXXXXXXXX 7122303 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   no XXX score provided, satisfactory second evaluation required. FNMA XXXXX XXX XXXXX score is XXXXXX     12/13/2024     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1629460 XXXXXXXXX XXXXXXXX 7122453 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Verify XXXX license active Internet search from XXXX XXXX XXXXXXXXX provided.   Client 12/12/2024 02:58 PM; document uploaded thank you for reviewing :)

 Reviewer 12/12/2024 03:35 PM;

12/12/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629460 XXXXXXXXX XXXXXXXX 7122455 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   second evaluation required Acceptable XXXX provided.     12/12/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629460 XXXXXXXXX XXXXXXXX 7122549 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     12/19/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629460 XXXXXXXXX XXXXXXXX 7122550 973 XXXXXXXXXX Compliance Compliance   Compliance - CD- Other   Please provide XXXXX that reflects the corrected consummation, disbursement and prepaid interest start dates. Information provided   Reviewer 12/17/2024 08:43 AM; XX/XX XXXXX is still not correct.  XXXXX XX reflects a closing date of XXXXXX when the loan actually closed on XXXXXXX  XXXXXXX provide a XXXX XXXXX with the correct closing date on pageX

 Client 12/17/2024 06:45 PM; this is a dry state this loan was executed on XXXXXXX  XXXXXXX on XXXXXX and disbursed on XXXXXX pccd appears to be correct.  

 Reviewer 12/18/2024 04:39 AM;

 Reviewer 12/18/2024 03:38 PM; Hello
XXXXXXXXXXXXX have been updated.  XXXXX is missing initial XXX issued and received by borrower XX days prior to closing.

XXXXXXX

12/18/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629460 XXXXXXXXX XXXXXXXX 7122948 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Missing initial XXX received XX days prior to consummation Information provided     12/19/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629460 XXXXXXXXX XXXXXXXX 7122990 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information provided     12/19/2024     A 1 XXXXXXXXXX CA 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629467 XXXXXXXXX XXXXXXXX 7123949 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     01/03/2025     A 1 XXXXXXXXXX TX 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629467 XXXXXXXXX XXXXXXXX 7123950 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need initial XXX and proof it was rec''''d at least XX days prior to closing date of XXXXXXXX XXXXX in file stamped XXXXXXXXXXXXXX is not acceptable as initial XXXXXX Information provided     01/03/2025     A 1 XXXXXXXXXX TX 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629467 XXXXXXXXX XXXXXXXX 7122460 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory XXXX statement income worksheet supporting XXXXXXXXXXXXX from XXXXXXXXXXXX at XXXXX ownership and XXXX XX Business XXXXX XXXXXXXXXX XXXXXXX work sheet provided      12/12/2024     A 1 XXXXXXXXXX TX 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629467 XXXXXXXXX XXXXXXXX 7122461 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score above XXXXXX satisfactory second evaluation required Acceptable XXXX provided.     12/12/2024     A 1 XXXXXXXXXX TX 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1629505 XXXXXXXXXX XXXXXXXXXX 7122638 1006 XXXXXXXXXX Credit UW Approval   UW Approval - UW Approval - 1008 or 92900 LT missing   Final loan approval was not provided. received final approval   Reviewer 12/17/2024 04:51 PM; Received the XXXXXXX XXXXXXX send the final lender approval

 12/18/2024     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1629506 XXXXXXXXXX XXXXXXXXXX 7122691 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXXXXXXXX XXXXX XXXXXXXXX document received approval     12/17/2024     A 1 XXXXXXXXXX WA 1 13 C   A   C   A   A   A   A   A     Non-QM 1
1629508 XXXXXXXXXX XXXXXXXXXX 7122831 201 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - is missing.   File is missing the hazard insurance policy. Information provided     12/20/2024     A 1 XXXXXXXXXX OR 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1629508 XXXXXXXXXX XXXXXXXXXX 7122832 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   final loan approval with XXXXX calculation received approval with XXXXX of XXXXX     12/20/2024     A 1 XXXXXXXXXX OR 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1629508 XXXXXXXXXX XXXXXXXXXX 7122833 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Final hazard insurance confirming XXXXXXXXX monthly with XX months rent loss insurance received XXX     12/19/2024     A 1 XXXXXXXXXX OR 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122591 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   Provide XXXXXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXX dated within XX days of application date. Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122592 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   Provide XXXXX dated within XX days of application date. XXX XXXXX was located in file. Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122593 901 XXXXXXXXXX Compliance Compliance   Compliance - TRID Other   Provide disclosure dated within XX days of lock date of XXXXXXXXXXXX Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122594 902 XXXXXXXXXX Compliance Compliance   Compliance - Pending internal completion of TRID compliance review for disclosure timing and or fee tolerance comparisons.  Additional conditions may apply.     Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122595 970 XXXXXXXXXX Compliance Compliance   Compliance - CD- Missing   Provide XXXXXXXX XXXXX XXXXX final XXX was located in file. Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629525 XXXXXXXXXX XXXXXXXXXX 7122516 7 XXXXXXXXXX Credit Application   Application - Completed, signed, initial application for all applicant not in file   File is missing the initial application. Information provided     12/19/2024     A 1 XXXXXXXXXX FL 1 13 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1629589 XXXXX XXXXX 7122763 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval missing from file. Loan approval date is the date of printout. XXXX conditions cleared prior to closing   Reviewer 12/18/2024 03:59 PM; The loan approval received is dated XXXXXXXXX and the note date is XXXXXXXXXXX  XXXXXXXX how the loan was approved after closing.

 Client 12/18/2024 04:44 PM; that is the date printed not the approval date.  XXXXXXX see the condition cleared dates

 Reviewer 12/19/2024 10:23 AM; condition cleared

 12/19/2024     A 1 XXXXXXXXXX PA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629613 XXXXXXXXX XXXXXXXXXXXX 7122731 875 XXXXXXXXXX Credit Disclosure   Disclosure - Other:   This is a business purpose loan, however, a business purpose affidavit is missing.  XXXXXXX provide business purpose affidavit Information provided   Reviewer 12/17/2024 04:00 PM; Loan is XXXXXXXXXXX and cash-out - file must contain attestation reflecting what the cash is used for.

 12/20/2024     A 1 XXXXXXXXXX FL 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1629620 XXXXXXXXX XXXXXXX 7124472 437 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Missing/Incomplete Verbal VOE   Verbal verification(s) dated within XXX days of closing required. VVOEs dated XXXXXXXXXXX provided.     01/03/2025     A 1 XXXXXXXXXX MT 2 1 D   A   D   A   A   A   A   A     Higher Priced QM (APOR) 1
1629858 XXXXXXXXX XXXXXXXXXX 7123002 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   no XXX located, satisfactory second evaluation required FNMA XXXXX XXX XXXXX score is XXXX    Client 12/20/2024 06:08 PM; uploaded to file thank you for reviewing :)

 Reviewer 12/23/2024 05:17 AM; Please upload the XXXXXXXXX or second valuation. XXX wasn't found in the XXXXXXXXXXX file. XXXXXX you

 Client 12/23/2024 08:19 AM; The system has processed XXXX file(s) you have queued and cleared any open XXXXXXXX XXXXXXXXXXXXXXXX XXXXXXXXXXXXXX deficiency! - i have reuploaded the ucdp thank you for reviewing :)

 Reviewer 12/23/2024 08:47 AM; Condition has been reviewed. XXXXXX you

 12/23/2024     A 1 XXXXXXXXXX CT 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629858 XXXXXXXXX XXXXXXXXXX 7123005 374 XXXXXXXXXX Credit UW Other   UW Other - UW - Evidence of legal residency   Non XXXXXXXXXX XXXXXXXXX XXXXXX documentation for both borrowers required. Borrower is an XXXXX –per waterfall status on XXXXXX credit report, XXX XXXX and XXXXX letter all in file, XXXXX also priced as XXXXXXX    Client 12/20/2024 06:08 PM; Borrower is an itin –per waterfall status on XXXXXX credit report, us id, and itin letter all in file, XXXXX also priced as XXXXXXX  thank you for reviewing :)

 Reviewer 12/23/2024 05:12 AM; Condition has been reviewed. XXXXXX you

 12/23/2024     A 1 XXXXXXXXXX CT 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629862 XXXXXXXXX XXXXXXXXXXXX 7123019 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score not located- satisfactory second evaluation required FNMA XXXXX XXX score was XXX     12/19/2024     A 1 XXXXXXXXXX FL 1 3 C   A   C   A   C   A   C   A     Safe Harbor QM (APOR) 1
1629862 XXXXXXXXX XXXXXXXXXXXX 7123020 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   CPA letter to be dated CPA XXXXXXX dated XXXXXXXXXX provided.     12/30/2024     A 1 XXXXXXXXXX FL 1 3 C   A   C   A   C   A   C   A     Safe Harbor QM (APOR) 1
1629862 XXXXXXXXX XXXXXXXXXXXX 7124095 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     12/31/2024     A 1 XXXXXXXXXX FL 1 3 C   A   C   A   C   A   C   A     Safe Harbor QM (APOR) 1
1629862 XXXXXXXXX XXXXXXXXXXXX 7124096 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need initial XXX and proof it was rec''''d by the borrower at least XX days prior to XXXXXX closing date. Information provided     12/31/2024     A 1 XXXXXXXXXX FL 1 3 C   A   C   A   C   A   C   A     Safe Harbor QM (APOR) 1
1629870 XXXXXXXXX XXXXXXX 7123030 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Initial fully executed XXXX missing from file. Signed initial XXXXX provided.     01/08/2025     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629870 XXXXXXXXX XXXXXXX 7123031 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CDA missing from file. Acceptable XXXX provided.   Client 01/08/2025 10:34 AM; Good morning; our collateral team mentions that XXXXX loans do not require a XXXX -- can you please advise?

 Reviewer 01/08/2025 11:13 AM; The XXXXXXX XXXX XXXXX XXXXXXXX reflects XXX findings returned for the XXX XXXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX purposes a XXXX is required.

 Reviewer 01/08/2025 11:14 AM; The XXXXXXX XXXX XXXXX XXXXXXXX reflects XXX findings returned for the XXX XXXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX purposes a XXXX is required. XXXXXX you

 01/08/2025     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629870 XXXXXXXXX XXXXXXX 7124492 7 XXXXXXXXXX Credit Application   Application - Completed, signed, initial application for all applicant not in file   Initial application must be signed by borrower and XXXX Information provided     01/08/2025     A 1 XXXXXXXXXX WA 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1629873 XXXXXXXXX XXXXXXX 7123026 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   Second valuation XXXXXXXX missing from file. received desk review     12/19/2024     A 1 XXXXXXXXXX WA 3 13 C   A   A   A   N/A N/A C   A     Exempt 1
1630018 XXXXXXXXX XXXXXXX 7123155 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Satisfactory evidence of XXX XXXX dues on primary, along with  evidence of monthly taxes XXXXXXXXXXX and monthly insurance XXXXXXXXX Taxes XXXXXXXXXXX XXXX XXXXXXXXXXXXXXXXXXXXXXXXX XXX XXX     01/08/2025     A 1 XXXXXXXXXX SC 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1630018 XXXXXXXXX XXXXXXX 7123156 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory evidence of XXXX license Internet search for XXXX XXXXXXXX provided.     01/08/2025     A 1 XXXXXXXXXX SC 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1630060 XXXXXXXXXX XXXXXXXXXX 7123672 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval missing from file. XXXX and rate lock showing program details acceptable in lieu of approval   Client 12/26/2024 02:51 PM; File is manual underwriting. XXXXX uploaded

 Reviewer 12/26/2024 03:55 PM; Document received was the XXXXXX XXXXXXX provide the final lender approval

 Reviewer 12/26/2024 04:31 PM; condition cleared

 12/26/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630060 XXXXXXXXXX XXXXXXXXXX 7123673 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide XXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. received XXXXX XXXXX confirmation.  XXXXX will assess the lock for accuracy prior to finalizing the loan purchase.     12/26/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630060 XXXXXXXXXX XXXXXXXXXX 7123674 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Loan closed in a XXXXXXX per guidelines section XXXXXXXXX XXXXXXX are not permitted. According to the XXXXXX XXXXXXXXXXXXXXX the XXXXXX is revocable and is acceptable per XXXXXXX     12/27/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630060 XXXXXXXXXX XXXXXXXXXX 7123675 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Certification of trust missing from file. received the XXXXXXXXXXXX of XXXXX     12/26/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630060 XXXXXXXXXX XXXXXXXXXX 7123676 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Trust XXXXXXXXXX missing from file. Trust XXXXX meets lender''''s requirements and is acceptable in lieu of full trust agreement   Client 12/27/2024 10:11 AM; We provided the trust certificate and it verifies all the following:  a. XXXXX of the trust -- b. XXXXX trust executed -- c. XXXXXXXX (s) of the trust -- d. XXXXX the trust is revocable  -- e. XXXXXXXX the trust has multiple trustees -- f. XXXXX of the trustees -- g. XXXX trust was created using the laws of the XXXXXX of ______ -- h. XXXXXXXX beneficiaries -- i. XXXX amendment dates if applicable, if not amended, please state: (no amendments) --  provided XXXXXX agree

 Reviewer 12/27/2024 03:26 PM; condition cleared

 12/30/2024     A 1 XXXXXXXXXX CA 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630202 XXXXXXXXXXXX XXXXXXXXXXXX 7124005 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval Approval provided.   Reviewer 12/30/2024 06:02 AM; Loan approval was not provided

 12/31/2024     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630202 XXXXXXXXXXXX XXXXXXXXXXXX 7124007 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Satisfactory XXXXX report confirming unit meets manufactured guidelines, XXXXXXXXXXXX XXXXXX painted over, and XXXX XXXXX plate missing IBTS report provided.     12/31/2024     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630202 XXXXXXXXXXXX XXXXXXXXXXXX 7124009 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. received XXXXX lock confirmation/ XXXXX will assess the lock for accuracy prior to finalizing the loan purchase.     12/30/2024     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630202 XXXXXXXXXXXX XXXXXXXXXXXX 7123922 72 XXXXXXXXXX Compliance Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided     12/31/2024     A 1 XXXXXXXXXX CA 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630273 XXXXXXXXX XXXXXXXXXXX 7123783 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Max XXXXX amount on XXXXXX property is XXXXXXXXXXX exception needed for loan amount XXXXXXXXXXX   Approved for loan amount of XXXXXXXXXXXXXXXX XXXXXXXXXXXXX factors: XXXXXXXX mortgage, XXXX XXXXX subject built in XXXXXX XXXX XXXXX self-employed since XXXXXXX  Client 12/26/2024 10:52 AM; Exception email uploaded XXXXXX - XXXXXX approved

 Reviewer 12/26/2024 12:51 PM;

 Reviewer 12/26/2024 03:17 PM;

    12/26/2024 B 2 XXXXXXXXXX AL 1 13 C   B   C   B   A   A   C   A     Non-QM 1
1630273 XXXXXXXXX XXXXXXXXXXX 7123784 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   CU score exceeds XXXXXX satisfactory second evaluation required Acceptable XXXX provided.     12/26/2024     A 1 XXXXXXXXXX AL 1 13 C   B   C   B   A   A   C   A     Non-QM 1
1630318 XXXXXXXXXX XXXXXXXXXX 7124220 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Non XXXXX length transaction requires lien on title to be verified satisfactory with no current delinquencies received seller''''s pay off with no additional interest or fees.   Client 01/06/2025 05:32 PM; If seller's payoff demand is provided and reflects XXXX days accrued interest and no legal fees or default interest, this is generally sufficient to validate the seller's mortgage to be current.  XXXXX need a copy of the XXXXXXXXX payoff demand for the existing mortgage.

 Reviewer 01/07/2025 12:06 PM; additional commentary added

 Reviewer 01/07/2025 12:06 PM; Per lender: XXXXXXXX a copy of the XXXXXXXXXX payoff demand for the existing mortgage. XXX seller''s payoff demand is provided and reflects XXXX days accrued interest and no legal fees or default interest, this is generally sufficient to validate the seller''s mortgage to be current.

 Reviewer 01/07/2025 12:06 PM; Per lender: XXXXXXXX a copy of the XXXXXXXXXX payoff demand for the existing mortgage. XXX seller''s payoff demand is provided and reflects XXXX days accrued interest and no legal fees or default interest, this is generally sufficient to validate the seller''s mortgage to be current.

01/08/2025     A 1 XXXXXXXXXX NV 1 1 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1630318 XXXXXXXXXX XXXXXXXXXX 7124261 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XX% tolerance violation of XXXXXXXXXX due to increase in lenders title insurance with no valid coc XXXXXX in file is not valid).  XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure.  XXXX must be issued within XXX days of consummation. Information provided   Reviewer 01/03/2025 10:10 AM; COC''''s provided don''''t give a valid reason for the increase.  XXXXX a valid reason for th eincrease.

 Client 01/06/2025 02:07 PM; X- XXXXXXXXX XXXXXX XXXXXXXXXX XXXX has been adjusted as XXXXXXXXX amount of XXXXXXXXXXXX and then added XXXXXX insurance adjustment credit of XXXXXXXX on XXX XXXXXXX on XXXXXXXXXXXXXXXX XXXXX = XXXX XXXXXXXXX insurance XXXXXXXXXXXXX
 
XXXX XXXXXXXXX XXXXXX insurance after adjustment credit is XXXXXXXXXXXX only which is same on XXXXXXXX
 
XXX is just different way of showing it on XXXXXXXXXXXXXXXX and XXXXX however net amount of lender's title insurance is same i.e.

 Reviewer 01/06/2025 02:26 PM; Hello
XXXX XXX only disclosed XXXXXX for lenders title, XXX disclosed XXXXXXXXX  XXXXXX is no valid coc for the increase in fee.  XXXXXXXXX of refund is required.

XXXXXX

 Reviewer 01/06/2025 03:05 PM;

 Reviewer 01/07/2025 01:24 PM; Lenders coverage increased on XXXXXXXX  XXXX provided is for XXXXXXXX  XXXXXXXXXXX remains open

 01/14/2025     A 1 XXXXXXXXXX NV 1 1 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1630318 XXXXXXXXXX XXXXXXXXXX 7124273 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     01/14/2025     A 1 XXXXXXXXXX NV 1 1 C   A   C   A   C   A   A   A     Safe Harbor QM (APOR) 1
1630334 XXXXXXXXXX XXXXXXXXXX 7124271 875 XXXXXXXXXX Credit Disclosure   Disclosure - Other:   E XXXXXXXX is missing Information provided     01/06/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630334 XXXXXXXXXX XXXXXXXXXX 7124260 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Closed in XXXXX XXXXXXX XXXXXXXXX XXXXXXXXXXX XXXX a state of XXXXXX XXXXXXXXXXXXX evidence of XXXXXXXXX of XXXXXXXXXXX XXXX XXXX XXXXXXX confirming borrower is XXXXX owner, and signed XXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX XXXX is in good standing at time of closing. - XXXXXXXXXX to meet XXXXX XXXXXXXX requirements received business documents     01/02/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630334 XXXXXXXXXX XXXXXXXXXX 7124196 72 XXXXXXXXXX Credit Closing Package   Closing Package -    File is missing the XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX information provided   Reviewer 01/03/2025 09:58 AM; Operating agreement is missing date signed on page X

 Reviewer 01/06/2025 09:06 AM; Document provided is still not dated by borrower on page X

 01/07/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1630523 XXXXXXXXX XXXXXXXXXX 7124373 329 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Satisfactory 12 mth CCCS reference   Satisfactory evidence of rental income of XXXXXXX for property located at XXXX XXXXXXXXXXXX XXXXXXX XXXXXXXXXXX XXX from XXXXX XXXXXX for past two months. Venmo document showning XXXXXXX was in file.    Client 01/02/2025 01:09 PM; Please see venmo document showing XXXXX from XXXX uploaded on XXXXXXXXXXXX  XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXXX  – thank you for reviewing

 Reviewer 01/02/2025 01:53 PM; Condition has been reviewed. XXX

 01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124374 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Satisfactory evidence of rental income of XXXXXX for property located at XXXXXX XX XXXXXX XXXXXXXX XXX from XXXXX XXXXXX for past two months. Cancelled check uploaded to file supporting XX months paid in advance.   Client 01/02/2025 01:14 PM; Please see cancelled check uploaded to file from XXXX XXXXX– he paid XX months in advance – XXXXX the property is free and clear per property profile uploaded to file.  XXXXXXXXX is not obligated to have hazard insurance on property and monthly tax amount is XXXXXXX = XXXXXXXX XX have uploaded my reo worksheet showing XXXXXXXXX hit with both mtg payments without using rent
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXXXX

 Reviewer 01/02/2025 01:53 PM; Condition has been reviewed. XXX

 01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124376 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Supply satisfactory evidence of XXXXXX and XXXXXXXXXX of XXXXXX monthly for property located at XXXXXX XX XXXXXX XXXXXXXX XX Property is free and clear per property profile provided. XXXXXXXXX is not obligated to have hazard insurance on property and monthly tax amount is XXXXXXX = XXXXXX     01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124377 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Supply satisfactory evidence XXXXXXXXX payment for XXXXXX from XXXXXXXXX XXXX includes escrows associated with XXXX XXXXXXX XXXXXX XXXX XXXXXXXXXXX XX ICE XXXXXX XXXXXXX provided. XXXXX XXXXX used in XXX     01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124378 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   Supply satisfactory evidence mortgage of XXXXXXX monthly with XXXXXX includes escrows for property located at XXXXX XX XXXXXXXXX XXXXXXXX XX Full XXXXX included in XXX     01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124380 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Satisfactory fraud report for XXXXXXXXX XXXXXX Drive XXXXXXX provided XXXXXXX XXXXXXX   Client 01/02/2025 03:55 PM; fraud report has been uploaded for XXXXXXXXX - it is joint report – thank you for reviewing

 Reviewer 01/02/2025 04:11 PM;

01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124384 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory evidence borrower is at least a XXXX owner of XXXXXXXXX XXXXXXXXXXX (signer of XXXX account does not represent ownership) Do not need to document ownership borrower qualifying off personal XXXX accounts only. XXXX using XXX xxxx XXXX acct XXXXXX as income- only used to document where business income was deposited, used personal XXXX account XXXXXX including xxxx deposits transferred into personal account to qualify borrower.   Client 01/02/2025 01:08 PM; Do not need to document ownership borrower qualifying off personal XXXX accounts only.  XXXX using xxxx business XXXX acct XXXXXX as income- only used to document where business income was deposited, used personal XXXX account XXXXXX including xxxx deposits transferred into personal account to qualify borrower – XX uploaded a XXXX table that shows which accounts were used, which accounts are personal or business, joint or individual – thank you for reviewing

 Reviewer 01/02/2025 01:53 PM; Condition has been reviewed. XXX

 01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124394 1108 XXXXXXXXXX Valuation UW Collateral TPR   UW Collateral TPR - UW - Second collateral evaluation is required.   no XXX score located, satisfactory second evaluation required FNMA XXXXX XXX XXXXX score was XXX   Client 01/02/2025 01:05 PM; cu uploaded to file

 Reviewer 01/02/2025 01:53 PM; Condition has been reviewed. XXX

 01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7124395 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Final XXXXXX to be corrected to show borrowers correct current housing, and XXXXX and property held jointly, and XXXX XXXXXXXXX co borrower questions correcting as non primary residence REO XXXXXXXXX provided. XXXXXX XXXXX to be reviewed post-close.       01/02/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7125077 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     01/15/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7125078 894 XXXXXXXXXX Compliance Compliance   Compliance - TRID LE- Other   Missing XXXXXXXXXX  XXXXX the initial XXX and any revised XXXXXXXXX Information provided     01/15/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7125079 1058 XXXXXXXXXX Compliance Compliance   Compliance - Need Evidence of Borrower Intent to Proceed     Information provided     01/15/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7125080 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   Need the XXXXX issued within XX days of XXXXXX application date. Information provided     01/15/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1630523 XXXXXXXXX XXXXXXXXXX 7125081 875 XXXXXXXXXX Compliance Disclosure   Disclosure - Other:   Need the XXXXX XXXXX XXXXXXXX issued within XX days of XXXXXX application date. Information provided     01/15/2025     A 1 XXXXXXXXXX OK 1 1 C   A   C   A   C   A   C   A     Non-QM 1
1631046 XXXXX XXXXX 7125290 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Taxes on subject were delinquent and sold with tax sale, redemption completed at closing Per XXXXXX this matter does not require a management exception, as XXXXX does not consider delinquent/defaulted taxes to be a mortgage late/default, and mitigates risk requiring impounds. XXXXXX XXXXXXXX XXXXXXX XX    Reviewer 01/21/2025 06:54 PM; Received the XXXXXXXXXX request form/  XXXXXXXX provide the exception request approved with signature, name and date

 Client 01/22/2025 10:53 AM; This matter does not require a management exception, as XXXXX does not consider delinquent/defaulted taxes to be a mortgage late/default, and mitigates risk requiring impounds.  XXXXXXX XX don''t have a method for signing a XXXXXXXXXXXXXXX

 Reviewer 01/22/2025 11:22 AM;

01/22/2025     A 1 XXXXXXXXXX IL 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1631046 XXXXX XXXXX 7125291 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan is a XXXXXXXXXX in the name of XXXXXX XXXXX XXXXX  a different XXXX than  XXX XXXXXX XXXX closing in.  XXXXXXXXXXXXX evidence borrower is owner of both XXXXX XXXXXXX XXXXX XXXXX and XXX XXXXXX XXXX - and both are in good standing received documents for both XXXXXXXX     01/15/2025     A 1 XXXXXXXXXX IL 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1631053 XXXXXXXXXXXXX XXXXXXXXXXXXX 7125270 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Minimum trade line requirement not met.  XXX primary housing, no open active tradelines.  XXXX tradelines inactive All of the accounts on the credit report that have been closed have been seasoned.      01/13/2025     A 1 XXXXXXXXXX NC 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1633160 XXXXXXXXX XXXXXXXXX 7130242 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. Acceptable XXXX provided.     02/24/2025     A 1 XXXXXXXXXX OH 3 1 C   A   A   A   N/A N/A C   A     Exempt 1
1633206 XXXXXXXXX XXXXXXXXX 7130324 424 XXXXXXXXXX Credit UW Collateral   UW Collateral - UW - Appraisal Report invalid or expired   Provide an appraisal update. XXXX appraisal in file expired XXXXXXXXXXXX the guidelines require that if the appraisal is XXXXXXXX days old at funding, the original appraiser must supply an appraisal update with photos, and if XXXX days or more old, a full new appraisal report by a licensed or certified appraiser is required.   Appraisal report expiration date XXXXXXXXXX is granted an exception for up to XXX calendar days. XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXXXX transaction, XXXXX review risk rating of XXXXXXXXXXX Client 02/27/2025 01:03 PM; XXXXXXXXX_XXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXX - exception to proceed with appraisal in file uploaded - XXXXXXX waive XXXXXX you for reviewing

 Reviewer 02/27/2025 01:29 PM;

    02/27/2025 B 2 XXXXXXXXXX FL 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1633206 XXXXXXXXX XXXXXXXXX 7130325 323 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Requirements for Program   Provide XXXXXXX XXXXXXXXXX documentation for all borrowers in accordance with XXXXXXXX XXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXX - XXXXXXXXX XXXXXXXXXXXXXX guideline.   Exception granted from XXXXX allowing the XXXXXXX of XXXXXXX XXXXXXXXXX and ownership of property satisfying the credit requirement. XXXXXXXXXXXXX XXXXXXXXX XXXX XXXXX XXXXXXXXXX transaction, XXXXX review risk rating of XXXXXXXXXXX Reviewer 02/27/2025 01:14 PM; Revised XXXX provided contains one open XXXXXX XXX XXXX XXXXXXXXX

 Reviewer 03/07/2025 09:17 PM; Credit XXXXXXXXXX via XXXX account verification provided for one of the two borrowers/guarantors.

 Client 03/11/2025 06:07 PM; This loan has already closed and we are asking for an exception on guarantor number XX XXXX statements. XXX filled out a source of wealth affidavit and is an experienced investor who owns property in XX other countries besides the XXXXXXX XXXX you please make an exception and waive this condition to avoid poor customer service occurring after closing? XX uploaded the source of wealth affidavit that he filled out and signed. XXXXXX you.

 Reviewer 03/11/2025 06:56 PM;

 Reviewer 03/11/2025 08:43 PM; Received a XXXXXXXX of XXXXXXXX XXXXXXXXXXXX  XXXX not receive documentation to verify credit reference for all borrowers.

     03/12/2025 B 2 XXXXXXXXXX FL 3 13 D   B   D   B   N/A N/A A   A     Exempt 1
1633458 XXXXXXXXXXXXX XXXXXXXXXXXXX 7130827 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   XXXXX XXXXX XXXXXXXXXX not permitted on investment property purchase. XXXX XXXXXXXXX is a XXXXXX XXXXX XXXXXXXXXXX   Compensating factors: XXXXXXXX XXXX below max of XXXXX XXXXX XXXXXX above minimum XXXXX of XXXXXXX       02/28/2025 B 2 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1633458 XXXXXXXXXXXXX XXXXXXXXXXXXX 7130829 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Citizenship documentation missing from file - XXXXXXXX XXXXXXXX received current passport     03/03/2025     A 1 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1633458 XXXXXXXXXXXXX XXXXXXXXXXXXX 7130832 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Foreign XXXXXXXXX XXXXXXXXXXX for assets requires seasoned funds. XXXXXX deposits from foreign accounts requires XXXX and paper trail - XXXXXXXXXX XXXXXXXX and XXXXXXXXXX XXXXXXX Gift letter and XXXX statements provided.   Reviewer 03/03/2025 06:40 PM; Documents to verify the source of these deposits were not provided.

 Reviewer 03/06/2025 04:13 PM; Per XXXXXX XXXX large deposits need to be sourced and seasoned XXX days total. XXXXXXXX sufficient documentation

 03/25/2025     A 1 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133176 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan approval missing from file received loan approval     03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133177 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   XXX with photos missing from file Colored photos provided.      04/09/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133178 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Certificate of XXXXXXXXXX from XXXXXXX missing from file received XXXX from title for the XXXXXXXXXXXX of XXXXXXXXXX from XXXXX of XXXXX XXXXX   Reviewer 03/20/2025 04:32 PM; Document received is the XXXXXXXXXXXX of XXXXXXXXXX from XXXXX of XXXXX XXXXXXXX  XXXX not locate any legal address in the file that reflects property is located anywhere other than XXXXXXXXXX XXXXX  XXXXXXXX clarification.

 03/24/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133179 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Funds required to be on deposit with title minimum XX business days prior to close. XXXXXX wired to title XXXXXXXXXXXX XXXXX closed XXXXXXXXXXXXXXXXX to close wired from XXXXXX account. XXXXXXXXXXX funds were not verified in this account. XXXX additional funds verified in file are a foreign XXXX. XXXXX XXXX statement reflects funds deposited on XXXXXXX     03/17/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133181 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   LLC documentation in file do not match the XXXX for this transaction. XXXX documentation required • XXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXX of XXXXXXXXXX / XXXXXXXX of XXXXXXXXXXXXXX XXXXXXXXXXXX of XXXXX XXXXXXXXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business sis being performed), XXXXXXXXXXX on all XXXXXXXX with XXXX or more,     XXXX XXXXXXX for the XXXXXX received all business documents     03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133107 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. Documents received.      03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633865 XXXXXXXXXX XXXXXXXXXX 7133108 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the lender''''s approval. Documents received.      03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633866 XXXXXXXXXX XXXXXXXXXX 7133192 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan XXXXXXXXX missing from file received loan approval     03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633866 XXXXXXXXXX XXXXXXXXXX 7133193 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide XXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. Received XXXXX XXXXX XXXXXXXXXXXX     03/11/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633866 XXXXXXXXXX XXXXXXXXXX 7133194 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   XXX with photos missing received XXX     04/01/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633866 XXXXXXXXXX XXXXXXXXXX 7133195 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Certificate of XXXXXXXXXX from county missing Received XXX     03/27/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633867 XXXXXXXXXX XXXXXXXXXX 7132879 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing final signed final loan approval from XXXXX XXXXXXX received final approval     03/12/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1633867 XXXXXXXXXX XXXXXXXXXX 7132880 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing the following documentation on XXXXX XXXXXXX XXXXX XXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business is being performed) XXXX XXXX XXXXXXX for the XXXXXX Received business documents     03/12/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1633867 XXXXXXXXXX XXXXXXXXXX 7132881 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing documentation confirming three deposits of XXXXXXXXXXXXX totaling XXXXXXXXXX were paid and XXXX statements showing proof of payment. Conversion charts and XXXXXXXXXXX statement in XXX currency provided   Reviewer 03/12/2025 04:33 PM; Received wire transfers for XX deposits of XXXXXXXXX from XXXXXXXXXXXXXX of XXXXX XXXXXXX on XXXXXX XXXXX and XXXXXX XXXXXXX provide XXXX statements to reflect these funds were wired on these dates.

 Reviewer 03/24/2025 04:16 PM; Documents provided did not include the XX XXXX statements from XXXXX of XXXXX XXXXXXX that reflect XX separate withdrawals of XXXXXXXXX totaling XXXXXXXXXX

 Client 03/27/2025 10:30 AM; For the XX deposits, see attached the XX conversions ( XXXXXXXXX currency), the value of the dollar changes daily. XXX the file we provided the statements showing the debits and the line of credit where the money came from to source the large deposits.

 Reviewer 03/27/2025 12:01 PM;

03/27/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1633867 XXXXXXXXXX XXXXXXXXXX 7132565 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. information provided     03/12/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133104 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. Information provided     03/19/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133218 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan XXXXXXXXX missing from file. received loan approval   Reviewer 03/19/2025 08:55 PM; Received the XXXXXX XXXXXXX provide the complete XXXXXXX approval with terms and conditions.

 03/20/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133219 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Credit requirements for XXX not met. XXXXXXXXXXX require XXX XXXXXXX XXXXXXXX XXXXXXXXXXXXXX XXXXXXX XXXXXXXX XXXXXXXXX credit letter from an XXXXXXXXXXXXXXXX known financial institution or XXXX statements covering XXX days documenting a foreign banking relationship for the past XXX days XXXXXX XXX XXXXXX Received additional documentation to clear the condition   Reviewer 03/19/2025 08:26 PM; The document received are XXXX statements from XXX XXXX XXXXXXXXX with a XXXXXXXXX address

 Reviewer 03/20/2025 04:39 PM; Provide evidence that XXXXXXXXX is headquartered outside the XXXX

 Reviewer 03/23/2025 08:12 PM; Provide documentation of XXXXXXXXX having international recognition.

 03/24/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133221 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   LLC documentation missing from file XXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXX of XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXXX XXXXXXXXXXXX of XXXXX XXXXXXXXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if applicable), XXXXXXXXXXX on all members with XXXX or more ownership and XXXX XXXXXXXX Received business documents     03/19/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133222 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Title XXXXXXXXXXX must be in the XXXXXX XXX is currently in individual names. Received title in XXXX name     04/01/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133223 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Certificate of XXXXXXXXXX from XXXXXXX for new construction missing from file received XXX     03/19/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133224 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Verification XXXXXXXXXX are not XXXXX-time homebuyers or exception for XXXXX purchasing an investment property required. XXXX XXXXXXXXXXX XXXX reflects XXXXXXXXXX owned previous home; however, the XXXXXXXXXXXXX XXXXXXXX reflects XXXXXXXXXX have not owned a home. received XXXX and revised XXXX     03/20/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133225 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Addendum to sales contract reflecting the XXXXXXXXXX as XXXX missing from file. received contract addendum     04/01/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634279 XXXXXXXXX XXXXXXXXXXX 7134515 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The third month''''s XXXX statement required for the X Documents received     03/21/2025     A 1 XXXXXXXXXX AZ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634279 XXXXXXXXX XXXXXXXXXXX 7133216 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. Acceptable desk review dated XXXXXXXXXXX provided supporting appraisal value.     03/19/2025     A 1 XXXXXXXXXX AZ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634279 XXXXXXXXX XXXXXXXXXXX 7134878 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Missing signed page XX of the borrower''''s XXXXX and XXXXX XXXX XXXXXXXXXX  XXXXX listed on the XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX as a XXXXXX to XXXXXXXX XXXXXXXXXXX XXXXXX received signed pages     03/25/2025     A 1 XXXXXXXXXX AZ 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634429 XXXXXXXXX XXXXXXXXXXXXX 7134873 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing verification of the following mortgage being current the month of closing  XXXXXXXXXX account number ending in XXXXXXX for the XXXX listed in XXXXXXXX XXX of the XXXXXX XXXXXXX  XXXXX is the XXXXXX to XXXXXXXX XXXXXXXXXX XXXXX listed on the XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX Per updated guidelines, XXXXXXX report in file is still valid mortgage rating is also valid and accepted - updated rating not required due to unexpired credit report in file.      Client 03/25/2025 12:31 PM; Credit report in file is still valid mortgage rating is also valid and accepted - updated rating not required due to unexpired credit report in file. XXXXX is a XXXXX loan XXXXXXX clear thank you for reviewing

 Reviewer 03/25/2025 02:49 PM;

03/25/2025     A 1 XXXXXXXXXX MO 3 3 D   A   D   A   N/A N/A C   A     Exempt 1
1634429 XXXXXXXXX XXXXXXXXXXXXX 7134874 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   The XXXXXXXXX XXXXXXX of XXXXXXXXXX on the XXXXXX XXXXXXXXXXX is XXXXXXXXXX and the loan amount on the XXXXX is XXXXXXXXXXX Revised XXXXXX XXXXXXXXXXX provided      04/14/2025     A 1 XXXXXXXXXX MO 3 3 D   A   D   A   N/A N/A C   A     Exempt 1
1634429 XXXXXXXXX XXXXXXXXXXXXX 7133425 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. Valid XXXXXXXXXX XXXXX XXXXXXX provided for subject property.   Reviewer 03/12/2025 11:53 AM; The appraisal XXXXX XXXXXXX is for another property other the subject

 03/24/2025     A 1 XXXXXXXXXX MO 3 3 D   A   D   A   N/A N/A C   A     Exempt 1
1634430 XXXXXXXXX XXXXXXXXXXXXXX 7134728 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   This XXXXX purchase is missing verification of the other mortgages being current the month of closing.  XXXXX is a XXXXXX to XXXXXXXX XXXXXXXXXX on the XXXXXX XXXX credit report is from XXXXXXXXXXX and the loan closed XXXXXXXXXXXXX  XXXXXX are XX mortgages on the credit report for XX other investment XXXXXXX XXXX credit review is on hold until documents are received. Adding deficiency in review.      03/31/2025     A 1 XXXXXXXXXX MO 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1634430 XXXXXXXXX XXXXXXXXXXXXXX 7134981 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The loan file is missing verification that all mortgages are current month of closing in accordance with condition XXXXX of the XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXX  XXXXXXX report dated XXXXXXXXXXX disclosed mortgages with XXXXXXXX and XXXXXXXXXXXX Revised XXXX with condition XXX removed provided. XXXX updated guideline, XXXXXXX report in file is still valid mortgage rating is also valid and accepted   Client 03/25/2025 12:25 PM; Credit report in file is still valid mortgage rating is also valid and accepted - updated rating not required due to unexpired credit report in file. XXXXX is XXXXX XXXXXXX clear thank you for reviewing

 Reviewer 03/25/2025 12:46 PM; Note dated XXXXXXXXXXXX XXXXXXX report dated XXXXXXXXXXXX XXXXXXXXXXXXXXX XXX satisfy condition XXXXX XXXXXXXXX payments need to be verified. XXXXXXXX XXXXX statement reflects XXXXXXXX XXXXXXXXX payment XXXXXXXXXX XXXXXXXX verification XXXXXXXXXXX for XXXXXXXXXX was paid for the month of XXXXXXXXXXX XXXXX
 

 Reviewer 03/25/2025 12:46 PM; Note dated XXXXXXXXXXXX XXXXXXX report dated XXXXXXXXXXXX XXXXXXXXXXXXXXX XXX satisfy condition XXXXX XXXXXXXXX payments need to be verified. XXXXXXXX XXXXX statement reflects XXXXXXXX XXXXXXXXX payment XXXXXXXXXX XXXXXXXX verification XXXXXXXXXXX for XXXXXXXXXX was paid for the month of XXXXXXXXXXX   

 Client 03/25/2025 01:01 PM; updated ldl with condition XXX removed uploaded - this is a XXXXX transaction - purchase the only vom we require is the subject property and in this case its a purchase so the subject property does not have a XXXXXX XXXXXXX clear thank you for reviewing

 Reviewer 03/25/2025 02:49 PM;

03/25/2025     A 1 XXXXXXXXXX MO 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1634433 XXXXXXXXX XXXXXXXXXXXXX 7133467 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. received desk review with value within XXXXXX     03/24/2025     A 1 XXXXXXXXXX MO 3 3 C   A   A   A   N/A N/A C   A     Exempt 1
1634522 XXXXXXXXX XXXXXXXXXX 7133628 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Provide an appraisal review in accordance with XXXXXXXX XXXXXX of the guidelines. Acceptable XXXX in file.      03/21/2025     A 1 XXXXXXXXXX MO 3 13 D   A   D   A   N/A N/A C   A     Exempt 1
1634522 XXXXXXXXX XXXXXXXXXX 7134731 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   Hazard policy in file is expired, please provide the updated policy or review. Information provided     03/26/2025     A 1 XXXXXXXXXX MO 3 13 D   A   D   A   N/A N/A C   A     Exempt 1
1634522 XXXXXXXXX XXXXXXXXXX 7134879 998 XXXXXXXXXX Credit UW Other   UW Other - UW - Title Commitment is missing or requires correction.   Condition XXXXX on the XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXX has not been satisfied.  XXXX XXXXXX XXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXX of XXXXXXXXXX is XXXXXXXXXX and does not match the XXXXX XXXXXXX on the XXXXX of XXXXXXXXXXX Revised XXXXXX XXXXXXXXXXX provided.     03/26/2025     A 1 XXXXXXXXXX MO 3 13 D   A   D   A   N/A N/A C   A     Exempt 1
1634910 XXXXXXXXX XXXXXXXXXX 7135456 846 XXXXXXXXXX Compliance Disclosure   Disclosure - Missing initial disclosure within 3 days of application   Need XXXXX XXXXX XXXXXXXX issued within XX days of XXXXX application date. Information provided     04/01/2025     A 1 XXXXXXXXXX IN 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135264 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The loan is missing the following critical documents XXXX XXXXXXXXXX XXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXXXX / XXXXXXXXX of XXXXXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state XXXX XXXX XXXXXXX for the XXXXXXX XXXX XXXXXX XXXXX in entity name signed by all guarantors XXXX XXXXX XXXX XXXXXX loan approval and XXXX final XXXXXX confirming all construction is completed. XXXX credit review is on hold until all documents have been received. Entity documents received     03/26/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135137 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the XXXXXXXXXXXX XXXXXXXXXX Information provided     03/28/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135138 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. Document received     03/26/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135140 481 XXXXXXXXXX Credit Appraisal   Appraisal - Compliance \ Appraisal - Appraisal Must be "As is"   Appraisal is subject to completion, please provide the completion certificate along with the color photos for review. Information provided     04/03/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135356 258 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal - Completion Certification   Appraisal is subject to completion, please provide the completion certificate along with the color photos for review. Received final inspection and photos     04/02/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634988 XXXXXXXXXX XXXXXXXXXX 7135357 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing final XXXX received XXXX     03/27/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1635019 XXXXXXXXX XXXXXXXXXX 7134780 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   The loan file is missing identification verification and a fraud report for the co-borrower added after the initial application. Acceptable XXXXXX report and photo XXX provided for co-borrower.     03/31/2025     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635051 XXXXXXXXX XXXXXXX 7136118 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     04/17/2025     A 1 XXXXXXXXXX OK 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1635051 XXXXXXXXX XXXXXXX 7136119 895 XXXXXXXXXX Compliance Compliance   Compliance - TRID CD- Need proof CD was received 3 days prior to consummation   Need the initial XXX and proof it was received at least XX days prior to XXXXX closing date. Information provided     04/14/2025     A 1 XXXXXXXXXX OK 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1635051 XXXXXXXXX XXXXXXX 7135045 435 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit report is expired   Please provide an updated credit report dated within XXX days of the closing date, as the current report from XXXXXXXXXXX has expired on XXXXXXXXXXXXX Per XXXXXXXXXXX XXXXXXXXXX was granted by XXXXX and missed by one day. XXXXXXX report shows that open, active accounts with average XXXXXXX months reviewed no delinquencies. XXXXXXX trade XXXXXX closed and open accounts show zero delinquencies. XXXXXX is minimal risk of any drastic change from one-day beyond the granted exception. XXXXXXXXXX    Reviewer 04/04/2025 09:02 PM; X day extension to XXXXXXXXXXX provided.  XXX updated credit report is required because the closing date on XXXXXX XXXXXXXX XXXXXXXXXXX and XXXXX date are XXXXXXXXXXXXX  

 Client 04/14/2025 12:57 PM; X-day XXXXXXXXXX was granted by XXXXX and missed by one day.  XXXXXXX report shows that open, active accounts with average XXXXXXX months reviewed no delinquencies.  XXXXXXX trade XXXXXX closed and open accounts show zero delinquencies.  XXXXXX is minimal risk of any drastic change from one-day beyond the granted exception.

 Reviewer 04/14/2025 04:33 PM;

04/14/2025     A 1 XXXXXXXXXX OK 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1635051 XXXXXXXXX XXXXXXX 7135051 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Guidelines require an exception for the loan amount of XXXXXXXXXX being less than XXXXXXXXXXX the XXXX is greater than XXXX and the XXXX is XXXXX   Compensating XXXXXXXXX  XXXXXXXXXX residence is free and clear and also being retained for a second home; greater than XXX months of reserves.       03/24/2025 B 2 XXXXXXXXXX OK 1 1 D   B   D   B   C   A   A   A     Non-QM 1
1635053 XXXXXXXXXX XXXXXXXXXX 7135025 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided   Reviewer 03/28/2025 10:50 AM; XXXX lock was not provided.  

 04/01/2025     A 1 XXXXXXXXXX VA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635053 XXXXXXXXXX XXXXXXXXXX 7135314 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing the following documentation regarding XXX XXXXXX XXXXXX XXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXX and XXXX XXXX XXXXXXX for the XXXXXXX received XXXX documents     04/02/2025     A 1 XXXXXXXXXX VA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635053 XXXXXXXXXX XXXXXXXXXX 7136163 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide the XXXX # for XXX XXXXXX XXX XXX Received XXXX #     04/08/2025     A 1 XXXXXXXXXX VA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635125 XXXXXXXXXX XXXXXXXXXX 7135334 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The loan file is missing the following critical documents XXXXXXXXXX XXXXXXXXXXXXXXXXXXX of XXXXXXXXXXXXXX XXXXXXXXXXXX of XXXXXXXXXXX XXXXXXXXXXXX of XXXXX XXXXXXXXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other than where business is being performed), XXXXXXXXXXX on all XXXXXXXX with XXXX or more ownership and XXXX XXXXXXX for the XXXXXXXXX XXXX credit review is on hold until documents have been received. Documents provided     03/28/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1635125 XXXXXXXXXX XXXXXXXXXX 7135143 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the personal guaranty. Information provided   Reviewer 04/08/2025 02:41 PM; If loan closes in an XXXX - XXXXX must contain a XXXXXXXXXXX XXXXXXXXXXX - XXXXXXXXXX XXXXXXXXXX must be signed by the same person(s) whose income and assets were used to qualify for the loan. XXXXXXXXX must by signed as an individual not as a manager of the XXXXX

 04/10/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1635125 XXXXXXXXXX XXXXXXXXXX 7135144 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. Docs received     03/29/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1635125 XXXXXXXXXX XXXXXXXXXX 7135145 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the XXXXXXXXX XXXXXXXX affidavit. Information provided     04/08/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1635125 XXXXXXXXXX XXXXXXXXXX 7135147 861 XXXXXXXXXX Credit Note   Note - Other:   Lock reflects that there should be XXX months of XXXXXXXXXXX XXXXXXXXX however the note is missing the XXXX XXXXXXXXXXX XXXXXXX confirm XXXXX Information provided     04/08/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1635133 XXXXXXXXX XXXXXXXXXX 7135254 387 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Taxes and Insurance documentation   The loan file is missing verification of the annual XXXXXXX XXXXXXXXXX XXXXXXXX and XXXXX XXXXX coverage. HOI with rent loss provided.   Client 03/31/2025 12:16 PM;  XXXXXXXXX_EOI - XXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX
* XXXXXXXXX_EOI - XXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXXXXX
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXXXX  XXXXXXXXXX has been uploaded for subject monthly XXXXXXXXX dscr XXXXXXX meets guidelines.   XXXXXXX clear thank you for reviewing

 Reviewer 03/31/2025 12:46 PM;

03/31/2025     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635134 XXXXXXXXX XXXXXXXXXX 7135195 851 XXXXXXXXXX Credit UW Qualifications   UW Qualifications - UW – Exception needed   Guidelines XXXXXXXX XXXXXXX for XXXXXXXXXXXXX XXXXXX do not permit lending if the XXXXXXXXXXXXX XXXXX is located in a XXXXXX  XXXX appraisal form XXXXXX shows the subject property is located in a XXXX and is a XXXXXXXXXXXXX home.   Compensating XXXXXXXXX  XXXX XXXX for program; XXXX-time ownership of the subject property.       03/25/2025 B 2 XXXXXXXXXX CA 3 13 C   B   C   B   N/A N/A A   A     Exempt 1
1636519 XXXXXXXXX XXXXXXXXXXX 7137832 884 XXXXXXXXXX Compliance Compliance   Compliance - Pending Internal completion of compliance fee tests.  Additional conditions may apply.     Information provided     04/22/2025     A 1 XXXXXXXXXX CO 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1636519 XXXXXXXXX XXXXXXXXXXX 7137829 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   XX% tolerance violation of XXXXXXXXX due to increase in recording fee with no valid coc.  XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure.  XXXX must be issued within XXX days of consummation Information provided     04/22/2025     A 1 XXXXXXXXXX CO 1 1 C   A   A   A   C   A   A   A     Non-QM 1
1636775 XXXXXXXXX XXXXXXXXXXXXX 7137083 862 XXXXXXXXXX Credit Deed of Trust/Mortgage   Deed of Trust/Mortgage - Other:   Quitclaim deed changing vesting to individual is not completed on page XX or executed on page XXX Information provided     04/21/2025     A 1 XXXXXXXXXX OH 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1636798 XXXXXXXXXX XXXXXXXXXX 7136647 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing final XXXXX XXXXXXXX rate lock Information provided     04/08/2025     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1636798 XXXXXXXXXX XXXXXXXXXX 7136201 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the operating agreement/articles of incorporation. information provided     04/07/2025     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1636798 XXXXXXXXXX XXXXXXXXXX 7136204 108 XXXXXXXXXX Credit Deed of Trust/Mortgage   Deed of Trust/Mortgage - is missing.   Please provide the deed of trust for review. Information provided     04/08/2025     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1636798 XXXXXXXXXX XXXXXXXXXX 7136424 1055 XXXXXXXXXX Credit Missing Images   Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation   The following documents are missing from the loan file XXXX XXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXXXX / XXXXXXXXX of XXXXXXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXX XXXXXXXXXX XXXX XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXX to operate in the state (if entity is formed in a state other that where business is being performed), XXXX XXXXX lock agreement, XXXX XXXX XXXXXXX for the XXXXXXXX XXXX  XXXXXX XXXXX in entity name signed by all guarantors. XXXX credit review is on hold until documents are received. Missing documents received.       04/05/2025     A 1 XXXXXXXXXX FL 3 1 D   A   D   A   N/A N/A A   A     Exempt 1
1636945 XXXXXXXXXX XXXXXXXXXX 7136808 321 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit - Insufficient   Missing one of the following credit reference requirements for a XXXXXXXX XXXXXXXXX borrower XXXX XX XXX credit report with at least two tradelines with a minimum age of two years for one tradeline, or XXXX XXX international credit report, or XXXX XXX original credit reference letter from an internationally known financial institution. XXXXXX reference letter does not need to include details or payment histories of debt obligations located outside of the XXXX or XXXX XX XXXX statement documenting a foreign financial banking relationship for the past XXXXXXXXX XXXX XXXXXXXX balances must be verified in XXXX equivalency at the current exchange rate via either www.xe.com or the XXXX conversion table. XXXXX statements in any language other than XXXXXXXX must be translated into XXXXXXXXX Reference XXXXXXX from XXXXXXXXXXX provided.   Reviewer 04/17/2025 12:15 PM; Received: XX XXXX statement documenting a foreign financial banking relationship for the past XXXXXXXXX XXXX not receive any of the additional items listed.

 Client 04/18/2025 02:21 PM; reference letter was uploaded  XXX

 Reviewer 04/18/2025 03:18 PM;

04/18/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1636945 XXXXXXXXXX XXXXXXXXXX 7136809 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing rate lock from XXXXX XXXXXXX Rate XXXXX provided      04/17/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1636945 XXXXXXXXXX XXXXXXXXXX 7136918 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Loan application for XXXXXXX XXXXX XXXX was not provided. Loan application provided     04/17/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1636946 XXXXXXXXXX XXXXXXXXXX 7136824 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing XXXXX XXXXXXXX rate lock confirmation Received lock confirmation     04/16/2025     A 1 XXXXXXXXXX NJ 1 1 C   A   C   A   A   A   A   A     Non-QM 1
1637237 XXXXXXXXX XXXXXXXXXXXXX 7137205 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Copy of note for current loan with XXXXXXXXXXXXX XXXXXXXX XXXXXXXXX XXXXXX XXXXXX XXXXX met guidelines. XXX note is a balloon, it must not be past due date. Copy of note is not needed nor required – per pay history in file XXXXXXXX payment is XXXXXXXXX –borrower made payment each month – copy of note will not change this outcome    Client 04/28/2025 11:57 AM; Copy of note is not needed nor required – per pay history in file XXXXXXXX payment is XXXXXXXXX –borrower made payment each month – copy of note will not change this outcome XXXXXXX clear thank you for reviewing

 Reviewer 04/28/2025 12:27 PM;

04/28/2025     A 1 XXXXXXXXXX OK 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1637237 XXXXXXXXX XXXXXXXXXXXXX 7137206 272 XXXXXXXXXX Valuation UW Collateral   UW Collateral - UW - Appraisal Other   Third party contractor XXXXXXXXXXXX and proof of costs to remodel property missing from file. XXXX guidelines, XXXXXX third party contractor documentation required. XXX determined by original sales XXXXX and actual costs to improve the property. XXXXXXXXXXX purchased XXXX months - value is based on original purchase prive   documented receipts for improvements (page XXX of guidleines). XXXXXXXXX purchase XXXXX XXXXXXXX   documented costs =   . XXXX documentation in file is an estimated cost XXXXXXXX from the XXXXXXXXXXX XXXXXXXXX not provided. XXXXXX the documentation in file, the XXX is XXXXXXXXXXX Per page XXX guideline XXXXXXXXX interpretation: XXXX XXXXXXXXXXXX has discretion to determine if the capital improvements warrant an increase to value. XXXX XXXXXXXXX is aXXXX since XXXXX by completing the repairs himself he was able to do the remodel at cost without any markups and reduced the total cost of the remodel substantially. XXXX remodel work completed by XXXXXXXX XXXXXXXXXXX was validated and confirmed by an independent XXXX party, the appraiser who confirmed the property had been recently remodeled and updated. XXX deemed this sufficient to accept the value at XXXXXXXX which is also supported by desk review in file.    Client 04/28/2025 12:25 PM; Per page XXX guideline XXXXXXXXX interpretation: XXXX XXXXXXXXXXXX has discretion to determine if the capital improvements warrant an increase to value. XXXX XXXXXXXXX is a XXXX since XXXXX by completing the repairs himself he was able to do the remodel at cost without any markups and reduced the total cost of the remodel substantially.  XXXX remodel work completed by XXXXXXXX XXXXXXXXXXX was validated and confirmed by an independent XXXX party, the appraiser wh

 Reviewer 04/28/2025 12:43 PM;

04/28/2025     A 1 XXXXXXXXXX OK 3 13 C   A   C   A   N/A N/A C   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113423 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Must receive approval for gift funds from cousins. XXXX listed as approved sources for gifts in guideline XXXXXXXX XXXXXX received XXX   Reviewer 10/30/2024 05:13 PM; Please see XXXXX XXXXX XXXXX XXXXXXX XXXXXXXXXXX donors does not include XXXXXXX

 Client 11/05/2024 06:17 PM; While XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower.

 Reviewer 11/06/2024 09:13 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:13 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:38 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:38 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:52 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:52 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/06/2024 09:52 AM; Per XXXXXX while XXXXXXXX are not on the list, they are considered family and generally acceptable gift donors, provided the minimum contribution (greater of XXXX or XXXXXXXX is met by the borrower. XXXXX verification of borrower funds is still outstanding pending large deposit validation. XXXXX verified, the condition can be cleared.

 Reviewer 11/26/2024 02:02 PM; the XXXX accounts with XXXXXX and XXXXXXX are in borrower''''s name and not the business name.  XXXXXXXX XXXX for the large deposits directly from the borrower.

 12/03/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1625986 XXXXXXXXXXXXX XXXXXXXXXXXXX 7113426 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Missing evidence that the borrower meets the requirement to contribute a portion of their own sourced and seasoned funds to the transaction of the larger of (a) XXXX of the purchase XXXXX or (b) XXXXXXXXXX received XXX   Reviewer 10/30/2024 05:45 PM;  borrower''''s personal XXXX accounts reflects various deposits of over XXXXXXXXXX from XXXXX through XXXXXXXXXX XXXXX which may affect the contribution requirement. XXXXXXXX explanation and or documentation of these deposits

 Reviewer 11/06/2024 01:39 PM; Per lender: XXX the borrower had about XXXXXX at end of XXXXXXXXXX and their minimum contribution is XXXX / XXXXXXXXXX then in addition to identifying the remaining gifts, at least XXXXXX of the deposits made in XXXXXXXXXX need to be sourced to the borrower.

 Reviewer 11/26/2024 02:09 PM; the XXXX accounts with XXXXXX and XXXXXXX are in borrower''''s name and not the business name. XXXXXXXX XXXX for the large deposits directly from the borrower.

 12/03/2024     A 1 XXXXXXXXXX AR 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1627778 XXXXXXXXX XXXXXXXXX 7120041 320 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Asset Other   Borrower is short funds to close. XXXXXX to close per closing disclosure XXXXXXXXXXXXXXX XXXXXXXXX funds XXXXXXXXXXXXXXX b XXX a XXXXXXX was not verified. Additional assets provided meet requirements   Client 11/25/2024 07:35 PM; Revised asset summary uploaded.  XXXXX assets approved.  at this XXXXX borrower does not need to XXXXXXX assets, only disclose source.  XXXXX inclusion of XXXXX assets, shortage is less than XXX of loan amount and within XXX discretion to approve.  XXXXXXXXX is not a XXXXXX time buyer or investor, works in construction trade, this transaction is deemed a lower risk.

 Reviewer 11/26/2024 04:55 AM;

11/25/2024     A 1 XXXXXXXXXX VA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1628031 XXXXXXXXX XXXXXXXXX 7119374 336 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Income Other   Satisfactory evidence borrower owns XXXXX of business and has been in business for at least XX years CA XXXX filing from XXXXX and XXX secretary of state search uploaded showing borrower is XXXXX owner provided.   Client 11/15/2024 11:26 AM; Please ca secretary of state filing from XXXXX and XXX secretary of state search uploaded showing borrower is XXXXX owner. XXXXXX you!

 Reviewer 11/15/2024 12:26 PM;

11/15/2024     A 1 XXXXXXXXXX ID 1 13 C   A   C   A   C   A   C   A     Non-QM 1
1628876 XXXXXXXXXX XXXXXXXXXX 7121484 1024 XXXXXXXXXX Credit UW Assets   UW Assets - UW - Gift Receipt   Spouse (co owner) gift letter of XXXXXXXXXX not sufficient total assets of XXX XXXXXXX and XXXXXX gift letter provided for XXXXXXXX the additional gift at closing for wire XXXXXXXXXXX and the XXXXXXXXX check XXXXXXXXXX for a total of XXXXXXXXXXX does not match gift letter provided of XXXXXXXXXXXX  XXXXX the total receipt of gift funds required will need to be broken out on XXX as gift funds unless assets were not provided. CD XXXXX XXXXXXXXXXXX XXXX lines XXXXXX    Reviewer 12/10/2024 10:29 AM; The total gift from spouse, XXXXXXX XXXXX was XXXXXXXXXX XXXXXXXXXXXX and XXXXXXXXXX according to wires provided. XXXXXX XXXXXX on XXXXXX from borrower XXXXXX XXXXXX accounts = XXXXXXXXXX (balances XXXXXXXXXX XXXXXXX on XXXXX and XXXXXXX XXXXXXXXX on XXXXXXXXXXXXXXXXX XXXXXXXX the XXX that reflects "gift" of XXXXXXXXXX and XXXXXXXXX

 Reviewer 12/11/2024 11:07 AM; The document provided did not reflect the funds of XXXXXXXXXXX XXXXXXXX and XXXXXX as gift funds.

 12/12/2024     A 1 XXXXXXXXXX TX 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121747 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Loan must contain the XXXXX XXXXX confirmation. Information provided   Reviewer 12/10/2024 08:58 AM; XXXX lock not provided

 Reviewer 12/12/2024 08:56 AM; Document uploaded is not the XXXXX lock confirmation.  XXXXX the XXXXX lock

 12/13/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629159 XXXXXXXXXX XXXXXXXXXX 7121916 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Provide XXXXX XXXXX XXXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. XXXX XXXXX provided.   Reviewer 12/09/2024 06:15 PM; the document provided is not the XXXXX XXXXX confirmation form

 Reviewer 12/11/2024 05:27 PM; the document provided is not the XXXXX XXXXX confirmation form.  the XXXXX lock will reflect on the top left of XXXXX XXXXXXXXXXXXX XXXX

 12/12/2024     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1629339 XXXXXXXXX XXXXXXX 7123788 868 XXXXXXXXXX Credit Hazard Insurance   Hazard Insurance - Other:   File is missing the XXXXXXXXXX XXXXXXXXXX XXXXXXX XXXXXXXXXXXXXX Information provided   Reviewer 01/02/2025 10:07 AM; Windstorm policy has not been provided.  XXXX an XXXXXXX of insurance coverage"  XXXXX XXXXXXXXXXX sheet

 01/08/2025     A 1 XXXXXXXXXX TX 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629339 XXXXXXXXX XXXXXXX 7122162 384 XXXXXXXXXX Credit UW Income/Employment   UW Income/Employment - UW - Self-Employment status required   Satisfactory evidence borrower has been self employed for at least XX years Original articles from XXXXX and subsequent amendments filed in XXXXX uploaded to support borrower has been self-employed for XX years.   Client 12/10/2024 03:38 PM; Original articles from XXXXX and subsequent amendments filed in XXXXX uploaded to support borrower has been self-employed for XX years - thank you for reviewing :)

 Reviewer 12/10/2024 05:12 PM;

12/10/2024     A 1 XXXXXXXXXX TX 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1629424 XXXXXXXXX XXXXXXXXXXXXX 7122257 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Satisfactory existing lease on subject for XXXXXXX monthly being used for XXXXX calculation Lease in file is for XXXXXXXXX XXXXXX XXXXXXX rents XXXXXXXXXXXX   Client 12/27/2024 05:08 PM; Lease in file is for XXXXXX

 Reviewer 12/29/2024 05:36 PM; Condition has been reviewed. XXX

 12/29/2024     A 1 XXXXXXXXXX GA 3 13 C   B   C   B   N/A N/A C   A     Exempt 1
1629858 XXXXXXXXX XXXXXXXXXX 7122995 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Supply satisfactory updated XXXX statement worksheet from XXXXXXXXXXXX deducting deposits for co borrower XXX hairstylist income not being used in repayment. XXXXXX XXXXX ownership and no XXXXX Income work sheet provided.   Client 12/20/2024 06:06 PM; income sheet uploaded to file - the XXXX account is a personal XXXX account and account was treated as a personal account per guideline no deductions thank you for reviewing :)

 Reviewer 12/23/2024 05:12 AM; Condition has been reviewed. XXXXXX you

 12/23/2024     A 1 XXXXXXXXXX CT 1 1 C   A   C   A   A   A   C   A     Non-QM 1
1630334 XXXXXXXXXX XXXXXXXXXX 7124255 861 XXXXXXXXXX Credit Note   Note - Other:   Note has incorrect X Information provided   Reviewer 01/06/2025 09:03 AM; Escalated for review

 Reviewer 01/07/2025 11:15 AM; need all pages of corrected note (note must be executed)

 01/09/2025     A 1 XXXXXXXXXX NJ 3 13 C   A   C   A   N/A N/A A   A     Exempt 1
1633458 XXXXXXXXXXXXX XXXXXXXXXXXXX 7130833 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Credit XXXXXXXXXXXXX missing from file XXX XXXXXXX XXXXXXXX an XXXXXXXXXXXXXX credit report, original credit reference letter from an internationally known financial institution or XXX days of XXXX statements documenting a foreign financial banking relationship. received additional statement for XXXXX XXXXX XXXXX XXXXXXX XXXXXX    Reviewer 03/03/2025 06:41 PM; Did not receive credit report documentation

 Client 03/06/2025 12:39 PM; XXXX statements to satisfy this requirement may be foreign or XXXXXXX based.   XXX additioanl statement for XXXXX XXXXX XXXXX XXXXXXX would be sufficient.

 Reviewer 03/06/2025 02:43 PM;

 Reviewer 03/06/2025 02:43 PM; Per XXXXXX XXX additional statement for XXXXX XXXXX XXXXX XXXXXXX would be sufficient in lieu of deposits being sourced.

 Reviewer 03/06/2025 04:14 PM; Per XXXXXX XXX additional statement for XXXXX XXXXX XXXXX XXXXXXX would be sufficient for credit reference

 03/25/2025     A 1 XXXXXXXXXX TX 3 1 C   B   C   B   N/A N/A A   A     Exempt 1
1633869 XXXXXXXXXX XXXXXXXXXX 7133220 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Credit requirements for XXX not met. XXXXXXXXXXX require XXX XXXXXXX XXXXXXXX XXXXXXXXXXXXXX XXXXXXX XXXXXXXX XXXXXXXXX credit letter from an XXXXXXXXXXXXXXXX known financial institution or XXXX statements covering XXX days documenting a foreign banking relationship for the past XXX days XXXXXX XXX XXXXXX Received additional documentation to clear the condition   Reviewer 03/19/2025 08:26 PM; The document received are XXXX statements from XXX XXXX XXXXXXXXX with a XXXXXXXXX address

 Reviewer 03/20/2025 04:39 PM; Provide evidence that XXXXXXXXX is headquartered outside the XXXX

 Reviewer 03/23/2025 08:12 PM; Provide documentation of XXXXXXXXX having international recognition.

 03/24/2025     A 1 XXXXXXXXXX FL 3 1 C   A   C   A   N/A N/A C   A     Exempt 1
1634522 XXXXXXXXX XXXXXXXXXX 7134880 330 XXXXXXXXXX Credit UW Credit   UW Credit - UW - Credit Other   Missing verification of the following mortgages are current month of closing in accordance with condition XXXXX of the XXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXX  XXXX XXXXXXXXX and XXXXXXXXX XXXXXXXX XXXX XXXXXXXXXXX Per updated guidelines, XXXXXXX report in file is still valid mortgage rating is also valid and accepted - updated rating not required due to unexpired credit report in file.      Client 03/25/2025 11:25 AM; Credit report in file is still valid mortgage rating is also valid and accepted - updated rating not required due to unexpired credit report in file.

 Reviewer 03/25/2025 02:48 PM;

03/25/2025     A 1 XXXXXXXXXX MO 3 13 D   A   D   A   N/A N/A C   A     Exempt 1
1635019 XXXXXXXXX XXXXXXXXXX 7135481 72 XXXXXXXXXX Credit Closing Package   Closing Package -    Please provide the XXXXXXXXX XXXXXXXXX for review. Information provided   Reviewer 04/01/2025 10:59 AM; Personal XXXXXXXXX is not for this property.  XXXXXXXXXXX remains open

 Client 04/01/2025 01:27 PM; PG is uploaded on  XXXXX - names match guarantors

 Reviewer 04/01/2025 01:54 PM;

 Client 04/01/2025 03:26 PM; The document uploaded yesterday was missing the pages of the XXXXXXXXX XXX XXXXX so that must be what this is talking about. XXXXX re-uploaded the document with all pages. 



 Reviewer 04/01/2025 04:02 PM;

 Reviewer 04/01/2025 04:16 PM; PG in file is signed as member - must be signed as individual

 Reviewer 04/01/2025 04:17 PM; Hello
XXXX XXX needs to be signed as individual, the XXX uploaded is signed as member.  XXXXXXXXX on the deficiency have been updated.

XXXXXX

 Client 04/01/2025 04:26 PM; It is signed as individuals you can see their names printed on their signature lines, it includes their titles at their company XXXXXXXXXX  not "member"

 Reviewer 04/01/2025 05:03 PM;

 Reviewer 04/01/2025 05:03 PM;

 Reviewer 04/02/2025 12:27 PM; Hello
XXXX XXX signature reflects the XXXXX it is signed exactly the same as the XXXXX and XXXXXXX  XXX needs to be signed as individual.

XXXXXX

 04/16/2025     A 1 XXXXXXXXXX CA 3 1 C   A   C   A   N/A N/A A   A     Exempt 1
1635051 XXXXXXXXX XXXXXXX 7136120 898 XXXXXXXXXX Compliance Compliance   Compliance - TRID- Fee Tolerance Violation   Loan is failing XXX tolerance for the addition of a XXXXXXXXXXXXXX fee in XXXX XX of the final XXXXX  XXXXXXXXXX amount is XXXXXXXX  XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation. Information provided   Reviewer 04/14/2025 03:20 PM; No documentation provided

 04/17/2025     A 1 XXXXXXXXXX OK 1 1 D   B   D   B   C   A   A   A     Non-QM 1