Exhibit 99.33
| Seller | Loan ID | Seller Loan ID | Alt Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXXXXXX | XXXX | 1969253 | Closed | 2024-12-11 15:16 | 2025-03-31 16:34 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. - Buyer-12/11/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements 1) Evidence that undisclosed property is owned free and clear and 2) Evidence of taxes and insurance on same property. - Due Diligence Vendor-12/11/2024 |
Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-12/12/2024 |
XXXXXXXX - XXXX XXXX XXXXX XXX - Owned By LLC.pdf | XX | Second Home | Purchase | NA | 2980700 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 1969253 | Closed | 2024-12-11 18:20 | 2024-12-12 21:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence that REO1 Property is Owned Free and Clear | Resolved-Lender provided documentation property owned in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. - Buyer-12/11/2024 Open-Missing Evidence that REO1 Property is Owned Free and Clear Per Letter of Explanation for addresses and Driver's License, borrower owns another property owned free and clear, however, documentation is missing from the loan file. - Due Diligence Vendor-12/11/2024 |
Resolved-Lender provided documentation property owned in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 |
XXXXXXXX- REO Property1.pdf | XX | Second Home | Purchase | NA | 2983906 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 1969253 | Closed | 2024-12-11 18:34 | 2024-12-12 20:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Occupancy LOI/LOE | Resolved-Lender provided LOX and proof of ownership in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. - Seller-12/11/2024 Open-Missing Occupancy LOI/LOE Borrower and Lender to address occupancy of subject property. The borrower already owns a second home in the same area (address listed on the Driver's License) which was purchased on XX/XX/XXXX for $XXXXX unencumbered while subject property is worth $XXXXX. Additionally, borrower also owns another investment in the same area purchased XX/XX/XXXX. - Due Diligence Vendor-12/11/2024 |
Ready for Review-Document Uploaded. - Seller-12/11/2024 |
Resolved-Lender provided LOX and proof of ownership in LLC, finding resolved. - Due Diligence Vendor-12/12/2024 |
XXXXXXXX - XXXX XXXX XXXXX XXX - LOE.pdf XXXXXXXX - XXXX XXXX XXXXX XXX- Owned By LLC.pdf |
XX | Second Home | Purchase | NA | 2984139 | N/A | N/A | |||
| XXXXXXXX | XXXX | 1969253 | Closed | 2024-12-11 15:20 | 2024-12-12 20:42 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Property held in LLC, finding resolved - Due Diligence Vendor-12/12/2024 Ready for Review-Document Uploaded. - Buyer-12/11/2024 Open-Missing evidence of taxes and insurance for undisclosed property (address listed on Letter of Explanation and Driver's License). - Due Diligence Vendor-12/11/2024 |
Resolved-Property held in LLC, finding resolved - Due Diligence Vendor-12/12/2024 |
XXXXXXXX - XXXX XXXX XXXXX XXX - Owned By LLC.pdf | XX | Second Home | Purchase | NA | 2980764 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 12:41 | 2025-06-12 19:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/30/2025 Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing payment confirmation for the month of April 2025 of interest payment of $833.33 against 2nd lien on subject property. - Due Diligence Vendor-05/20/2025 |
Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/30/2025 Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4189400 | N/A | N/A | |||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 Ready for Review-COC for discount points uploaded - Due Diligence Vendor-05/29/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Discount points increased on the CD dated 05/09/2025 without a valid COC. No Cure. - Due Diligence Vendor-05/20/2025 |
Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 |
2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4190281 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:01 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 Ready for Review-COC uploaded - Due Diligence Vendor-05/29/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects a Discount Points of $0. Post-Closing CD dated XX/XX/XXXX reflects a Discount points of $16070.40. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $16070.40 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-05/20/2025 |
Resolved-COC and revised LE dated XX/XX/XXXX were provided, increase in Discount Points was due to rate lock. Condition cleared. - Due Diligence Vendor-05/30/2025 |
2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4190280 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 13:48 | 2025-05-30 12:00 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD dated XX/XX/XXXX was provided. Initial CD timing requirements were met. Condition cleared. - Due Diligence Vendor-05/30/2025 Ready for Review-Inital CD upoaded - Due Diligence Vendor-05/29/2025 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-05/20/2025 |
Resolved-Initial CD dated XX/XX/XXXX was provided. Initial CD timing requirements were met. Condition cleared. - Due Diligence Vendor-05/30/2025 |
2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4190279 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 13:21 | 2025-05-30 11:59 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Lender provided revised LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/30/2025 Ready for Review-LE dated XX/XX/XXXX uploaded - Due Diligence Vendor-05/29/2025 Open-Missing last loan estimate dated XX/XX/XXXX as per compliance document and Instructions to Escrow/Title/Closing Agent available in the file. - Due Diligence Vendor-05/20/2025 |
Resolved-Lender provided revised LE dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/30/2025 |
2549002VH9C0PKB8K1532502002262221_Untitled_20252905171834_XXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4189868 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 12:41 | 2025-05-28 11:29 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing payment confirmation for the month of April 2025 of interest payment of $833.33 against 2nd lien on subject property. - Due Diligence Vendor-05/20/2025 |
Resolved-Evidence of 04/2025 payment was provided. Condition cleared. - Due Diligence Vendor-05/28/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4189399 | N/A | N/A | |||||
| XXXXXXXX | XXXX | 2036785 | Closed | 2025-05-20 12:50 | 2025-05-20 12:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2025 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/20/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4189482 | Investor Post-Close | No | |||||
| XXXXXXXX | XXXX | 2036793 | Closed | 2025-05-20 14:07 | 2025-07-08 20:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Please read prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 Ready for Review-REO1 (XXXX XXXXXXXXXXXX XXX) in not in the borrower's name. It's in an LLC so borrower is not obligated to show proof of 12 months housing history. REO2 (XXXXX XXX XXXXXXXX XX) will also not reflect 12 months history because Property Profile provided shows that they took it over XX/XX/XXXX which is where the credit supplement show the 9 months history. Credit supplement also shows due for May 2025, so March has been paid. Please re-review items sent and clear. - Due Diligence Vendor-05/28/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/27/2025 Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025 Counter-Documentation provided shows ownership from XXXX and credit supplement provided shows 9 months reporting. Guidelines require 12 months housing history, finding maintained. - Due Diligence Vendor-05/22/2025 Ready for Review-REO 1 - XXXX XXXXXXXXXXXX XXX borrower not obligated on mortgage in name of LLC - Due Diligence Vendor-05/21/2025 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing VOM/VOR for REO 1 property to verify the 12 months housing history. Missing updated history for REO 2 reflecting March payment. Additional conditions may apply. - Due Diligence Vendor-05/20/2025 |
Resolved-Please read prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-05/27/2025 Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025 |
549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXXX.pdf 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXXX.pdf |
XX | Primary Residence | Purchase | NA | 4190582 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036793 | Closed | 2025-05-20 14:06 | 2025-07-08 20:33 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Please review prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 Ready for Review-REO2 (XXXXX XXX XXXXXXXX XX) will also not reflect 12 months history because Property Profile provided shows that they took it over XX/XX/XXXX which is where the credit supplement show the 9 months history. Credit supplement also shows due for May 2025, so March has been paid. Please re-review items sent and clear. - Due Diligence Vendor-05/28/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/27/2025 Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/27/2025 Counter-Documentation provided shows ownership from XXXX and credit supplement provided shows 9 months reporting. Guidelines require 12 months housing history, finding maintained. - Due Diligence Vendor-05/22/2025 Ready for Review-REO 1 - XXXX XXXXXXXXXXX XXX borrower not obligated on mortgage in name of LLC REO 2 - See attached credit supplement showing paid - Due Diligence Vendor-05/21/2025 Open-Housing History Does Not Meet Guideline Requirements Missing VOM/VOR for REO 1 property to verify the 12 months housing history. Missing updated history for REO 2 reflecting March payment. Additional conditions may apply. - Due Diligence Vendor-05/20/2025 |
Resolved-Please review prior comments. This condition was cleared on 05/27. - Due Diligence Vendor-05/29/2025 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-05/27/2025 Resolved-Lender states Mtg History not required on LLC and provided updated credit report for REO2 which is 9 months - opened 7/2024. Condition cleared. - Due Diligence Vendor-05/27/2025 |
549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXX.pdf 549300F8C5JA44WNMI75452064540508_Credit - Credit Supplements_20251404153839_XXXXXXX.pdf |
XX | Primary Residence | Purchase | NA | 4190562 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036793 | Closed | 2025-05-20 15:02 | 2025-05-29 16:56 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Disclosure tracking received. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Disclosre Tracking has been uploaded directly to condition on the site. - Due Diligence Vendor-05/29/2025 Counter-Document Uploaded. - Seller-05/29/2025 Counter-Disclosure Tracking not found. Please re-upload. Condition retained. - Due Diligence Vendor-05/29/2025 Ready for Review-Please see attached dislosure tracking details. - Due Diligence Vendor-05/28/2025 Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date. - Due Diligence Vendor-05/20/2025 |
Resolved-Disclosure tracking received. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXXXX Disc..pdf | XX | Primary Residence | Purchase | NA | 4191421 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036793 | Closed | 2025-05-20 15:46 | 2025-05-29 16:54 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Statement provided. Finding resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Mortgage statement has been uploaded directly to condition on the site. | Mortgage statement has been uploaded to site. - Due Diligence Vendor-05/29/2025 Counter-Document Uploaded. - Buyer-05/29/2025 Counter-Mortgage statement not found. Please re-upload. Condition retained. - Due Diligence Vendor-05/29/2025 Ready for Review-I did not provide a supplement for this condition. Please re-review mortgage statement that was sent. It specificly lists the PITI breakdown on the mortgage statement. | Per Mortgage statement provided from XXXXXXX the $X,XXX.XX includes the Principal, Interest, Taxes, and Insurance. - Due Diligence Vendor-05/28/2025 Counter-Lender provided credit supplement to verify mortgage on REO 3b is current. The finding is for proof that the payment of $X,XXX.XX is inclusive of T/I which the credit supplement does not provide/confirm. Condition retained. - Due Diligence Vendor-05/28/2025 Counter-Credit supplement does not provide data as to payment including escrows, finding maintained. - Due Diligence Vendor-05/22/2025 Ready for Review-Please see attached statement for confirmation - Due Diligence Vendor-05/21/2025 Open-Missing mortgage statement for REO 2 property (to verify PITI). Additional conditions may apply. - Due Diligence Vendor-05/20/2025 |
Resolved-Statement provided. Finding resolved. - Due Diligence Vendor-05/29/2025 |
XXXXXX Mtg Stmt.pdf | XX | Primary Residence | Purchase | NA | 4192474 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036794 | Closed | 2025-05-30 05:48 | 2025-05-30 16:23 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/30/2025 | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/30/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4277831 | Investor Post-Close | No | |||||
| XXXXXXXX | XXXX | 2036794 | Closed | 2025-05-30 04:21 | 2025-05-30 04:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2025 | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4277561 | Investor Post-Close | No | |||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 20:29 | 2025-05-27 18:13 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/16/2025 Ready for Review-there are also checks there to source the large deposits - Due Diligence Vendor-05/15/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 Ready for Review-See additinal asets - Due Diligence Vendor-05/14/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month(s). - Due Diligence Vendor-05/12/2025 |
Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-05/16/2025 |
254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | 4119829 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 19:37 | 2025-05-27 18:09 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-CPA letter dated 5/1/2025 received verifying current self-employment of 17 years. Finding resolved. - Due Diligence Vendor-05/19/2025 Ready for Review-CPA letter - Due Diligence Vendor-05/19/2025 Counter-Bank statements are not acceptable verification of self-employment. Per Guidelines section 7.4.2.1, verification of existence of the business may be done with the following: a letter from either the business tax professional, regulator agency or licensing bureau and either a phone listing or business address using directory assistance or an internet search. Documents provided were obtained post-close which require an exception. Condition retained. - Due Diligence Vendor-05/16/2025 Ready for Review-There are 13 months bankstatement most recent full bank statement is April 2025 which shows the busniess is active along with the source of large deposits that are all made out the Business name. We additionally included the LEXIS NEXIS, Secretary of State business search, google. - Due Diligence Vendor-05/16/2025 Counter-Documentation to verify self-employment (internet search, Secretary of State and Lexis Nexis) are dated XX/XX/XXXX and XX/XX/XXXX which is after the Note date of XX/XX/XXXX. Condition retained. - Due Diligence Vendor-05/16/2025 Ready for Review-See updated search of the secretary of state and Lexis Nexis. - Due Diligence Vendor-05/15/2025 Counter-Letter from either the business tax professional or licensing bureau certifying two years of employment missing, finding maintained. - Due Diligence Vendor-05/14/2025 Ready for Review-- - Due Diligence Vendor-05/14/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/12/2025 |
Resolved-CPA letter dated 5/1/2025 received verifying current self-employment of 17 years. Finding resolved. - Due Diligence Vendor-05/19/2025 |
254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf 254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf 254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf 254900XMP0QEM5UBSP98100000729095_Income - Verbal Verification of Employment_20251405171759_4119074.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | 4119074 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 20:42 | 2025-05-16 17:24 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-Audited Reserves of 7.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/16/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 Ready for Review-additional assets - Due Diligence Vendor-05/14/2025 Open-Audited Reserves of 2.91 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/12/2025 |
Resolved-Bank statement dated 04/30/2025 and print-out up to XXXX closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-Audited Reserves of 7.58 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/16/2025 |
254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | 4120007 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 20:29 | 2025-05-16 17:24 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Bank statement dated 04/30/2025 and print-out up to 05/07/2025 closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $96883.37 is equal to or greater than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/16/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Ready for Review-Understand that bank statement runs past closing date but prior to the closing of XX/XX/XXXX borrower had a deposit on 5/6/25 which is enough to covered the required reserves. - Due Diligence Vendor-05/15/2025 Counter-Asset documentation provided is dated post close, credit exception with valid compensating factors required. - Due Diligence Vendor-05/14/2025 Ready for Review-additional assets - Due Diligence Vendor-05/14/2025 Open-Total Qualified Assets for Reserves Post-Close of $37180.26 is less than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/12/2025 |
Resolved-Bank statement dated 04/30/2025 and print-out up to XXXX closing date was provided, large deposits sourced. Sufficient reserves verified, condition cleared. - Due Diligence Vendor-05/16/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $96883.37 is equal to or greater than Total Required Reserve Amount of $76677.78 - Due Diligence Vendor-05/16/2025 |
254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_1_20251405192626_XXXXXXX.pdf 254900XMP0QEM5UBSP98100000729095_Assets - Bank Statements_20251505154337_XXXXXXX.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | 4119828 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 21:05 | 2025-05-16 17:05 | Resolved | 1 - Information | Compliance | Missing Doc | Required Compliance Documentation is Missing | Resolved-Disclosure Tracking was provided - all LEs and CDs were in the loan file. Condition cleared. - Due Diligence Vendor-05/16/2025 Ready for Review-This is the disclsoure tracking for this NDC - Due Diligence Vendor-05/15/2025 Open-Provide disclosure tracking which includes Application date with all Loan Estimates and Closing Disclosures provided to borrower(s) with Initial Disclosure Date and Received date - Due Diligence Vendor-05/12/2025 |
Resolved-Disclosure Tracking was provided - all LEs and CDs were in the loan file. Condition cleared. - Due Diligence Vendor-05/16/2025 |
254900XMP0QEM5UBSP98100000729095_Disclosure - e-Consent_20251505192841_XXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4120310 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036789 | Closed | 2025-05-12 19:55 | 2025-05-13 15:37 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/12/2025 |
Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/12/2025 |
XX | Primary Residence | Refinance | Cash Out - Other | 4119362 | Investor Post-Close | No | |||||
| XXXXXXXX | XXXX | 2027355 | Closed | 2025-05-21 13:18 | 2025-05-22 15:45 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $40316.95 is equal to or greater than Total Required Reserve Amount of $35554.98 - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/22/2025 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $35554.98. - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/22/2025 |
Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $40316.95 is equal to or greater than Total Required Reserve Amount of $35554.98 - Due Diligence Vendor-05/22/2025 |
4850 20K.pdf 4850 85K.pdf 8311 85K.pdf |
XX | Investment | Purchase | NA | 4202418 | N/A | N/A | |||
| XXXXXXXX | XXXX | 2027355 | Closed | 2025-05-21 14:04 | 2025-05-22 15:45 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Seller-05/22/2025 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $722,170.37 less cash to close of $681,953.42 and less unverified EMD of $190,000 results in $149,683.05 shortage of funds to close. - Due Diligence Vendor-05/21/2025 |
Ready for Review-Document Uploaded. - Seller-05/22/2025 |
Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-05/22/2025 |
4850 20K.pdf 8311 85K.pdf 4850 85K.pdf |
XX | Investment | Purchase | NA | 4203049 | N/A | N/A | |||
| XXXXXXXX | XXXX | 2027355 | Closed | 2025-05-21 13:42 | 2025-05-22 15:44 | Resolved | 1 - Information | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Audited Reserves of 3.4 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/22/2025 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 3.4 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-05/21/2025 |
Resolved-Proof of earnest money received; therefore, assets were sufficient for closing costs and reserves. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Audited Reserves of 3.4 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-05/22/2025 |
4850 20K.pdf 8311 85K.pdf 4850 85K.pdf |
XX | Investment | Purchase | NA | 4202763 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2027355 | Closed | 2025-05-21 13:35 | 2025-05-22 15:26 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Evidence of hazard insurance premium was received. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 Ready for Review-Document Uploaded. - Buyer-05/21/2025 Open-Hazard Insurance Policy Partially Provided Evidence of hazard insurance premium is missing. - Due Diligence Vendor-05/21/2025 |
Resolved-Evidence of hazard insurance premium was received. Condition cleared. - Due Diligence Vendor-05/22/2025 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-05/22/2025 |
HOI.pdf | XX | Investment | Purchase | NA | 4202649 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 1995586 | Closed | 2025-02-03 19:39 | 2025-07-08 20:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/06/2025 Ready for Review-This loan has not closed yet, so there is no Note - Buyer-02/05/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The file is missing the Note for property REO 3a on final application. Property was recently refinanced. - Due Diligence Vendor-02/03/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/06/2025 |
XX | Primary Residence | Purchase | NA | 3339188 | N/A | N/A | |||||
| XXXXXXXX | XXXX | 1995586 | Closed | 2025-02-04 11:40 | 2025-02-06 15:31 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Ready for Review-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Ready for Review-This loan has not closed yet, so there is no Note - Buyer-02/05/2025 Open-The file is missing the Note for property REO 3a on final application. Property was recently refinanced. - Due Diligence Vendor-02/04/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 |
XX | Primary Residence | Purchase | NA | 3343347 | N/A | N/A | |||||
| XXXXXXXX | XXXX | 1995586 | Closed | 2025-02-04 13:56 | 2025-02-06 15:28 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Ready for Review-Document Uploaded. - Buyer-02/05/2025 Open-Subject property is located in a dry funding state. Missing affirmation that final fees were provided to the borrower at consummation or a PCCD with final figures. - Due Diligence Vendor-02/04/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 |
Final SS.pdf | XX | Primary Residence | Purchase | NA | 3344202 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 1995586 | Closed | 2025-02-03 18:07 | 2025-02-06 15:27 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/06/2025 Ready for Review-Document Uploaded. - Seller-02/05/2025 Open-The Deed of Trust is Incomplete. Page 2 & 3 is missing. - Due Diligence Vendor-02/03/2025 |
Ready for Review-Document Uploaded. - Seller-02/05/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-02/06/2025 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/06/2025 |
SC360i25020518040.pdf | XX | Primary Residence | Purchase | NA | 3337679 | N/A | N/A | |||
| XXXXXXXX | XXXX | 2033623 | Closed | 2025-06-04 18:25 | 2025-06-05 17:26 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/04/2025 Open-Audited FICO of 663 is less than Guideline FICO of 680 - Due Diligence Vendor-06/04/2025 |
Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-06/05/2025 |
Loan Exception Request.pdf | Reserves - 89 months, 83>6 month min DSCR 1.3132, .3132>1 |
XX | Investment | Refinance | Cash Out - Other | 4334885 | Originator Pre-Close | Yes | |||
| XXXXXXXX | XXXX | 2011824 | Closed | 2025-04-22 12:58 | 2025-07-08 20:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/08/2025 Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Buyer-04/24/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The November 2024 month business bank statement missing in file. - Due Diligence Vendor-04/22/2025 |
Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-07/08/2025 Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 |
XXXXXXXX XXXXX Bank Stmt 11 2024.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 3923936 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2011824 | Closed | 2025-04-23 11:20 | 2025-07-08 20:41 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 Ready for Review-Document Uploaded. - Buyer-04/24/2025 Open-Borrower 1 Business Bank Statements Missing The November 2024 month business bank statement missing in file. - Due Diligence Vendor-04/23/2025 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-04/24/2025 |
XXXXXXXX XXXXXX Bank Stmt 11 2024.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 3935315 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2016512 | Closed | 2025-04-29 18:47 | 2025-05-05 20:09 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/05/2025 Ready for Review-Document Uploaded. - Buyer-05/05/2025 Open-TRID: Missing Final Closing Disclosure. - Due Diligence Vendor-04/29/2025 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-05/05/2025 |
Signed_XXXXXXX_FEES_REVISED_2__002_.pdf Signed_XXXXXXX_FEES_REVISED_2__002__20_1_.pdf Signed_XXXXXXX_FEES_REVISED_2__002_ (1).pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3996348 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2016512 | Closed | 2025-04-30 18:20 | 2025-05-01 21:24 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 4 3rd Party VOE provided 10 days prior to Close is missing. - Due Diligence Vendor-04/30/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 Resolved-ATR Risk - Employment validation/verification standards meet requirements - Due Diligence Vendor-05/01/2025 |
VVOE B3 XXXXXXXX XXXXXX.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 4007599 | N/A | N/A | |||
| XXXXXXXX | XXXX | 2016512 | Closed | 2025-04-29 22:55 | 2025-05-01 21:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 4 3rd Party VOE Prior to Close Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-05/01/2025 Ready for Review-Document Uploaded. - Seller-05/01/2025 Open-Borrower 4 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-04/29/2025 |
Ready for Review-Document Uploaded. - Seller-05/01/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-05/01/2025 Resolved-Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4) - Due Diligence Vendor-05/01/2025 |
VVOE B3 XXXXXXXX XXXXXX.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3999101 | N/A | N/A | |||
| XXXXXXXX | XXXX | 2011827 | Closed | 2025-04-29 15:40 | 2025-05-02 16:05 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/02/2025 Resolved-Resolved - Due Diligence Vendor-05/02/2025 Ready for Review-Document Uploaded. - Buyer-05/01/2025 Ready for Review-Document Uploaded. - Buyer-05/01/2025 Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($150.00) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . The lender did not include the Title-Document Signing fee in Section C. - Due Diligence Vendor-04/30/2025 |
Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/02/2025 Resolved-Resolved - Due Diligence Vendor-05/02/2025 |
XXXXXXXX Ck copy.pdf FedEx Shipping Label - X XXXXXXXX.pdf XXXXXXX PCCD for refund.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 3993250 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2016520 | Closed | 2025-05-02 15:35 | 2025-05-06 20:31 | Resolved | 1 - Information | Compliance | Missing Doc | Dry Funding State - Missing Confirmation of Final Figures | Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/06/2025 Ready for Review-Document Uploaded. - Buyer-05/06/2025 Open-Subject property located in dry funding state, loan file missing PCCD. - Due Diligence Vendor-05/02/2025 |
Resolved-PCCD provided. Finding Resolved. - Due Diligence Vendor-05/06/2025 |
XXXXXXX PCCD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | 4028441 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2022803 | Closed | 2025-05-21 17:31 | 2025-05-21 17:31 | Waived | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/21/2025 | Waived-Housing History Does Not Meet Guideline Requirements Lender's guidelines require management review and exception are required for all DSCR loans when a living rent free explanation letter is provided in place of rental or mortgage payment history. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/21/2025 |
766 FICO vs 760 min required 64.286% LTV > 80% max allowed Rate and term refi |
XX | Investment | Refinance | No Cash Out - Borrower Initiated | 4206928 | Originator Pre-Close | Yes | ||||
| XXXXXXXX | XXXX | 2016519 | Closed | 2025-05-07 13:28 | 2025-07-08 20:29 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-06/18/2025 Waived-S&P value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-05/08/2025 Ready for Review-Please waive this and show complete - Buyer-05/07/2025 Open-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. . - Due Diligence Vendor-05/07/2025 |
Waived-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-05/08/2025 |
XX | Primary Residence | Purchase | NA | 4067919 | Originator Post-Close | No | |||||
| XXXXXXXX | XXXX | 2022805 | Closed | 2025-05-15 14:34 | 2025-07-08 20:31 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Updated documents with corrected NMLS ID provided, finding cleared. - Due Diligence Vendor-07/08/2025 Ready for Review-Document Uploaded. - Buyer-05/23/2025 Ready for Review-Document Uploaded. Please see revised Note and Intent to Rerecord the mortgage - Buyer-05/23/2025 Open-A relationship between XXXXX XXXXXX (NMLS ID: XXXXXXXX) and the company (Company NMLS ID: XXXXXXXX) does not exist in the NMLS Consumer Access as of 2025-05-14. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-05/15/2025 |
Resolved-Updated documents with corrected NMLS ID provided, finding cleared. - Due Diligence Vendor-07/08/2025 |
Intent.pdf XXXXXXXXXXX Revised Note.pdf Mortgage Unsigned.pdf |
XX | Primary Residence | Purchase | NA | 4149887 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2033619 | Closed | 2025-06-03 15:29 | 2025-06-04 13:19 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2025 Ready for Review-Please waive - Buyer-06/03/2025 Open-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/03/2025 |
Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-06/04/2025 |
XX | Primary Residence | Purchase | NA | 4312946 | Investor Post-Close | No | |||||
| XXXXXXXX | XXXX | 2033618 | Closed | 2025-06-02 07:23 | 2025-06-03 17:44 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation on TRID loan is missing for borrower(s) | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/03/2025 Counter-The lender provided confirmation appraisal was received by email, but the file is still missing a signed email consent documented in file. - Due Diligence Vendor-06/03/2025 Ready for Review-Document Uploaded. Attached is the appraisal receipt and at the bottom it states before downloading the report the borrower accepted consent - Buyer-06/03/2025 Open-E-Consent documentation on TRID loan is missing for borrower(s). Provided E-sign document is not signed by borrower - Due Diligence Vendor-06/02/2025 |
Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-06/03/2025 |
Sellers Econsent.pdf | XX | Investment | Refinance | Cash Out - Other | 4295208 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2033618 | Closed | 2025-06-02 07:58 | 2025-06-03 14:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation for 2nd mortgage that has not closed yet. Condition resolved. - Due Diligence Vendor-06/03/2025 Open-Document Uploaded. - Due Diligence Vendor-06/03/2025 Open- The file is missing Final CD, Note, Deed of Trust and First payment Letter for REO 4 (3e) showing 2nd mortgage opened with lender however there is no supporting documents in file. Additional conditions may apply. - Due Diligence Vendor-06/02/2025 |
Resolved-The lender provided the required documentation for 2nd mortgage that has not closed yet. Condition resolved. - Due Diligence Vendor-06/03/2025 |
1008.pdf | XX | Investment | Refinance | Cash Out - Other | 4295325 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2027351 | Closed | 2025-05-23 15:25 | 2025-05-29 14:52 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VVOE provided. Finding Resolved. - Due Diligence Vendor-05/29/2025 Ready for Review-Document Uploaded. - Buyer-05/28/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing . - Due Diligence Vendor-05/23/2025 |
Resolved-VVOE provided. Finding Resolved. - Due Diligence Vendor-05/29/2025 |
VVOE.pdf | XX | Investment | Purchase | NA | 4228616 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2033621 | Closed | 2025-06-02 20:15 | 2025-06-05 20:05 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/05/2025 Ready for Review-Document Uploaded. - Buyer-06/03/2025 Open-The final HUD/Settlement Statement is missing. Final HUD/Settlement Statement Not Provided - Due Diligence Vendor-06/02/2025 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/05/2025 |
HUD.pdf | XX | Investment | Refinance | Cash Out - Other | 4304554 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2033616 | Closed | 2025-06-04 18:15 | 2025-06-10 12:55 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Buyer-06/09/2025 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/04/2025 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 |
B1 VVOE-The Work Number.pdf B2 VVOE XXXXXX LLC.pdf |
XX | Investment | Refinance | Cash Out - Other | 4334701 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2033616 | Closed | 2025-06-04 18:15 | 2025-06-10 12:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 Ready for Review-Document Uploaded. - Buyer-06/09/2025 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-06/04/2025 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/10/2025 |
B2 VVOE XXXXXX LLC.pdf B1 VVOE-The Work Number.pdf |
XX | Investment | Refinance | Cash Out - Other | 4334700 | N/A | N/A | ||||
| XXXXXXXX | XXXX | 2036776 | Closed | 2025-06-09 08:44 | 2025-06-11 14:58 | Resolved | 1 - Information | Credit | Borrower | Missing LOE for excessive credit inquiries | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/11/2025 Ready for Review-Document Uploaded. - Buyer-06/10/2025 Open-Missing LOE for excessive credit inquiries - Due Diligence Vendor-06/09/2025 |
Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-06/11/2025 |
XXXXXX LOE - Credit Inquiry.pdf | XX | Primary Residence | Purchase | NA | 4376552 | N/A | N/A |