SAIF SECURITIZATION TRUST 2025-CES1 ABS-15G

 

Exhibit 99.1 - Schedule 1

 

Loan Number Sage Unique Identifier Investor Loan ID Overall Initial Loan Grade Overall Final Loan Grade Credit Initial Loan Grade Credit Current/Final Loan Grade Compliance Initial Loan Grade Compliance Current/Final Loan Grade Property Initial Loan Grade Property Current/Final Loan Grade Queue Finding Code Date Created Date Modified Finding Status Event Level Initial Finding Grade Current/Final Finding Grade Finding Category Finding Sub Category Finding Name Finding Comments Seller Comments Resolution Comments Reviewer Comp Factor Originator Comp Factors Finding Documents Originator QM Status Final Reviewed QM Status Loan Amount Property State Occupancy Loan Purpose Refinance Purpose Unique Finding ID    
XXXXXX SAIF2025CES0027 XXXXXX C B A A C B N/A N/A Closed 8366 09/13/23 10/24/24 Resolved 2 - Non-Material C B Compliance CLOSING/TITLE DOCUMENTATIO N Security Instrument - Rider Attached In Error QC noted the Balloon Rider was included with the Mortgage in error. The Balloon Rider is not required for this transaction.

    Client has resolved with a re-recorded, therefore no effect on enforceability   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D A N/A N/A Closed 441 05/03/24 10/24/24 Resolved 1 - Information D A Compliance FACTA Credit Score Disclosure Not in file The Credit Score Disclosure was not located in file at time of audit.
 		   Resolved - Credit Score Disclosure received    Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 6980 05/03/24 07/16/24 Resolved 1 - Information D A Compliance INTENT TO PROCEED Not in file - TRID The Intent to Proceed was not located in file.   Resolved - The lender provided the Intent to Proceed to clear the finding | Doc uploaded   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 148 05/03/24 11/11/24 Resolved 1 - Information D A Credit CLOSING/TITLE DOCUMENTATIO N Title Commitment/Title Policy - Not In File None in file at time of audit: Title Documentation.    Resolved - the client provided the title policy to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 225 05/03/24 07/16/24 Resolved 1 - Information D A Credit INSURANCE DOCUMENTATIO N Hazard Insurance - Not in file None in file at time of audit: Hazard Insurance Policy.   Resolved - the lender provided the Hazard Insurance Policy to clear the finding | Doc uploaded   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 237 05/03/24 07/16/24 Resolved 1 - Information D A Credit COMPLIANCE DOCUMENTATIO N Flood Certificate - Not in File None in file at time of audit: Flood Hazard Determination, FEMA form 81-93, XX (OCC Bulletin 95-44) (Federal Register Vol. XX No. XX, page 3XXXX).   Resolved - The lender provided the Flood Cert to support the subject property is not in a flood zone | Doc uploaded   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 6777 05/03/24 07/16/24 Resolved 2 - Non-Material D B Compliance Loan Estimate None in file - Loan Estimate None in file at time of audit: Loan Estimate. (Section 1026.19 (e)(1)(ii))   Doc uploaded | Doc uploaded | Resolved - The lender provided the LE within 3 days of application to clear the finding | Resolved - The lender provided an additional LE to support the decrease in the Loan Amount to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0059 XXXXXX D B D A D B N/A N/A Closed 3352 05/03/24 07/16/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 148 11/29/22 12/19/22 Resolved 1 - Information D A Credit CLOSING/TITLE DOCUMENTATIO N Title Commitment/Title Policy - Not In File None in file at time of audit: Title Documentation.   Title Commitment uploaded. | Resolved - The lender provided the Title Documentation to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 6780 11/29/22 10/24/24 Resolved 2 - Non-Material C B Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX. A revised Loan Estimate was issued on XX/XX/XXXX and XX/XX/XXXX QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)

Out of scope		   Accepting finding as stated.
XX  updated finding to accepted | XX  updated finding to created | Re-disclosure cover letter reflecting VCOC uploaded. | Responded - the lender provided the completed COC to support the rate lock change on XX/XX/XXXX; however, a COC for the XX/XX/XXXX re-issuance of Loan Estimate was not located.		   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 428 11/29/22 02/16/23 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's W-2s for the most recent two years.   The third party XX along with the underwriter commentary on the 1008 is sufficient in lieu of tax transcripts when there is  a delay in obtaining the XX No further documentation is required. | Responded - The client is accepting the alternate documentation for closing, however, still requiring the X are pursed and delivered. | Resolved - The lender provided the XX tax transcripts for the Borrower(s) to support the income used in qualifying, clearing the finding. | Resolved - The lender provided the XX tax transcripts for the Borrower(s) to support the income used in qualifying, clearing the finding. | XX. |XX   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 8154 11/29/22 12/19/22 Resolved 1 - Information D A Credit INCOME DOCUMENTATIO N Missing Verbal VOE w/in 10 days of Note (CONV) - COVID-19 The file did not contain a Verbal VOE for the Borrower within 10 business days prior to the Note date as required.  A written VOE within 10 business days prior to the Note date would have also been acceptable.   Verbal VOE uploaded. | Resolved - The lender provided the VVOE to clear the finding.    Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 139 11/29/22 12/19/22 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Loan approval form missing The Transmittal Summary was used as the loan approval; however, a loan approval date was not provided on the form to confirm the loan was underwritten and approved prior to closing.   Resolved - The lender provided the loan approval to clear the finding. | Loan approval uploaded.   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0003 XXXXXX D B D A C B N/A N/A Closed 3352 11/29/22 12/19/22 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0004 XXXXXX B B B B A A N/A N/A Closed 1035 11/29/22 12/28/22 Resolved 2 - Non-Material B B Credit LIABILITY CALC/ANALYSIS Monthly payments not properly calculated The lender calculated the proposed monthly payment for the subject property using a first mortgage P&I of $XXXX; however, the Verification of Mortgage in file reflects a P&I of $XXXX.  QC included the total monthly payment reflected on the VOM of $XXXX for ratio calculations.  The DTI increased from XX% to XX%.   Underwriter appears to have utilized a Note uploaded to the file which was for an inactive loan. More recent, correct Note confirms first mortgage P&I is $XX. Despite the error, impact to DTI is minimal and loan still qualifies.
 		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0009 XXXXXX D B D B C B N/A N/A Closed 225 12/12/22 05/02/23 Resolved 1 - Information D A Credit INSURANCE DOCUMENTATIO N Hazard Insurance - Not in file None in file at time of audit: Hazard Insurance Policy.   Resolved - The lender provided the Hazard Insurance Policy to clear the finding Hazard insurance uploaded.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0009 XXXXXX D B D B C B N/A N/A Closed 6780 12/12/22 05/02/23 Resolved 1 - Information C A Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX . A revised Loan Estimate was issued on XX/XX/XXXX , XX/XX/XXXX  and XX/XX/XXXX  QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)   Resolved - The lender provided the Change of Circumstances for the re-issuance of the Loan Estimate on XX Xand XX to clear the finding | Redisclosure cover letters uploaded.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0009 XXXXXX D B D B C B N/A N/A Closed 344 12/13/22 05/02/23 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Initial App - Missing The initial application was not in file at time of audit.  File only contained page X of the initial application.   Resolved - The lender provided the initial loan application to clear the finding | Initial 1003 uploaded.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0009 XXXXXX D B D B C B N/A N/A Closed 139 12/13/22 05/02/23 Resolved 2 - Non-Material D B Credit APPLICATION/PROCESS DOC Loan approval form missing A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing.   Resolved - The lender provided the loan approval to clear the finding | Loan approval uploaded.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0009 XXXXXX D B D B C B N/A N/A Closed 6873 12/12/22 07/13/24 Acknowledged  2 - Non-Material B B Compliance CLOSING DISCLOSURE Page 3 Calculating Cash to Close - LE does not reconcile to CD Page X of the Closing Disclosure in the Calculating Cash to Close Section, the Loan Estimate figures do not reconcile to the Final Loan Estimate located in file. (Section 1026.38(e)(3)(iii)(B)) Accepting finding as stated.
XXupdated finding to accepted		         Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 6780 12/05/22 07/16/24 Resolved 1 - Information C A Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX . A revised Loan Estimate was issued on XX/XX/XXXX  and XX/XX/XXXX . QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)   Accepting finding as stated.
XX updated finding to accepted |XX updated finding to created | Re-disclosure cover letters uploaded. | Re-disclosure cover letters uploaded. | Resolved - The lender provided completed COC letters to clear the finding | Resolved - The lender provided the completed COC to clear the finding		   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 7587 12/05/22 01/03/23 Open 2 - Non-Material D B Compliance E-SIGN CONSENT E-Sign Consent - Not In File Documents were signed electronically, however the e-sign consent was not located in the file at time of audit. (15 U.S.C. 7001 et seq.)(Comment 19 (e)(I)(iv)-2)   Accepting finding as stated.
XXcom updated finding to accepted | Resolved - The lender provided the e-sign consent to clear the finding. | darlene.tuua@carri ngtonms.com updated finding to created | eConsent uploaded.		   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 6755 12/12/22 12/30/22 Resolved 1 - Information D A Credit LIABILITY DOCUMENTATIO N Liability on 1003 - payment not verified/documented The loan application reflects an obligation included on the PITI with a payment of $XX.  The source of the payment amount is unknown and was not documented in file.  QC utilized the payment from the application for ratio calculations.   VOM uploaded reflecting $XX monthly MI payment. | Resolved - The lender provided a VOM to support the payment used in qualifying to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 344 12/12/22 12/30/22 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Initial App - Missing The initial application was not in file at time of audit.   Initial 1003 uploaded. | Resolved - The lender provided the initial 1003 to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 428 12/12/22 01/13/25 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's W-2s for the most recent two years.   The third party VOE long with underwriter commentary on the 1008 is sufficient in lieu of X when there is a delay in obtaining the transcripts.  No further documentation is required. | Responded - The client is accepting the alternate documentation for closing, | XXX   longer required due to updated guideline amendment dated XX/XX/XXXX   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0005 XXXXXX D B D A D B N/A N/A Closed 3352 12/12/22 01/13/25 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0002 XXXXXX D B D A C B N/A N/A Closed 428 01/20/23 01/30/25 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's personal tax returns and/or W-2s for the most recent two years.   Revised - Tax Transcripts / 4506C no longer required due to updated guideline amendment dated XX/XX/XXXX   non-QM: Lender documented all ATR UW factors non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0002 XXXXXX D B D A C B N/A N/A Closed 594 01/18/23 02/02/23 Resolved 1 - Information C A Compliance TIL (CLOSING) Failed TILA Review MAVENT The loan failed the TILA review. Refer to the imaged copy of the high cost report.

The Closing Disclosure Received Date of (XX) is not three business days before the consummation date of (2022-10-07). Three business days before consummation is (20221004). Under Regulation Z, a consumer must receive a 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))		   Resolved - The lender provided the initial Closing Disclosure dated XX/XX/XXXXto clear the finding | Please see attached, the initial closing disclosure was sent on XX/XX/XXXX. The XX/XX/XXXX closing disclosure was a revision.   non-QM: Lender documented all ATR UW factors non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0002 XXXXXX D B D A C B N/A N/A Closed 3352 01/18/23 02/02/23 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           non-QM: Lender documented all ATR UW factors non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0001 XXXXXX D A D A C A N/A N/A Closed 6780 11/29/22 01/16/23 Resolved 1 - Information C A Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX  A revised Loan Estimate was issued on XX/XX/XXXX  and XX/XX/XXXX . QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)
Documentation provided.		   Accepting finding as stated.
XX updated finding to accepted | darlene.tuua@carri ngtonms.com updated finding to created | COCs uploaded. | Documentation provided. Comment reduced to 0 rating.
   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0001 XXXXXX D A D A C A N/A N/A Closed 6755 12/08/22 03/16/23 Resolved 1 - Information D A Credit LIABILITY DOCUMENTATIO N Liability on 1003 - payment not verified/documented The loan application reflects an other payment included in the PITI of $XX.  The source of the payment amount is unknown and was not documented in file.  QC utilized the payment from the application for ratio calculations.   1008 updated to reflect other amount as $X for the escrow shortage and MI. | Responded - The lender provided updated documentation to reflect the additional payment; however, the VOM or other documentation to support the amount was not provided | Updated documentation provided reflects higher payment and is more conservative. | Resolved - The lender provided additional documentation to support the additional amount in the PITI is an escrow shortage to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0001 XXXXXX D A D A C A N/A N/A Closed 428 12/08/22 01/30/25 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's W-2s for the most recent two years.    Revised - Tax Transcripts / 4506C no longer required due to updated guideline amendment dated XX/XX/XXXX   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0006 XXXXXX D A D A A A N/A N/A Closed 8214 02/13/23 04/21/23 Resolved 1 - Information D A Credit INCOME DOCUMENTATIO N Missing Income Documentation The Borrower was qualified using income of $XX per month based on The Work Number; however, file did not contain documentation from the employer confirming what other income represented.  The Work Number listed other income as variable and can include but not limited to paid time off, reimbursement, etc.  Lender should have addressed this discrepancy.   Response uploaded. | Resolved - The lender provided additional documentation to support the use of the other income to clear the finding   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0006 XXXXXX D A D A A A N/A N/A Closed 428 02/13/23 01/30/25 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's personal tax returns and/or W-2s for the most recent two years.   Revised - Tax Transcripts / 4506C no longer required due to updated guideline amendment dated XX/XX/XXXX   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0006 XXXXXX D A D A A A N/A N/A Closed 27 02/13/23 03/22/23 Resolved 1 - Information C A Credit INCOME DOCUMENTATIO N No Borrower's name on Paystub A paystub for the Borrower was missing.  The file contained third party verification of income and W-2s; however, this documentation alone was not sufficient enough for income requirements.  QC utilized the amount listed on the final application for data purposes.   Paystub uploaded. | Resolved - The lender provided the paystub for the Borrower to clear the finding   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0007 XXXXXX D A D A A A N/A N/A Closed 2521 03/08/23 04/11/23 resolved 1 - Information D A Credit LIABILITIES DOCUMENTATION MISSING LIABILITY DOCS Documentation of any expenses related to the Borrower's property located at XXXX Street, reflected on the loan application, was not found in the file. QC was unable to determine its effect on the Borrower's debt to income ratio.

Both the subject property and this property were indicated on the loan application as the Borrower's primary residence and are located in the same city. This discrepancy was not addressed.		   Resolved - The lender provided additional documentation to support the address as a typographical error to clear the finding       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0063 XXXXXX C A A A C A N/A N/A Closed 6780 05/19/23 06/02/23 Resolved 1 - Information C A Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX  A revised Loan Estimate was issued on XX/XX/XXXX . QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)   COC uploaded. | Resolved - The lender provided the Change of CIrcumstance dated XX/XX/XXXX to support the revised Loan Estimate to clear the finding.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0008 XXXXXX D B D A B B N/A N/A Closed 428 04/13/23 01/30/25 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's personal tax returns and/or W-2s for the most recent two years.   The client notified QC they had approved a waiver for the missing tax transcripts to clear the finding. | We have approved a waiver of the X for X. | Accepted by client - Not required by agency guidelines. Amended guidelines are to follow | X  updated finding to created | Amended guidelines to follow. | Revised - Tax Transcripts / X no longer required due to updated guideline amendment dated XX/XX/XXXX   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0008 XXXXXX D B D A B B N/A N/A Closed 3352 04/13/23 01/30/25 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0016 XXXXXX D B D B C B N/A N/A Closed 6780 07/27/23 08/11/23 Resolved 1 - Information C A Compliance LOAN ESTIMATE Change of circumstance not documented - Loan Estimate The Loan Estimate was issued on XX/XX/XXXX . A revised Loan Estimate was issued on XX/XX/XXXX . QC did not locate documentation or evidence supporting the change of circumstance in the file. (Section 1026.19(e)(3)(iv) Revised Estimates #3)
Documentation provided.		   COC uploaded. | Resolved - Documentation provided. Comment reduced to 0 rating.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0016 XXXXXX D B D B C B N/A N/A Closed 784 08/02/23 10/30/24 Resolved 2 - Non-Material D B Credit INCOME DOCUMENTATIO N Missing or incomplete Verbal VOE w/in 10 days of Note (CONV) The file contained a complete Verbal VOE for the Borrower; however, it was dated on XX/XX/XXXX which is more than 10 business days prior to the note date.  An additional Verbal VOE dated within 10 business days of the Note date should have been obtained.  A written VOE within 10 business days prior to the Note date would also be acceptable.
This is a lender requirement.
Upon re-review and rebuttal from client, exception grade is B due to minimal date variance from guideline. Reference compensating factors		   | Responded - The finding remains, acknowledged by the client.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0016 XXXXXX D B D B C B N/A N/A Closed 3352 08/02/23 10/30/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0022 XXXXXX D B D B B B N/A N/A Closed 1040 08/29/23 10/24/24 Acknowledged 2 - Non-Material D B Credit LIABILITY DOCUMENTATIO N Missing documentation to support omission of debts The monthly payment on the account with XX was not considered in qualifying.  It appears the debt was omitted due to the number of payments remaining.  Installment debts with more than X payments remaining must be included in calculations.  QC is unable to confirm X or less payments with the documentation in file.  Inclusion of the obligation would result in an excessive DTI ratio.

 		   XX was an installment debt with X payments remaining as of the date the credit report was pulled on Xbalance of Xayment $X, total XXpayments left). | Responded - The credit report soft pull in file did not include the X account. | Responded - The credit report in file dated XX/XX/XXXX indicates more than X payments are left on the loan. The soft pull does list the account with XX  |   Waiver approved. | The client approved exception.   COMP FACTORS:  In home X years, X months mortgage history.  X with income stability,  CLTV isX   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0022 XXXXXX D B D B B B N/A N/A Closed 7580 08/30/23 09/28/23 Resolved 1 - Information C A Credit INCOME DOCUMENTATIO N OTHER The subject loan was approved with VA Disability income in the amount of $XX monthly.  An award letter or other documentation from the VA was not provided in file.  Exclusion of the income would result in an excessive DTI ratio.   Responded - The X Benefits section of the guide does require a letter or distribution form from the Veteran's administration.  | Responded - The x x section of the guide does require a letter or distribution form from the x administration.  | The XXdeposits appear on the bank statements referenced in the other findings. This should be sufficient per the guidelines, under "XX and X." "X need not be documented.... The following types of income documentation is required:.... bank statements for the most recent two months showing deposit of funds."  | The x deposits appear on the bank statements referenced in the other findings. This should be sufficient per the guidelines, under "X." "Evidence of continuance of X.... The following types of income documentation is required:.... X for the most recent tX months showing deposit of funds."  | Certificate of Eligibility attached which confirms under "Funding Fee" "receipt of service-connected disability compensation of $Xmonthly." | Resolved - The lender provided documentation from the X reflecting income of $X monthly, clearing the finding.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0022 XXXXXX D B D B B B N/A N/A Closed 3352 08/30/23 09/28/23 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0020 XXXXXX D B D B B B N/A N/A Closed 3854 10/20/23 10/30/24 Resolved 2 - Non-Material D B Credit CREDIT DOCUMENTATIO N CREDIT REPORT - Expired The Lender's credit report was XX days old on the date the Note was signed. A credit soft pull should have been obtained but was not provided in file.
 		   Exception deemed non-material based on minimal variance in guidelines and strong compensating Factors  "Minimum Credit Score RequiredX; Audit Score X
Max CLTV allowed X; Audit CLTV X
Max DTI Allowed XAudit DTI X
Borrower received $XCash at closing"		   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0020 XXXXXX D B D B B B N/A N/A Closed 8154 10/20/23 10/27/23 Resolved 1 - Information D A Credit INCOME DOCUMENTATIO N Missing Verbal VOE w/in 10 days of Note (CONV) - COVID-19 The Verbal VOE form in file indicates the Borrower's employment was verified by The Work Number dated XX/XX/XXXX  however, this document was not located in file.   Attached | Resolved - The lender provided The x to clear the finding.    Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0020 XXXXXX D B D B B B N/A N/A Closed 3352 10/20/23 10/27/23 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0283 XXXXXX C A C A A A N/A N/A Closed 124 10/20/23 10/26/23 Resolved 1 - Information C A Credit APPLICATION/PROCESS DOC Initial App - Not Signed The initial application was not signed and dated by the interviewer.   Completed VVOE attached. | Resolved - The lender provided a Verbal x that contained the Borrower's employment status to clear the finding.   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0283 XXXXXX C A C A A A N/A N/A Closed 211 10/20/23 10/26/23 Resolved 1 - Information C A Credit MORTGAGE/PROG RAM ELIGIBILITY Program requirement not met The following program requirement was not met:  the verbal VOE provided in file does not reflect the Borrower's employment status.   Attached | Resolved - The lender provided the initial application signed and dated by the interviewer to clear the finding.    Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0039 XXXXXX D B D A B B N/A N/A Closed 211 11/21/23 12/12/23 Resolved 1 - Information C A Credit MORTGAGE/PROG RAM ELIGIBILITY Program requirement not met The following program requirement was not met:  the verbal VOE provided in file does not reflect the Borrower's employment status.   Complete version attached. | Resolved - The lender provided a Verbal VOE that contained the Borrower's employment status to clear the finding. "Minimum Credit Score Required X Audit Score X
Borrower at the subject property for Xyears, Borrower on the job for X years"		   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0039 XXXXXX D B D A B B N/A N/A Closed 139 11/21/23 12/15/23 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Loan approval form missing It appears the final loan approval was not provided in file.  The loan approval in file reflects the Borrower was qualified with total income of -$XXand a DTI ratio of XX%.  The transmittal summary reflects income of $XXXX for Borrower X and a "Total Borrower Income" of -$XX

Using the income documentation provided in file, QC calculates monthly income $XXXX, resulting in a DTI ratio of XX%		   Attached is the correct version of the approval. | Responded - The lender provided an updated loan approval reflecting the income used to qualify.  Please provide a signed final application reflecting the income used to qualify. | Signed correct 1003 attached. | Resolved - The lender provided a signed final application to clear the finding.  "Minimum Credit Score Required X; Audit Score X
Borrower at the subject property for X years, Borrower on the job foX years"		   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0039 XXXXXX D B D A B B N/A N/A Closed 3352 11/21/23 12/15/23 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0041 XXXXXX D B D B B B N/A N/A Closed 428 12/08/23 01/30/25 Resolved 2 - Non-Material D B Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Borrower's personal tax returns and/or W-2s for the most recent two years.   The client has approved a waiver for this exception. | Revised - tax Transcripts / X no longer required due to updated guideline amendment dated XX/XX/XXXX   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0041 XXXXXX D B D B B B N/A N/A Closed 3352 12/08/23 01/30/25 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0065   C B A A C B N/A N/A Closed 3634 07/13/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX  
Ready for Review-The $XX discount points were added in connection with a Xday lock extension, these points are the extension fee. The transfer taxes increased with the loan amount- the initial amount of $XX was based on the loan amount of $XXX; applying the same tax rate for final loan amount $XXXX results in taxes of $XX The loan amount increase was the change of circumstance allowing the increase to transfer taxes. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-The Transfer Taxes  increased on the Final CD by $XX compared to the baseline without a valid COC.  The Points  fee was added to the Final CD in the amount of $XX without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XXX with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-The $XX discount points were added in connection with a Xday lock extension, these points are the extension fee. The transfer taxes increased with the loan amount- the initial amount of $X was based on the loan amount of $X applying the same tax rate for final loan amount $X results in taxes of $X. The loan amount increase was the change of circumstance allowing the increase to transfer taxes. - Seller-XX/XX/XXXX
 Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower 1 has been at the subject property since XX     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982286    
XXXXXX SAIF2025CES0065   C B A A C B N/A N/A Closed 3352 07/13/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-0XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower 1 has been at the subject property since XX     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982282    
XXXXXX SAIF2025CES0066   D B D A C B N/A N/A Closed 3634 07/14/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The reason for the change of circumstance was acceptable. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX  
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX  
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The transfer tax increased to match the increase in loan amount, the initial amount disclosed was contingent on the original loan amount of $XXXX. Applying the same tax rate to the loan amount of $XXresults in total transfer taxes of $XX
The 2nd appraisal was required when the first appraisal expired; the borrower had previously applied for a loan and provided the appraisal dated XX/XX/XXXX  An update was requested for this appraisal at application, but the loan did not close in time to utilize the earlier appraisal. At that point a second appraisal was ordered and XX disclosed the additional fee in a timely fashion.
The reinspection fee was included on the initial loan estimate as a portion of the $XXappraisal fee, as the reinspection/update was required at application due to the age of the first appraisal. The final CD shows the borrower paid $XX for the appraisal and $XX for the reinspection, totaling $XX.
The discount point increases are demonstrated on the disclosures provided in the binder, the borrower added X% discount points to decrease the interest rate from XX% to XX%, and the loan amount increased from $XX to $XX. These changes of circumstance sufficiently address the increase to the discount points. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The appraisal fee increased on the Final CD by $XXcompared to the baseline without a valid COC. The Transfer Tax fee increased on the Final CD by $XX compared to the baseline without a valid COC. The Points - Loan Discount fee was added to the Final CD in the amount of $XX without a valid COC and was not included in the baseline. The Reinspection fee was added to the Final CD in the amount of $XX without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $XXwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-The transfer tax increased to match the increase in loan amount, the initial amount disclosed was contingent on the original loan amount of $X. Applying the same tax rate to the loan amount of $X results in total transfer taxes of $X
The 2nd appraisal was required when the first appraisal expired; the borrower had previously applied for a loan and provided the appraisal dated XX/XX/XXXX An update was requested for this appraisal at application, but the loan did not close in time to utilize the earlier appraisal. At that point a second appraisal was ordered and X disclosed the additional fee in a timely fashion.
The reinspection fee was included on the initial loan estimate as a portion of the $X appraisal fee, as the reinspection/update was required at application due to the age of the first appraisal. The final CD shows the borrower paid $X for the appraisal and $X for the reinspection, totaling $X
The discount point increases are demonstrated on the disclosures provided in the binder, the borrower added X% discount points to decrease the interest rate from X% to X%, and the loan amount increased from $X to $X. These changes of circumstance sufficiently address the increase to the discount points. - Seller-XX/XX/XXXX
 Resolved-The reason for the change of circumstance was acceptable. - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1984776    
XXXXXX SAIF2025CES0066   D B D A C B N/A N/A Closed FCRE5782 07/16/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX  
Ready for Review-Received complete Gap report datedXX/XX/XXXX .  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX  
Open-Borrower 1 Gap Credit Report is Missing The file contained a loan quality cross check report, which appears to be a gap report.  However, its first page is missing.  It could not be determined whether this report fulfilled the requirements of a gap credit report.  - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-Document Uploaded. Complete version attached. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1996548    
XXXXXX SAIF2025CES0066   D B D A C B N/A N/A Closed 3352 07/14/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-07/22/2024
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1984770    
XXXXXX SAIF2025CES0067   B B A A B B N/A N/A Closed 3352 07/09/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence VendorXX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan not allowed within lender guidelines. Elevated to Grade B. - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Acknowledged by x  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower's have resided at the subject property for Xyears.
Time on job greater thanX years - The Co-Borrower has been with his employer for X years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1954766    
XXXXXX SAIF2025CES0068   D B D A C B N/A N/A Closed 3634 07/11/24 08/15/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached COC cover letter - Seller-XX/XX/XXXX
Counter-After further review and consultation with outside counsel, it is determined we do not have sufficient documentation of the Change of Circumstance for the increase in Loan Amount, while a specific form is not required, there must be documentation for any revised disclosure including the CDs which indicates the reason for the Change at a minimum.  Once the Reason has been determined then the fees changed can be identified and reviewed to determine they are consistent with the reason.  Here, it appears your position is the borrower requested a change in the loan amount which would be sufficient for an increase in the fees, the issue is we need documentation that the borrower in fact did request the change, this could be as simple as them initialing the Loan Amount change on the revised disclosure or an email or LOS screenshot of their request.  Their signature of the disclosure without initialing the change would not be sufficient, they must initial the changes if the disclosure is being used as the documentation of the Change of Circumstance Reason and there is not a form or correspondence from the Borrower documenting the Reason.  See the CFPB Supervisory Highlights dated XX which addresses the requirements to document and maintain the consumer's requests for Changes. - Due Diligence Vendor-XX/XX/XXXX
Counter-I will escalate this to our legal for further review.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. There is no change of circumstance cover letter, as this is not required for closing disclosures. The attached CD is the point at which the loan amount increased and it disclosed the corresponding increase to the discount point fee, maintaining the 2% of loan amount. - Seller-XX/XX/XXXX
Counter-The loan file does not contain nor was a COC for the increase in the Loan Discount fee. Could you please attach the associated COC for review. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The COC on the initial CD was the increase to the loan amount from $XX to $XX. - SellerXX/XX/XXXX
Open-The Loan Discount fee increased on the Initial CD by $XXX compared to the baseline without a valid COC. The 03/15/2024 increase was applied due to the COC located in the loan file. However, the COC for the second change was not located in the loan file.XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached COC cover letter - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. There is no change of circumstance cover letter, as this is not required for closing disclosures. The attached CD is the point at which the loan amount increased and it disclosed the corresponding increase to the discount point fee, maintaining the X% of loan amount. - Seller-XX/XX/XXXX
 Ready for Review-The COC on the initial CD was the increase to the loan amount from $X to $X. - Seller-XX/XX/XXXX
 Ready for Review-The disclosures provided in the binder demonstrate the changes of circumstance that explain the increase in discount points. On the XX/XX/XXXX loan estimate the borrower increased the discount points from X% toX% and the interest rate decreased accordingly. On XX/XX/XXXXthe loan amount increased from $X to $X, and so the X% discount points increased from $Xto $X. The discount points remained at this amount through closing. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1973069    
XXXXXX SAIF2025CES0068   D B D A C B N/A N/A Closed FCRE1148 07/13/24 08/12/24 Resolved 1 - Information D A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Received copy of warranty transaction certificate reflected $54000 in coverage and closing instructions showing $XXin coverage.  Exception Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Certificate attached; this acts in place of the policy document. - Seller-XX/XX/XXXX
Counter-Documentation was provided to reflect a request for the increase of coverage; however, the commitment and/or policy was not provided.  Please provide title commitment/policy to reflect sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The title policy amount was updated to $XX prior to closing, see the attached closing instructions page X item 1 stating "Creditor's Title Policy is to be in the amount of $XX." - Seller-XX/XX/XXXX  
Open-Title Coverage Amount of $XX is Less than Total Amount of Subject Lien(s) of $XXThe proposed coverage of <$XX> on the title commitment is less that the subject loan amount of <$XX> - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-Document Uploaded. Certificate attached; this acts in place of the policy document. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. The title policy amount was updated to $X prior to closing, see the attached closing instructions page 2 item 1 stating "Creditor's Title Policy is to be in the amount of $X - Seller-XX/XX/XXXX
 Resolved-Received copy of warranty transaction certificate reflected $xn coverage and closing instructions showing $xin coverage.  Exception Resolved. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1983178    
XXXXXX SAIF2025CES0068   D B D A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged byX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Acknowledged by x. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1973065    
XXXXXX SAIF2025CES0070   D B D A C B N/A N/A Closed FCRE1358 07/11/24 04/18/25 Resolved 1 - Information D A Credit Missing Doc Borrower 2 W2/1099 Missing Resolved-Borrower X XX9 Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see an update XX, Loan Approval, and final XX reflecting changes on Co-bwr's income. The new DTI is below XX% - Seller-XX/XX/XXXX
Open-All XX XXs for Borrower X were not located in file.  The file contains a XXXX XX from <XX> to reflect earnings of <$XXXX>.  This does not support the income used for qualifying.  However, a <X> report reflects earnings of <$XX/XX/XXXX > for XX and does not support the XX in file.  Notations on the <XX> indicate due to a position change, an additional XX was issued.  This additional W2 was not located in file to support the information reflected on the <X> report. - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-Document Uploaded. Please see an update 1008, Loan Approval, and final 1003 reflecting changes on Co-bwr's income. The new DTI is below X - Seller-XX/XX/XXXX
 Resolved-Borrower X Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with the same company for over Xyears.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1973452    
XXXXXX SAIF2025CES0070   D B D A C B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by XXXX.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with the same company for over Xyears.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1942025    
XXXXXX SAIF2025CES0071   C B A A C B N/A N/A Closed 3634 07/17/24 08/15/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Returned to Open status but does not appear commentary was provided for last response - Seller-XX/XX/XXXX
Ready for Review-Document Uploaded. COC was disclosed and is attached here - the underwriter requested a full appraisal with interior inspection, the first appraisal was only a desktop appraisal. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 1-The 2nd Appraisal fee was added to the Final CD in the amount of $XXwithout a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery.

 - Due Diligence Vendor-XX/XX/XXXX 		 Ready for Review-Returned to Open status but does not appear commentary was provided for last response - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. COC was disclosed and is attached here - the underwriter requested a full appraisal with interior inspection, the first appraisal was only a desktop appraisal. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - BX employment verified Xyears   XXXX Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2003970    
XXXXXX SAIF2025CES0071   C B A A C B N/A N/A Closed 3452 07/30/24 08/15/24 Acknowledged 2 - Non-Material C B Compliance TRID Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test Unable to Resolve-Unable to Resolve-Accepting grade B finding - Seller-Unable to Resolve-Unable to Resolve-Accepting grade B finding - SellerX-X/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-Unable to Resolve-Unable to Resolve-Accepting grade B finding - Seller-XX/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between the Unable to Resolve-Unable to Resolve-Accepting grade B finding - Seller-XX/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between the XX/XX/XXXXCD and theUnable to Resolve-Unable to Resolve-Accepting grade B finding - Seller-XX/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between the XX/XX/XXXXCD and the XX/XX/XXXX CD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - SellerXX/XX/XXXX CD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - Seller-XX/XX/XXXXCD and the XX/XX/XXXX CD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between the XX/XX/XXXX CD and theXX/XX/XXXX CD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - Seller-XX/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between theXX/XX/XXXX CD and the XX/XX/XXXXCD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - Seller-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Accepting grade B finding - Seller-XX/XX/XXXX
 Ready for Review-See Question 2 in the attached link, information pasted below. In this case the APR would have been considered accurate because it was accurate at the time of disclosure, and the decrease in the loan amount and interest rate lowered the APR. https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

2. Is a creditor required to ensure that a consumer receives a corrected Closing Disclosure at least three business days before consummation if the APR decreases (i.e., the previously disclosed APR is overstated)?
The answer depends on whether the overstated APR that was previously disclosed on the Closing Disclosure is accurate or inaccurate under Regulation Z. If the overstated APR is accurate under Regulation Z, the creditor must provide a corrected Closing Disclosure, but the creditor is permitted to provide it at or before consummation without a new three business-day waiting period. 12 CFR § 1026.19(f)(2)(I). If the overstated APR is inaccurate under Regulation Z, the creditor must ensure that a consumer receives a corrected Closing Disclosure at least three business days before the loan’s consummation (i.e., the inaccurate APR triggers a new three-business day waiting period). 12 CFR § 1026.19(f)(2)(ii).

A disclosed APR is accurate under Regulation Z if the difference between the disclosed APR and the actual APR for the loan is within an applicable tolerance in Regulation Z, 12 CFR § 1026.22(a). For transactions secured by real property or a dwelling, Regulation Z includes several tolerances that might apply, including a tolerance whereby the disclosed APR is considered accurate if it results from the disclosed finance charge being overstated. See 12 CFR § 1026.22(a)(4). For example, if the APR and finance charge are overstated because the interest rate has decreased, the APR is considered accurate. Thus, the creditor may provide the corrected Closing Disclosure to the consumer at consummation, and is not required to ensure that the consumer receives the corrected Closing Disclosure at least three business days before consummation. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount decreased between the XX/XX/XXXX CD and the XX/XX/XXXXCD, which also resulted in a decrease in the interest rate and APR. Reducing these figures does not require reopening the three-day waiting period. - Seller-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - BXemployment verified X years     Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2088609    
XXXXXX SAIF2025CES0071   C B A A C B N/A N/A Closed 3638 08/09/24 08/09/24 Resolved 1 - Information C A Compliance TRID Reimbursement Amount Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the reimbursement amount test.  (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXRefunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(I) or (ii), the creditor complies with §1026.19(e)(1)(I) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §1026.19(f)(1)(I) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. - Due Diligence Vendor-XX/XX/XXXX 		   Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - BXemployment verified X years     Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2153955    
XXXXXX SAIF2025CES0072   C B A A C B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX.  Grade Remains B - Due Diligence VendorXX/XX/XXXX  
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines - Due Diligence VendorXX/XX/XXXX 		   Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-0XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1947462    
XXXXXX SAIF2025CES0073   C B C B C B N/A N/A Closed FCRE5778 07/19/24 08/12/24 Acknowledged 2 - Non-Material C B Credit Eligibility Borrower 1 Credit Report is Expired Acknowledged-Document Uploaded.  - Due Diligence Vendor-XX/XX/XXXX
Acknowledged-Sage has accepted the expired credit report due in part to a GAP report in file prior to closing, reflecting no new debt load.  Compensating factors applied.  Upgraded to a B - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower X Credit Report is Expired (Greater than XX days from the Closing Date). The credit report provided was expired on the date of the Note.  The lender's credit report is dated XX/XX/XXXX  and the Note is dated XX/XX/XXXX .    This exceeds the allowable XXXdays. - Due Diligence Vendor-XX/XX/XXXX 		   Acknowledged-Document Uploaded.  - Due Diligence Vendor XX/XX/XXXX
 Acknowledged-XXX has accepted the expired credit report due in part to a XX report in file prior to closing, reflecting no new debt load.  Compensating factors applied.  Upgraded to a B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2021475    
XXXXXX SAIF2025CES0073   C B C B C B N/A N/A Closed 3634 07/16/24 08/09/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The exception was resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The COC adding the additional settlement closing fee was due to a change in the vesting of the property at the borrower's request, which necessitated preparation and recording of a quit claim deed. The completed deed is attached. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Settlement Closing fee was added to the Final CD in the amount of $XX without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XXwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The COC adding the additional settlement closing fee was due to a change in the vesting of the property at the borrower's request, which necessitated preparation and recording of a quit claim deed. The completed deed is attached. - Seller-XX/XX/XXXX
 Resolved-The exception was resolved. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1998275    
XXXXXX SAIF2025CES0073   C B C B C B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains X- Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1998269    
XXXXXX SAIF2025CES0060   C B A A C B N/A N/A Closed 3634 07/05/24 04/24/25 Resolved 2 - Non-Material C B Compliance TRID Charges That Cannot Increase Test Cured-Cure provided. - Due Diligence Vendor-XX/XX/XXXX
Cured-The documentation received for the COC was accepted. The loan still failed the cannot increase as a result of the rounding on the Loan Estimate. The increase was $X  - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached documentation for change of circumstance and post-closing cure again, per request. - Seller-XX/XX/XXXX
Counter-The cure provided on the PCCD in the amount of $XX for principal reduction was applied to the Transfer Taxes in the amount of $X which were added on Final CD date XX/XX/XXXX. The received cover letter dated XX/XX/XXXX was insufficient as a COC for the increase in the loan discount in the amount of $XX on the Revised LE dated XX/XX/XXXX The cover letter provided indicates which fees increased but does not provide a reason for the change. Please provide a valid COC with the reason for the change in circumstance dated XX/XX/XXXX or a PCCD with the cure along with the LOE, proof of delivery and copy of the refund to the Borrower. Please see SFIG 4.0 appendix for examples of sufficient and insufficient COCs. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached are lock confirmations and the XX/XX/XXXX LE demonstrating the change of circumstances that caused the increase in discount points, as well as the disclosure of the increase. Note the CLTV on the XX/XX/XXXX lock was below X, but increased to above X% on the XX/XX/XXXX lock; this is because the appraisal returned with a lower value than expected, and so the CLTV increased. Because of that, the base interest rate also increased, which caused the discount points to increase in order to keep the same final interest rate. This was then appropriately disclosed. This is a legitimate change of circumstance that was properly disclosed and should not require cure. - Seller-XX/XX/XXXX
Counter-The cure for the increase in the Loan Discount fee was not received. Upon receipt, the loan will be updated. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The loan discount fee increased on the Final CD by $XX compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The $X discount point addition was disclosed onX with the attached change of circumstance cover letter; cause appears to be the appraisal returned with a value lower than anticipated, causing the CLTV to rise over X% and impacting the rate, discount points were added to keep the final rate the same. This is a legitimate change of circumstances.
Additionally attached is documentation showing a $X cure was already applied, which should resolve all cure requirements. - SellerXX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Loan Discount and State Tax/Stamps fee was added to the Final CD in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached documentation for change of circumstance and post-closing cure again, per request. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Attached are lock confirmations and the XX/XX/XXXXLE demonstrating the change of circumstances that caused the increase in discount points, as well as the disclosure of the increase. Note the CLTV on theXX/XX/XXXXlock was below XX%, but increased to above X% on the XX/XX/XXXX lock; this is because the appraisal returned with a lower value than expected, and so the CLTV increased. Because of that, the base interest rate also increased, which caused the discount points to increase in order to keep the same final interest rate. This was then appropriately disclosed. This is a legitimate change of circumstance that was properly disclosed and should not require cure. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. The $XXdiscount point addition was disclosed on XX/XX/XXXXwith the attached change of circumstance cover letter; cause appears to be the appraisal returned with a value lower than anticipated, causing the CLTV to rise overX% and impacting the rate, discount points were added to keep the final rate the same. This is a legitimate change of circumstances.
Additionally attached is documentation showing a $X cure was already applied, which should resolve all cure requirements. - Seller-XX/XX/XXXX
 Cured-Cure provided. - Due Diligence Vendor-XX/XX/XXXX
 Cured-The documentation received for the COC was accepted. The loan still failed the cannot increase as a result of the rounding on the Loan Estimate. The increase was $X.  - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1939735    
XXXXXX SAIF2025CES0060   C B A A C B N/A N/A Closed 2623 07/05/24 07/15/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged- - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X COMAR higher-priced mortgage loan test. (X COMAR 09.03.06.02B(13) ,  COMAR 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations (COMAR).

While the X X provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines. Downgraded to a B grade. - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X.  Grade Remains B          Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1939519    
XXXXXX SAIF2025CES0060   C B A A C B N/A N/A Closed 3352 07/05/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged- - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -  Compliant HPML loan not allowed within lender guidelines. Downgraded to a B grade. - Due Diligence Vendor-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X  Grade Remains B          Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1939513    
XXXXXX SAIF2025CES0074   C B A A C B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X.  Grade Remains B   
 Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.      Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1941938    
XXXXXX SAIF2025CES0075   C B A A C B N/A N/A Closed 3634 07/17/24 08/09/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. A $XXX cure was applied at funding. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-The points fee increased on the Final CD by $XX compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. A $X cure was applied at funding. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2003140    
XXXXXX SAIF2025CES0075   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.     
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2003135    
XXXXXX SAIF2025CES0076   B B A A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.      Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971839    
XXXXXX SAIF2025CES0077   C B A A C B N/A N/A Closed 3634 07/12/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Corrected CD attached to show the part of the credit applied to cure fee tolerance. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Transfer Tax fee increased on the Final CD by $XX compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $XX/XX/XXXX with a PCCD, Proof of refund, LOE, and proof of delivery. The PCCD dated XX/XX/XXXX  indicated a lender credit in the amount of $XX. This lender credit was not applied to the exception for the increase in the amount of a fee. This was due to the document not indicating that part of the lender was for fees exceeding tolerance. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Corrected CD attached to show the part of the credit applied to cure fee tolerance. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1980054    
XXXXXX SAIF2025CES0077   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1980050    
XXXXXX SAIF2025CES0078   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by CX.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1938575    
XXXXXX SAIF2025CES1501 XXXXXX B B A A B B N/A N/A Closed 8422 06/23/24 07/13/24 Acknowledged  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X Report.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		 Acknowledged by client        XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0079   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by Carrington.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1936986    
XXXXXX SAIF2025CES0080   D B D A C B N/A N/A Closed FCRE1167 07/18/24 08/16/24 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-RCE was provided and sufficient coverage was verified. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please HOI Policy and RCE documents attached. showing an Estimated reconstruction cost as $XX - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $X is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Hazard coverage amount of X is insufficient coverage for all liens totaling $X.  An RCE was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please HOI Policy and RCE documents attached. showing an Estimated reconstruction cost as $X - Seller-XX/XX/XXXX
 Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2015011    
XXXXXX SAIF2025CES0080   D B D A C B N/A N/A Closed 3634 07/15/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cure is needed. Discount points were increased to XX in the CD dated XX/XX/XXXX  due to Rate Lock and then on the CD dated XX/XX/XXXX to $X because of Lock Extension/Relock/Rate Lock. Please see attached documents CD dated XX/XX/XXXX, XX/XX/XXXX. proof of delivery and a valid COC  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Loan Discount fee was added to the Revised CD in the amount of $XX without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No Cure is needed. Discount points were increased to X in the CD dated XX/XX/XXXX  due to Rate Lock and then on the CD dated XX/XX/XXXXto $X because of Lock Extension/Relock/Rate Lock. Please see attached documents CD dated XX/XX/XXXX, XX/XX/XXXX proof of delivery and a valid COC  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1993675    
XXXXXX SAIF2025CES0080   D B D A C B N/A N/A Closed 2962 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the XX higher-priced mortgage loan test.  (CA AB X, X Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.
While the X Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1993667    
XXXXXX SAIF2025CES0080   D B D A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1993665    
XXXXXX SAIF2025CES0081   C B A A C B N/A N/A Closed 3634 07/11/24 08/05/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The 3% discount points were added as of the X loan estimate, and disclosed, and the interest rate was reduced. In addition to the lower interest rate, the loan amount increased. Both of these are valid COCs allowing the addition of discount points. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Transfer Tax fee increased on the Initial CD by $X compared to the baseline without a valid COC. The Loan Discount fee was added to the Initial CD in the amount of $X without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The X% discount points were added as of the XX/XX/XXXXloan estimate, and disclosed, and the interest rate was reduced. In addition to the lower interest rate, the loan amount increased. Both of these are valid COCs allowing the addition of discount points. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1972742    
XXXXXX SAIF2025CES0081   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1972738    
XXXXXX SAIF2025CES0082   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence VendoR  XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1997399    
XXXXXX SAIF2025CES0083   C B C A B B N/A N/A Closed FCRE1437 07/10/24 09/19/24 Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Received copy of XXXXt,  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Missing statement attached. - Seller-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines The Borrower was qualified on a X month business bank statement.  Guidelines indicate X months prior bank statements must be provided to utilize the qualifying income. The <XX> bank statement is not located in file.  As a result a full consecutive X months of business bank statements were not located in file.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Missing statement attached. - Seller-XX/XX/XXXX
 Resolved-Received copy of May Univest Statement,  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
Qualifying DTI below max allowed. - The calculated DTI of X% is lower than the maximum allowed of X%.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1960047    
XXXXXX SAIF2025CES0083   C B C A B B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
Qualifying DTI below max allowed. - The calculated DTI of X% is lower than the maximum allowed of X%.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1942059    
XXXXXX SAIF2025CES0084   B B A A B B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1936947    
XXXXXX SAIF2025CES0085   D B D A C B N/A N/A Closed FCRE6913 07/08/24 08/01/24 Resolved 1 - Information D A Credit Missing Doc Documentation to support the payment reflected on the loan application as "Other" in the PITIA calculation was not located in file. Resolved-Documentation provided confirms the payment and balance with XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the lease agreement from Xshowing a debt for $XX - Seller-XX/XX/XXXX
Open-Missing required documentation to validate PITIA calculation. The final application indicates a debt with XX with a balance of $XX and a monthly payment of $XX.  The file contains a LOE from the Borrower indicating the Xpanels and roof were installed by <X>.  The file contains a sales receipt from <XX> with a total amount of $<XX> and balance due of $<X>.  The file does not contain documentation of the total balance of the account or the monthly payment.  QC utilized the payment on the final 1003 for calculation purposes. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the lease agreement from Xshowing a debt for $X Seller-XX/XX/XXXX
 Resolved-Documentation provided confirms the payment and balance with LX. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1947208    
XXXXXX SAIF2025CES0085   D B D A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1937150    
XXXXXX SAIF2025CES0086   D B D A C B N/A N/A Closed FCRE1316 07/08/24 08/01/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved- - Due Diligence Vendor-XX/XX/XXXX
Cured- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received The XX/XX/XXXX Number dated XX/XX/XXXX for the Borrower, which was within X days of closing.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see VOE attached between X days of closing.  - XX/XX/XXXX
Open-BorrowerX Xrd Party VOE Prior to Close Missing The file did not contain a verbal within X days of closing, as required.  The file contains a Work Number verification, which is dated XX/XX/XXXX  A verbal VOE dated XX/XX/XXXX was also located; however, it indicates the information was received from The Work Number.  The corresponding verification was not located in file.   - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see Xattached between X days of closing.  - Seller-XX/XX/XXXX
 Resolved:  VOE provided  Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1949354    
XXXXXX SAIF2025CES0086   D B D A C B N/A N/A Closed FCRE1495 07/10/24 08/01/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see VOE attached between 10 days of closing - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified Verbal VOE was not in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see VOE attached between Xdays of closing - Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1966258    
XXXXXX SAIF2025CES0086   D B D A C B N/A N/A Closed 3634 07/08/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No additional cure is needed. increased in State Tax/Stamps were cured by applying a Lender Credit for $XX please see Consummation CD under section J page # 2 of 5. See attached CD  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Transfer Tax fee increased on the Final CD by $XX compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No additional cure is needed. increased in XX were cured by applying a Lender Credit for $X, please see Consummation CD under section J page # XXof X. See attached CD  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1945978    
XXXXXX SAIF2025CES0086   D B D A C B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by XX  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1945971    
XXXXXX SAIF2025CES0087   D B D A C B N/A N/A Closed FCRE8658 07/16/24 08/08/24 Resolved 1 - Information D A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Updated approval was received to reflect the correct income and ratios. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Counter-Received updated Transmittal Summary and final application to reflect the grossed up income; however, still need the updated loan approval to reflect the grossed up income of $XX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached docs with grossed up income per request. - Seller-XX/XX/XXXX
Open-The loan approval, 1008 and 1003 do not reflect the correct income.  Income is reflected as $X.  This income did not include grossing up the BAS.  Grossing up the BAS, the total income is $X.  An updated application and 1008 would be required, as per guidelines.

It is noted, using the XX without grossing it up, the DTI would exceed XX% as the tax amount was incorrect at $XX/month.  The tax cert in file reflects annual taxes of $X, which is $XX a month.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Attached docs with grossed up income per request. - Seller-XX/XX/XXXX
 Resolved-Updated approval was received to reflect the correct income and ratios. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996349    
XXXXXX SAIF2025CES0087   D B D A C B N/A N/A Closed FCRE1495 07/16/24 08/08/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received VVOE dated XX/XX/XXXX which reflects active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The intent of the "Verification Completed By" information on the form in the file is to show the borrower was confirmed active as of that date and time. See the attached internal documentation showing this confirms the employment is Current. - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified Verbal VOE in file does not reflect the Borrower's status of employment - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The intent of the "Verification Completed By" information on the form in the file is to show the borrower was confirmed active as of that date and time. See the attached internal documentation showing this confirms the employment is Current. - Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided in subject property for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996282    
XXXXXX SAIF2025CES0087   D B D A C B N/A N/A Closed FCRE1316 07/16/24 08/05/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received VVOE dated XX/XX/XXXX which reflects active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Response attached to other related finding. - Seller-XX/XX/XXXX
Open-Borrower XX Party VOE Prior to Close Missing A verbal VOE is required on all loans.  The verbal VOE was located in file, but did not reflect all required information.  The Borrower's status of employment was not reflected.  It could not be determined if the Borrower was actively employed at the time of closing. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Response attached to other related finding. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1995711    
XXXXXX SAIF2025CES0087   D B D A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1972204    
XXXXXX SAIF2025CES0088   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 Subject LTV significantly less than required - The CLTV of X% is significantly less the  X% maximum.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1986830    
XXXXXX SAIF2025CES0089   C B A A C B N/A N/A Closed 3635 07/17/24 08/08/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation was received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The change of circumstance justifying the increase to lender title insurance was the requirement for curative title work. On X a XX was found on title, requiring the title report to be corrected and other information to be verified. Attached title report, schedule B item 8 shows the correction. - Seller-XX/XX/XXXX
Counter-The results of the test indicated the Lender Title Insurance was added to the Revised Closing Disclosure dated XX/XX/XXXX in the amount of $X. The recording fee was decreased to $Xwhich resulted in a decrease of $X. The net amount for the exception is $X- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please clarify which fees changed, or point to the location of the table referenced in the comment. Transfer taxes disclosed as $X, actual taxes at closing $X + $X= $X; title fees on initial LE total $X, final title fees $X, settlement fee was $X on initial and final disclosures. - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($XX) exceed the comparable charges ($X) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The change of circumstance justifying the increase to lender title insurance was the requirement for curative title work. On XX/XX/XXXX a private mortgage was found on title, requiring the title report to be corrected and other information to be verified. Attached title report, schedule B item 8 shows the correction. - Seller-XX/XX/XXXX
 Ready for Review-Please clarify which fees changed, or point to the location of the table referenced in the comment. Transfer taxes disclosed as $X actual taxes at closing $X + $X= $X; title fees on initial LE total $X final title fees $X settlement fee was $X on initial and final disclosures. - Seller-XX/XX/XXXX
 Resolved-The documentation was received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2004349    
XXXXXX SAIF2025CES0089   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1969628    
XXXXXX SAIF2025CES0091   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X . Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1970597    
XXXXXX SAIF2025CES0092   D B D A B B N/A N/A Closed FCRE7347 07/11/24 08/13/24 Resolved 1 - Information D A Credit Missing Doc Missing Lease Agreement Resolved-Documentation provided indicates the solar payment is based on usage and would therefore, be considered a utility.  New documentation was provided to reflect the updated debts and DTI. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see a new X,X, and Loan approval which reflected that debt from solar lease is now being excluded from the total debts. The Power Purchase Agreement in the file indicates that the monthly payment would be based on the energy produced. Since our second lien guidelines do not speak to solar we can fall back to FNMA guidelines, which don’t require a payment to be included since the power is a utility.  - Seller-XX/XX/XXXX
Counter-Documentation provided is the lease agreement; however, does not identify the X payment in qualifying.  Provide documentation to support payment amount. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see Solar Lease Agreement attached. - Seller-XX/XX/XXXX
Open-The lender considered a solar lease debt in the amount of X; however, the file did not contain documentation of this debt payment amount.  The solar lease is required to validate the payment used in ratio calculation. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see a new 1003, 1008, and Loan approval which reflected that debt from solar lease is now being excluded from the total debts. The X Agreement in the file indicates that the monthly payment would be based on the energy produced. Since our second lien guidelines do not speak to X we can fall back to X guidelines, which don’t require a payment to be included since the power is a X  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see Solar Lease Agreement attached. - SellerXX/XX/XXXX
 Resolved-Documentation provided indicates theXX is based on usage and would therefore, be considered a utility.  New documentation was provided to reflect the updated debts and DTI. - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 Subject LTV significantly less than required - The CLTV of X% is significantly less the  X% maximum.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1968211    
XXXXXX SAIF2025CES0092   D B D A B B N/A N/A Closed 2962 07/06/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the CA AB 260 higher-priced mortgage loan test.  (CA AB 260, California Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.
While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 Subject LTV significantly less than required - The CLTV of X% is significantly less the  X% maximum.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1941904    
XXXXXX SAIF2025CES0092   D B D A B B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by x.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 Subject LTV significantly less than required - The CLTV of X% is significantly less the  X% maximum.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1941902    
XXXXXX SAIF2025CES0093   B B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.
Time on job greater than X years - The Borrower has been on her job for X years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991951    
XXXXXX SAIF2025CES0095   C B A A C B N/A N/A Closed 3352 07/09/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan not allowed within lender guidelines. Elevated to Grade B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with same employer for X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1956277    
XXXXXX SAIF2025CES0096   B B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
  Time on job greater than X years - The Borrower has been employed by their current employer for more than X years.
 Subject LTV significantly less than required - The CLTV of X% is significantly less the  X% maximum.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988770    
XXXXXX SAIF2025CES0097   D B D A B B N/A N/A Closed FCRE1347 07/15/24 08/05/24 Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received VVOE for BorrowerXdated XX/XX/XXXXand reflects active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Attached to ATR finding - Seller-XX/XX/XXXX
Open-Borrower X Xrd Party VOE Prior to Close Missing The file does not contain a completed verbal VOE to meet guidelines for Borrower X.  The verbal VOE in file does not reflect the status of employment.  It could not be determined if the Borrower was actively employed at the time of closing. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Attached to X finding - Seller-XX/XX/XXXX
 Resolved-Borrower Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of X) - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.
Time in home greater than Xyears - The Borrowers have resided at the subject property for over Xyears.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993750    
XXXXXX SAIF2025CES0097   D B D A B B N/A N/A Closed FCRE1437 07/15/24 08/05/24 Resolved 1 - Information D A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The transcripts and X provided by the borrower confirm she was previously employed by the Oregon Department of Transportation, W2s attached. The letter of X is sufficient to demonstrate both the receipt and continuation of X, as it states the borrower receives the X and X X continue for life. - Seller-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines The application indicates Borrower X is receiving X.  The file documents this income was effective as of XX/XX/XXXX.  The Note is dated XX/XX/XXXX  Two years of employment/income has not been established.  It is noted, wage and income transcript confirm W2 earnings for XX/XX/XXXX and XX/XX/XXXX; however, XX/XX/XXXX was not available.  Additionally, the file did not contain evidence of receipt of VA benefits, only the letter of current benefits from VA. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-The transcripts and Xs provided by the borrower confirm she was previously employed by the X Department of Transportation, W2s attached. The letter of benefits is sufficient to demonstrate both the receipt and continuation of X disability benefits, as it states the borrower receives the disability compensation andX disability payments continue for life. - Seller-XX/XX/XXXX
 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.
Time in home greater than X years - The Borrowers have resided at the subject property for over Xyears.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993768    
XXXXXX SAIF2025CES0097   D B D A B B N/A N/A Closed FCRE1495 07/15/24 08/05/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received VVOE for Borrower X dated XX/XX/XXXX and reflects active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached internal notes, verified onXX/XX/XXXX. - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not XXE in file is not completed to confirm the status of B2 employment. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached internal notes, verified on XX/XX/XXXX- Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.
Time in home greater than X years - The Borrowers have resided at the subject property for over Xyears.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993814    
XXXXXX SAIF2025CES0097   D B D A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains X- Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.
Time in home greater than X years - The Borrowers have resided at the subject property for over Xyears.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971450    
XXXXXX SAIF2025CES0098   D B D A C B N/A N/A Closed FCRE1334 07/09/24 07/31/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Received copy of executed x-C.  Exception cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower x Executed x-T Missing All Borrowers whos income is used to qualify must sign and date a completed IRS Form X.  This is a loan program requirement. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Received copy of executed 4506-C.  Exception cleared - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1956969    
XXXXXX SAIF2025CES0098   D B D A C B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by XXXX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1942082    
XXXXXX SAIF2025CES0099   B B A A B B N/A N/A Closed 3352 07/18/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by x. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2010429    
XXXXXX SAIF2025CES0100   C B A A C B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by XX.  Grade Remains B - Due Diligence VendorXX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X  is less than the maximum allowed of X%.
Time in home greater than X years - The Borrowers have resided at the subject property for over Xyears.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1947616    
XXXXXX SAIF2025CES0101   C B A A C B N/A N/A Closed 2962 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the CA AB 260 higher-priced mortgage loan test.  (CA AB 260, California Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.
While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.
Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%. 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2006214    
XXXXXX SAIF2025CES0101   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.
Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%. 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2006212    
XXXXXX SAIF2025CES0102   B B A A B B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1947011    
XXXXXX SAIF2025CES0103   D B D A C B N/A N/A Closed FCRE1167 07/19/24 08/08/24 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided Resolved-Sufficient coverage has been provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Could you please kindly review one more time the coverage from HOI policy? Per the documents on file, the first lien is $X plus 2nd lien of $X = $X. The Dwelling base is $Xplus Other Structures $X = $X seems like there is enough coverage. Please see attached documents.  - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $X is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Coverage of X is not sufficient for total liens of X.  Replacement Cost Estimator by insurer was not provided. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Could you please kindly review one more time the coverage from X policy? Per the documents on file, the first lien is $X plus 2nd lien of $X= $1X The Dwelling base is $Xplus Other Structures $X = $X seems like there is enough coverage. Please see attached documents.  - Seller-0XX/XX/XXXX
 Resolved-Sufficient coverage has been provided. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - LTV/CLTV of $X are significantly less than the X maximum allowed.
Time in home greater than X years - Borrowers have been at the subject property for X years.  		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2019924    
XXXXXX SAIF2025CES0103   D B D A C B N/A N/A Closed 2261 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the XX Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While theXX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1991247    
XXXXXX SAIF2025CES0103   D B D A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1991245    
XXXXXX SAIF2025CES0104   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.
Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1939920    
XXXXXX SAIF2025CES0105   B B A A B B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1940018    
XXXXXX SAIF2025CES0106   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Compensating factors include the Borrower's time at current residence for more than X years.
Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1966100    
XXXXXX SAIF2025CES0108   C B A A C B N/A N/A Closed 2502 07/11/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CT Nonprime Home Loan Test Acknowledged-Acknowledged by x Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X nonprime home loan test.

The loan is a nonprime home loan, as defined in the legislation. For more information please see the X Nonprime Home Loan Article section of the full Compliance Analyzer report.

While the X  Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1967853    
XXXXXX SAIF2025CES0108   C B A A C B N/A N/A Closed 3352 07/11/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1967851    
XXXXXX SAIF2025CES0109   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI X%, maximum  X
Subject LTV significantly less than required - LTVX%, maximumX		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1973635    
XXXXXX SAIF2025CES0110   D B D A D B N/A N/A Closed FCRE1334 07/15/24 08/05/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower x Executed x Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received executed x dated XX/XX/XXXX.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower x Executed x Missing x for Borrower x was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1988956    
XXXXXX SAIF2025CES0110   D B D A D B N/A N/A Closed FCOM2536 07/12/24 08/05/24 Resolved 1 - Information D A Compliance Missing Doc Missing E-sign consent form Resolved-Electronic disclosures found in file, missing E-Consent - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received E-Consent disclosure dated XX/XX/XXXX.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Electronic disclosures found in file, missing E-Consent The loan file is missing a copy of the fully executed E-Consent disclosure.
 
 - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Electronic disclosures found in file, missing E-Consent - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been on his job for X years.  The Co-Borrower has been her job for X years.
  XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1974965    
XXXXXX SAIF2025CES0110   D B D A D B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Time on job greater than X years - Borrower has been self employed overX years     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1974975    
XXXXXX SAIF2025CES0111   D A D A A A N/A N/A Closed FCRE6912 07/18/24 08/15/24 Resolved 1 - Information D A Credit Missing Doc Missing documentation to support omission of debts Resolved-Documentation provided is sufficient to indicate the X is not on the lease. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. We received a confirmation from bar stating that there is no new lease agreement. please see the email attached received from our borrower - Seller-XX/XX/XXXX
Open-B1 was qualified with X primary housing expense. The file contains a primary housing lease agreement executed by XX XXonly. The lease expired XX/XX/XXXX The lease contains a renewal clause; however, the terms of renewal were not documented in the file to support the lease renewal in spouse's name only.  If the monthly housing expense of X was included, the DTI would increase to X from X - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. We received a confirmation from bwr stating that there is no new lease agreement. please see the email attached received from our borrower - SellerXX/XX/XXXX
 Resolved-Documentation provided is sufficient to indicate the Borrower is not on the lease. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2016789    
XXXXXX SAIF2025CES0111   D A D A A A N/A N/A Closed FCRE8658 07/24/24 08/13/24 Resolved 1 - Information D A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Updated 1003, loan approval and 1008 was received to reflect the correct HOA and DTI. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see a new 1003, Loan Approval, and 1008 attached showing corrections on the HOA fees. DTI is not increased to X% - Seller-XX/XX/XXXX
Open-The HOA of $X was utilized in qualifying the Borrower; however, the appraisal indicates the HOA is $X per month.  The DTI is increased from X% to X%.  A new final application, Transmittal Summary and loan approval should be provided per guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see a new 1003, Loan Approval, and 1008 attached showing corrections on the HOA fees. DTI is not increased to X - Seller-XX/XX/XXXX
 Resolved-Updated 1003, loan approval and 1008 was received to reflect the correct HOA and DTI. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2051254    
XXXXXX SAIF2025CES0112   B B A A B B N/A N/A Closed 3352 07/02/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1921023    
XXXXXX SAIF2025CES0113   D B D A C B N/A N/A Closed FCRE1168 07/09/24 08/20/24 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved-Hazard Insurance Coverage Amount of $XX/XX/XXXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $X - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-RCE provided and HOI coverage is sufficient. - Due Diligence VendorXX/XX/XXXX
Ready for Review-Document Uploaded. Please see one more time Replacement Cost Estimate attached.  - Seller-XX/XX/XXXX
Counter-RCE was not provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please see the Replacement Cost Estimate attached showing the amount of $XX as RCE - Seller-XX/XX/XXXX
Counter-Loss of use coverage is not an allowable inclusion in this calculation.  Provide a copy of RCE validating coverage is sufficient. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see HOI Policy and Notes from Xst and Xnd liens attached. Per HOI The Dwelling coverage is $XX plus Other Structures of $Xand Loss of use of $X total coverage is $X. 1st lien value is $X= Xnd Lien for $XX = XX enough to cover the two notes. - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $X is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of X is less than all Subject Lien(s) of Senior lien amount X and subject of X. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see one more time Replacement Cost Estimate attached.  - Seller-XX/XX/XXXX
 Ready for Review-Please see the Replacement Cost Estimate attached showing the amount of $X as RCE - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see HOI Policy and Notes from X st and X nd liens attached. Per HOI The Dwelling coverage is $X plus Other Structures of $X and Loss of use of $Xtotal coverage is $XXX 1st lien value is $XXX= Xnd Lien for $X = X enough to cover the two notes. - Seller-XX/XX/XXXX
 Resolved-Hazard Insurance Coverage Amount of $Xis equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $X - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1956868    
XXXXXX SAIF2025CES0113   D B D A C B N/A N/A Closed 3634 07/06/24 07/30/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No cure is needed. increased in discount point fee were caused due to Rate lock/relock/lock extension. Please see the attached docs including LE dated XX/XX/XXXX, Valid COC, Proof of delivery, and explanation of the rate lock.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Points - Loan Discount fee increased on the Final CD by $XX compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No cure is needed. increased in discount point fee were caused due to Rate lock/relock/lock extension. Please see the attached docs including LE dated XX/XX/XXXX Valid COC, Proof of delivery, and explanation of the rate lock.  - Seller-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1941975    
XXXXXX SAIF2025CES0113   D B D A C B N/A N/A Closed 3352 07/06/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1941971    
XXXXXX SAIF2025CES0114   D B D A C B N/A N/A Closed FCRE5782 07/22/24 08/05/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Gap Credit Report is Missing Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received complete gap report dated XX/XX/XXXX.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Complete copy attached, date is XX/XX/XXXX. - Seller-XX/XX/XXXX
Open-Borrower 1 Gap Credit Report is Missing The credit report in file is over Xdays old.  A gap report is required.  The file contains a Loan Quality Cross Check; however, page one is missing.  The date of this document could not be determined. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Complete copy attached, date is XX/XX/XXXX. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been self employed overX years
Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2034071    
XXXXXX SAIF2025CES0114   D B D A C B N/A N/A Closed 3352 07/15/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been self employed overX years
Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1986074    
XXXXXX SAIF2025CES0115   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has resided in the subject property in excess of X years.
Time on job greater than X years - The Borrower has been with the same employer since X and in the same line of business for X years.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2002269    
XXXXXX SAIF2025CES0116   C B A A C B N/A N/A Closed 2962 07/12/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the XX/XX/XXXXhigher-priced mortgage loan test.  (XX Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXa Financial Code.
While the XX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been self employed overX years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1981320    
XXXXXX SAIF2025CES0116   C B A A C B N/A N/A Closed 3352 07/12/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX/XX/XXXX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been self employed overX years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1981318    
XXXXXX SAIF2025CES0117   C B A A C B N/A N/A Closed 3634 07/08/24 08/05/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see PCCD plus pymt history attached showing a cure for $X for an increase in Transfer Tax/Stamps - Seller-XX/XX/XXXX
Counter-The fee amounts indicated on the Initial LE and Final CD are correct. It is indicated this fee is tested with a X% tolerance. However, the transfer taxes are tested on the zero tolerance test. Please provide a valid COC for the increase in the fee amount to $X from $X or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.   - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cured is needed. In the Initial LE dated XX/XX/XXXX, the transfer fees were disclosed as $X and the recording fees as $Xby looking at the final CD the Recording fees were disclosed to be $X and the Transfer taxes/state taxes/stamps were disclosed as $X0 = $X but there is a tolerance for no more than X% from the original disclosed $X = $X. Please see the initial LE and final CD attached. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - - The Transfer Tax fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see PCCD plus pymt history attached showing a cure for $X for an increase in Transfer Tax/Stamps - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. No Cured is needed. In the Initial LE dated XX/XX/XXXX, the transfer fees were disclosed as $X and the recording fees as $X by looking at the final CD the Recording fees were disclosed to be $X and the Transfer taxes/state taxes/stamps were disclosed as $X = $X but there is a tolerance for no more than X% from the original disclosed $X X X% = $X. Please see the initial LE and final CD attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence VendorXX/XX/XXXX
 Time on job greater thanX years - The Borrower has been with the same employer for over X years.
Time in home greater than X years - The Borrowers have resided at the subject property for over X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1946057    
XXXXXX SAIF2025CES0117   C B A A C B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater thanX years - The Borrower has been with the same employer for over X years.
Time in home greater than X years - The Borrowers have resided at the subject property for over X years.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1946052    
XXXXXX SAIF2025CES0118   D B D A B B N/A N/A Closed FCRE4963 07/12/24 08/01/24 Resolved 1 - Information D A Credit Debt No evidence of required debt payoff Resolved-Documentation provided to support this is a revolving account.  Updated statement reflects payment amount and the DTI was not impacted. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please note, updated statement reflects updated balance and payment. - Seller-XX/XX/XXXX
Open-Guidelines require all open X-day charge accounts with balances to be paid off.  The credit report reflects a debt with X balance of X.  The credit report indicates the payment term as a monthly account.  Lender used X% of the balance to calculate payment. QC mirrored the same. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please note, updated statement reflects updated balance and payment. - Seller-XX/XX/XXXX
 Resolved-Documentation provided to support this is a revolving account.  Updated statement reflects payment amount and the DTI was not impacted. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.
Time in home greater than X years - Borrower has resided at the subject property for over X years		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1978855    
XXXXXX SAIF2025CES0118   D B D A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.
Time in home greater than X years - Borrower has resided at the subject property for over  X years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971197    
XXXXXX SAIF2025CES0119   B B A A B B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. Elevated to Grade B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than Xyears - The Borrower has been in their home for X years.
Time on job greater than Xyears - The Borrower has been on their job for Xyears. 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1935435    
XXXXXX SAIF2025CES0120   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with her current employer for X  years.  The Co-Borrower has been employed with his employer X years.
Time in home greater than X years - The Borrowers have resided at the subject property for X years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1940498    
XXXXXX SAIF2025CES0121   C B A A C B N/A N/A Closed 3634 07/10/24 04/24/25 Resolved 2 - Non-Material C B Compliance TRID Charges That Cannot Increase Test Cured-Cure Provided. - Due Diligence Vendor-XX/XX/XXXX
Cured-The documentation received was sufficient for the resolution of the exception.
 - Due Diligence Vendor-XX/XX/XXXX
Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cure attached, total $X. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The transfer tax fee were added to the Revised Loan Estimate in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX/XX/XXXX with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The appraisal re-inspection and transfer tax fee were added to the Initial CD in the amount of $X and $Xwithout a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Appraisal reinspection fee was added because the appraisal came back subject to completion, requiring the installation of several carbon monoxide detectors. CMS disclosed this change of circumstance appropriately, becoming aware of the change on X and disclosing it on X
Reviewing the transfer tax change to determine whether cure is required, for now please address the appraisal reinspection COC. - Seller-XX/XX/XXXX		 Ready for Review-Document Uploaded. Cure attached, total $X. - Seller-XX/XX/XXXX
 Ready for Review-Appraisal reinspection fee was added because the appraisal came back subject to completion, requiring the installation of several carbon monoxide detectors. CMS disclosed this change of circumstance appropriately, becoming aware of the change on X and disclosing it on X
Reviewing the transfer tax change to determine whether cure is required, for now please address the appraisal reinspection COC. - Seller-XX/XX/XXXX
 Cured-Cure Provided. - Due Diligence Vendor-0XX/XX/XXXX
 Cured-The documentation received was sufficient for the resolution of the exception.
 - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrowers have resided at the subject property for over X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963573    
XXXXXX SAIF2025CES0121   C B A A C B N/A N/A Closed 3635 07/10/24 04/24/25 Resolved 2 - Non-Material C B Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Cured-Cure provided. - Due Diligence Vendor-XX/XX/XXXX
Cured-The documentation received was sufficient for the resolution of the exception.
 - Due Diligence VendorXX/XX/XXXX
Resolved- - Due Diligence VendorXX/XX/XXXX
Ready for Review-Document Uploaded. Cure attached, total $XX/XX/XXXX. - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% X exceed the comparable charges X by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than X percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Delivery.
  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Cure attached, total $X. - SellerXX/XX/XXXX
 Cured-Cure provided. - Due Diligence Vendor-XX/XX/XXXX
 Cured-The documentation received was sufficient for the resolution of the exception.
 - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
Time in home greater than X years - The Borrowers have resided at the subject property for over X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963569    
XXXXXX SAIF2025CES0121   C B A A C B N/A N/A Closed 2623 07/10/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X X higher-priced mortgage loan test. ( X COMAR 09.03.06.02B(13) ,  X 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations (X).

While the X X provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrowers have resided at the subject property for over X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963574    
XXXXXX SAIF2025CES0121   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for X years     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963567    
XXXXXX SAIF2025CES0122   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1970011    
XXXXXX SAIF2025CES0123   B B A A B B N/A N/A Closed 3352 07/03/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time on job greater than Xyears - The Borrower has been working for their current employer for more than X years.
Time in home greater than Xyears - The Borrowers have lived in the subject property for more thanX years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1932227    
XXXXXX SAIF2025CES0125   D B D A C A N/A N/A Closed 3634 07/02/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The Documentation Preparation fee is part of the Settlement Charges. the COC that we sent to our borrowers indicated that one part of the settlement charges are changed. If you want me to edit the COC to show that "Documents Preparation Fee change" I may be able to do that. Please advise. but our borrower was aware of and agreed with these changes. Please advise. Thank you - Seller-XX/XX/XXXX
Counter-The documented COC received does not have a valid reason for the change in circumstance. The COC indicated the reason as a Borrower requested change and loan amount changed. The Initial LE indicated a loan amount of Xwhich is the same amount reflected on the Final CD. Please provide a valid COC for the inclusion in the Doc Prep Fee or the cure. Cure requirement includes a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.   - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cured needed. An increase in docs prep fee was done with a valid COC. Please see the attached CD, Valid COC and proof of delivery.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Title Document Preparation Fee was added to the Initial CD in the amount of $Xwithout a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X  with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-The Documentation Preparation fee is part of the Settlement Charges. the COC that we sent to our borrowers indicated that one part of the settlement charges are changed. If you want me to edit the COC to show that "Documents Preparation Fee change" I may be able to do that. Please advise. but our borrower was aware of and agreed with these changes. Please advise. Thank you - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. No Cured needed. An increase in docs prep fee was done with a valid COC. Please see the attached CD, Valid COC and proof of delivery.  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
Qualifying DTI below max allowed. - The maximum allowable DTI is X% and the subject DTI is X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1923978    
XXXXXX SAIF2025CES0125   D B D A C B N/A N/A Closed FCRE1156 07/08/24 07/31/24 Resolved 1 - Information D A Credit Insurance Named Insured on Hazard Insurance does not match Borrower(s) Name(s) Resolved-Received updated copy of HOI declaration page.  Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see an Updated HOI policy attached with a correction on the borrower's name.  - Seller-XX/XX/XXXX
Open-Named Insured does not match Borrower(s) Name(s) The hazard policy in file indicates the Borrower's name as <XX>; however, the loan documents do not reflect <X>. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see an Updated HOI policy attached with a correction on the borrower's name.  - Seller-XX/XX/XXXX
 Resolved-Received updated copy of HOI declaration page.  Condition cleared. - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
Qualifying DTI below max allowed. - The maximum allowable DTI is X% and the subject DTI is X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1944996    
XXXXXX SAIF2025CES0125   D B D A C B N/A N/A Closed 3352 07/02/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan, Lender did not meet appraisal requirements. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
Qualifying DTI below max allowed. - The maximum allowable DTI is X% and the subject DTI is X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1923973    
XXXXXX SAIF2025CES0126   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991372    
XXXXXX SAIF2025CES0127   D B D A C B N/A N/A Closed FCRE1167 07/10/24 08/21/24 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hazard policy with sufficient coverage and updated loan approval, 1008 and 1003 reflecting higher monthly hazard payment uploaded. - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $X is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $Xis less than all Subject Lien(s).  A Replacement Cost Estimator by Insurer was not Provided. The total of both the first and second liens on the subject property is X; however, the hazard insurance coverage reflects X and is insufficient. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Hazard policy with sufficient coverage and updated loan approval, 1008 and 1003 reflecting higher monthly hazard payment uploaded. - Seller-XX/XX/XXXX
 Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1962072    
XXXXXX SAIF2025CES0127   D B D A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1960920    
XXXXXX SAIF2025CES0128   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor
Open-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2003702    
XXXXXX SAIF2025CES0129   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.     
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2007040    
XXXXXX SAIF2025CES0130   C B A A C B N/A N/A Closed 3634 07/10/24 08/08/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The Change of Circumstance is attached, the rate was locked on that date. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Loan Discount fee was added to the Revised LE dated XX/XX/XXXX in the amount of $X without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The Change of Circumstance is attached, the rate was locked on that date. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than Xyears - The Borrower has owned the subject property for X years		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1959267    
XXXXXX SAIF2025CES0130   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged byX Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater thanX years - The Borrower has owned the subject property for X years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1959263    
XXXXXX SAIF2025CES0131   C B A A C B N/A N/A Closed 2623 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X X higher-priced mortgage loan test. ( X 09.03.06.02B(13) ,  COMAR 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations X

While the X Xprovisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI of X is less than guideline maximum DTI of X     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1987102    
XXXXXX SAIF2025CES0131   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI of X is less than guideline maximum DTI of X     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1987094    
XXXXXX SAIF2025CES0132   C A C A A A N/A N/A Closed FCRE7001 07/12/24 08/01/24 Resolved 1 - Information C A Credit Eligibility Borrower 2 - Identification in file expired at time of closing Resolved-BorrowerX Photo ID is greater than the transaction date - Due Diligence VendorXX/XX/XXXX
Ready for Review-Received an interim/extension with an expiration date of XX/XX/XXXX for the Co-Borrower.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated ID uploaded. - Seller-XX/XX/XXXX
Open-Borrower X Photo ID type is Standard Driver's License - Not for federal Use and expiration date is XX/XX/XXXX less than the transaction date of XX/XX/XXXX Driver's license for Borrower X expired XX/XX/XXXX, which was prior to subject transaction date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Updated ID uploaded. - Seller-XX/XX/XXXX
 Resolved-BorrowerX Photo ID is greater than the transaction date - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with his employer for over X years.  The Co-Borrower has been employed by her employer for overXyears
Time in home greater than X years - The Borrowers have resided at the subject property for X years
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowable of X%		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1975553    
XXXXXX SAIF2025CES0134   B B A A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971353    
XXXXXX SAIF2025CES0135   D B A A D B N/A N/A Closed FCOM3957 07/19/24 08/02/24 Resolved 1 - Information D A Compliance TRID TRID: Initial Loan Estimate not provided within 3 days of application Resolved-The documentation received was sufficient for resolution to the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-The Initial Loan Estimate was not located in the loan file. The Disclosure Tracking Detail indicated the Initial Loan Estimate was delivered on XX/XX/XXXX however, the loan file does not contain a Loan Estimate dated the same. The cure would be the receipt of the Initial Loan Estimate. The receipt of the Initial Loan Estimate could result   additional exceptions. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for resolution to the exception. - Due Diligence Vendor-Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2019895    
XXXXXX SAIF2025CES0135   D B A A D B N/A N/A Seller 2261 07/18/24 08/02/24 Open 2 - Non-Material B B Compliance Points & Fees NC Rate Spread Home Loan Test Open- - Due Diligence Vendor-XX/XX/XXXX
Rescinded-This loan failed the NC rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the XX Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the XX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Rescinded-This loan failed the xrate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the x Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the XX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2016304    
XXXXXX SAIF2025CES0135   D B A A D B N/A N/A Seller 3352 07/18/24 08/02/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Open- - Due Diligence Vendor-XX/XX/XXXX
Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2016301    
XXXXXX SAIF2025CES0136   C B A A C B N/A N/A Closed 3352 07/13/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan not allowed within lender guidelines. - Due Diligence Vendor-07/15/2024		   Acknowledged-Acknowledged-Acknowledged by x Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1983182    
XXXXXX SAIF2025CES0137   D B D A B B N/A N/A Closed FCRE1155 07/14/24 09/05/24 Resolved 1 - Information D A Credit Insurance Subject Property Address on Note does not match Insured Property Address Resolved-Received copy of X zip code lookup, able to recreate, zip is attributed to X and X Falls.  Exception Resolved - Due Diligence Vendor-XX/XX/XXXX
Counter-Please provide updated hazard insurance policy with property city of X to match all documents in file. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Response regarding city name uploaded. - Seller-XX/XX/XXXX
Open-Subject Property on Note does not match Insured Property Address The Note reflects the city of X for the subject property; however, the city reflected on the hazard insurance policy is X. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Response regarding city name uploaded. - Seller-XX/XX/XXXX
 Resolved-Received copy of USPS zip code lookup, able to recreate, zip is attributed to X and X.  Exception Resolved - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1984198    
XXXXXX SAIF2025CES0137   D B D A B B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1976939    
XXXXXX SAIF2025CES0139   B B A A B B N/A N/A Closed 3352 07/23/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2040835    
XXXXXX SAIF2025CES0140   D B D B C B N/A N/A Closed FCRE1497 07/29/24 09/05/24 Acknowledged 2 - Non-Material C B Credit QM-ATR ATR: Reasonable Income Not Considered Acknowledged-Document Uploaded.  - Due Diligence Vendor-XX/XX/XXXX
Acknowledged-Lender exception requested and accepted by investor.  Lender compensating factors - FICO Xresidual income  $X per month, time on job Xyears. - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Reasonable Income or Assets Not Considered Lower overtime income was calculated for the Borrower, resulting in the DTI exceeding  X%. - Due Diligence Vendor-XX/XX/XXXX		    XX/XX/XXXX  Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
FICO X,
Residual income  $Xper month		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2081706    
XXXXXX SAIF2025CES0140   D B D B C B N/A N/A Closed FCRE1193 07/29/24 09/05/24 Acknowledged 2 - Non-Material D B Credit Eligibility Audited DTI Exceeds Guideline DTI Acknowledged-Lender exception requested and accepted by investor.  Lender compensating factors - FICO X, residual income  $X per month, time on job Cyears. - Due Diligence Vendor-XX/XX/XXXX
Open-Audited DTI of X% exceeds Guideline DTI of X% DTI exceeds X% due to lower overtime income calculation.  Finding issues from guideline review. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Lender exception requested and accepted by investor.  Lender compensating factors - FICO XX, residual income  $X per month, time on job X years. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
FICO X,
Residual income  $Xper month		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2081709    
XXXXXX SAIF2025CES0140   D B D B C B N/A N/A Closed FCRE6911 07/29/24 09/05/24 Acknowledged 2 - Non-Material D B Credit Eligibility DTI exceeds program maximum Acknowledged-Document Uploaded. Lender exception requested and accepted by investor.  Lender compensating factors - FICO X residual income  $X per month, time on job X years. - Due Diligence Vendor-XX/XX/XXXX
Open-The DTI of X% exceeds program guidelines of X%.  Overtime income of X was used for qualifying.  This was based off a X month average of the YTD earnings of X.  The file contains an updated Work Number to reflect overtime of X.  Averaged over X months, the income is X a month.  This decrease resulted in the excessive DTI. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Document Uploaded. Lender exception requested and accepted by investor.  Lender compensating factors - FICO X, residual income  $Xper month, time on job X years. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
FICO X,
Residual income  $Xper month		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2081743    
XXXXXX SAIF2025CES0140   D B D B C B N/A N/A Closed FCRE6912 07/29/24 08/21/24 Resolved 1 - Information D A Credit Missing Doc Missing documentation to support omission of debts Resolved-Documentation provided to confirm the individual paying this debt is a joint account holder.  Accepted the Xmonth payment history due to the supplemental report provided indicates the debt is paid in full. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Credit supplement reflecting joint account paid by wife is now paid in full with no balance and monthly payment. - Seller-XX/XX/XXXX
Open-The monthly payment on the account with <XX> for X was not considered in qualifying. The file contains documentation the debt is paid by a third party.  However, only X payments were provided.  The bank statement dated XX/XX/XXXXdid not reflect the withdrawal of the month payment.  Additionally, documentation to indicate this third party is the joint account holder on this account was not documented.  Documentation of the joint account holder and an additional payment made by the third party is required. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Credit supplement reflecting joint account paid by X is now paid in full with no balance and XX. - Seller-XX/XX/XXXX
 Resolved-Documentation provided to confirm the individual paying this debt is a joint account holder.  Accepted the 11 month payment history due to the supplemental report provided indicates the debt is paid in full. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
FICO X,
Residual income  $Xper month		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2081776    
XXXXXX SAIF2025CES0140   D B D B C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged byX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
FICO X,
Residual income  $Xper month		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993587    
XXXXXX SAIF2025CES0141   B B A A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for over X years.
Time on job greater than X years - Borrower has been with the same primary employer for overX years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1968364    
XXXXXX SAIF2025CES0142   B B A A B B N/A N/A Closed 3352 07/23/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years. 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2039022    
XXXXXX SAIF2025CES0143   C B A A C B N/A N/A Closed FCOM1223 07/12/24 07/30/24 Resolved 1 - Information C A Compliance Closing The Deed of Trust is Not Executed Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Recorded DOT uploaded including page X. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Not Executed - Page X of X was not located in the loan file. Page X contains the Borrower and Notary signatures. The Notary date for the compliance test used was the Note date of XX/XX/XXXX. If the Notary date does not match the Note additional findings could be a result. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Recorded DOT uploaded including page X. - Seller-XX/XX/XXXX
 Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is below the maximum allowed of x%.
Time in home greater than X years - Borrower has reside at the subject property for Xyears and X months.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1979841    
XXXXXX SAIF2025CES0143   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The max CLTV allowed isX%.  The CLTV on the subject transaction isX%.
Time on job greater thanX years - The Borrower has been employed with the current employer for Xyears.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1939024    
XXXXXX SAIF2025CES0144   C B A A C B N/A N/A Closed 3352 07/19/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater thanXyears - The Borrower has been employed with his current employer for over Xyears
Time in home greater than X years - The Borrower has resided at the subject property for 1X years
Subject LTV significantly less than required - Subject LTV/CLTV of X significantly less than guideline maximum 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2020208    
XXXXXX SAIF2025CES0145   C B C A B B N/A N/A Closed FCRE1254 07/20/24 08/07/24 Resolved 1 - Information C A Credit Title Property Title Issue Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received updated title report to reflect Borrowers were deeded onto property XX/XX/XXXX to match warranty deed.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Revised report uploaded. - Seller-XX/XX/XXXX
Open-Property Title Issue The Title Report reflects Borrower was vested on title XX/XX/XXXX.  However, the Title Report also reflects a mortgage dated XX/XX/XXXX with the Borrower shown as the mortgagor.  The file contains a  warranty deed, which reflects Borrower was granted the subject property on XX/XX/XXXX.  An updated title report should be obtained to reflect the correct information. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Revised report uploaded. - Seller-XX/XX/XXXX
 Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2026860    
XXXXXX SAIF2025CES0145   C B C A B B N/A N/A Closed 3352 07/24/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2045637    
XXXXXX SAIF2025CES0146   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by XGrade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1979702    
XXXXXX SAIF2025CES0147   C B C A B B N/A N/A Closed FCRE1437 07/11/24 07/31/24 Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received copy of child support agreement and evidence of continuance.  Condition cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines The file did not contain all requirement documentation for the child support income.  The conditions of the child support, such as a court order or written legal agreement, and evidence this income will continue for three years was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Income and Employment Meet Guidelines - Due Diligence VendorXX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1973531    
XXXXXX SAIF2025CES0147   C B C A B B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1939311    
XXXXXX SAIF2025CES0148   B B A A B B N/A N/A Closed 3352 07/14/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence VendorXX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1984576    
XXXXXX SAIF2025CES0149   B B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Subject LTV significantly less than required - TheX% CLTV is significantly lower than the X% maximum CLTV. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991448    
XXXXXX SAIF2025CES0150   C B A A C B N/A N/A Closed 3352 07/11/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines.  Exception graded B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - Compensating Factors include a low CLTV of X % where maximum is X%
Time on job greater than X years - Compensating Factors include Borrower employed at current employer for X years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1968220    
XXXXXX SAIF2025CES0151   B B D A B B N/A N/A Closed FCRE1334 07/08/24 07/30/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-07/30/2024

Ready for Review-Document Uploaded. Signed 4506 attached. - Seller-07/29/2024

Open-Borrower 1 Executed 4506-T Missing A 4506-C completed and signed by the Borrower was not located in file.  - Due Diligence Vendor-07/08/2024		 Ready for Review-Document Uploaded. Signed 4506 attached. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - Compensating Factors include a low CLTV of X % where maximum is X%

Time in home greater than X years - The Borrower has lived in their current home for overX years.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1944994    
XXXXXX SAIF2025CES0151   B B D A B B N/A N/A Closed 3352 07/03/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower has lived in their current home for over X years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1928665    
XXXXXX SAIF2025CES0152   C B A A C B N/A N/A Closed 3634 07/18/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disclosure tracking details reflecting X uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 1-The appraisal fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Disclosure tracking details reflecting VCOC uploaded. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2010214    
XXXXXX SAIF2025CES0152   C B A A C B N/A N/A Closed 3352 07/18/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2010206    
XXXXXX SAIF2025CES0153   C B A A C B N/A N/A Closed 3352 08/02/24 08/06/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged- - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX
Open-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Compliant HPML - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X  Grade Remains B    Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears.
Subject LTV significantly less than required - The qualifying LTV of X% is lower then the maximum allowable of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2108802    
XXXXXX SAIF2025CES0153   C B A A C B N/A N/A Closed 3635 07/18/24 08/02/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See attached explanation for change of circumstance justifying the addition of $X document preparation fee. Additional Parties Added/Removed from Title. - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X) exceed the comparable charges ($X) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -  The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Shipment.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. See attached explanation for change of circumstance justifying the addition of $X document preparation fee. Additional Parties Added/Removed from Title. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears.
Subject LTV significantly less than required - The qualifying LTV of X% is lower then the maximum allowable of X%		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2016011    
XXXXXX SAIF2025CES0153   C B A A C B N/A N/A Closed 3634 07/14/24 08/02/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached closing disclosures demonstrating the change of circumstance causing the increase to discount points - the loan amount increased from $X to $X This is a valid change of circumstance, please rescind this finding. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Points - Loan Discount fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached closing disclosures demonstrating the change of circumstance causing the increase to discount points - the loan amount increased from $Xo $X. This is a valid change of circumstance, please rescind this finding. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been with the same primary employer for overX years.
Time in home greater than X years - The Borrower has resided at the subject property for Xyears.
Subject LTV significantly less than required - The qualifying LTV of X% is lower then the maximum allowable of X%		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1984516    
XXXXXX SAIF2025CES0154   B B A A B B N/A N/A Closed 3352 07/08/24 07/17/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan allowed within lender guidelines - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1948574    
XXXXXX SAIF2025CES0155   C B A A C B N/A N/A Closed 3352 07/05/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1935068    
XXXXXX SAIF2025CES0156   C B A A C B N/A N/A Closed 3352 07/11/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Confirmed loan grade reported as B and has been acknowledged per prior discussion with client. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please note, a full appraisal was included with the package and exception should be downgraded and waived to a 2. - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Please note, a full appraisal was included with the package and exception should be downgraded and waived to aX. - Seller-XX/XX/XXXX
 Acknowledged-Confirmed loan grade reported as B and has been acknowledged per prior discussion with client. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1970669    
XXXXXX SAIF2025CES0157   C B A A C B N/A N/A Closed 2261 07/12/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the X Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the X Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML loan allowed within lender guidelines, exception grade B.    - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence VendorXX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		 1-Compliant HPML loan allowed within lender guidelines, exception grade B.      Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1981269    
XXXXXX SAIF2025CES0157   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1981267    
XXXXXX SAIF2025CES0158   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1970206    
XXXXXX SAIF2025CES0159   B B A A B B N/A N/A Closed 3352 07/13/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982205    
XXXXXX SAIF2025CES0161   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991818    
XXXXXX SAIF2025CES0162   C B A A C B N/A N/A Closed 2261 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the Xrate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the X Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the XX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996971    
XXXXXX SAIF2025CES0162   C B A A C B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996969    
XXXXXX SAIF2025CES0163   D B D A C B N/A N/A Closed FCRE1495 07/14/24 07/31/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Verbal VOE dated XX/XX/XXXX received.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. VVOE and third party verification uploaded.  Please note, this was included with the original file uploaded. - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified The file did not contain a X day verbal VOE as required. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. VVOE and third party verification uploaded.  Please note, this was included with the original file uploaded. - Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1984466    
XXXXXX SAIF2025CES0163   D B D A C B N/A N/A Closed FCRE1316 07/14/24 07/31/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower XXrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Verbal VOE dated XX/XX/XXXX provided.  Condition Cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. VVOE and third party verification uploaded.  Please note, documentation was included with original file. - Seller-XX/XX/XXXX
Open-Borrower Xrd Party VOE Prior to Close Missing The verbal verification of employment is dated XX/XX/XXXX and indicates the employment was verified through X.  The file did not contain a verbal verification from X with the date of XX/XX/XXXX.  All documentation from X is affiliated with The Work Number obtained on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. VVOE and third party verification uploaded.  Please note, documentation was included with original file. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1984426    
XXXXXX SAIF2025CES0163   D B D A C B N/A N/A Closed 3634 07/12/24 07/31/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-Resolved with PCCD provided on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disclosure tracking details reflecting VCOC uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The loan discount fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Disclosure tracking details reflecting X uploaded. - Seller-XX/XX/XXXX
 Resolved-Resolved with PCCD provided on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1976390    
XXXXXX SAIF2025CES0163   D B D A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1976385    
XXXXXX SAIF2025CES0164   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The qualifying LTV of X% is lower then the maximum allowable oF X
Qualifying DTI below max allowed. - The qualifying DTI of X% is below the maximum allowed of X%.
Time on job greater than X years - The Borrower has been with current employer since XX/XX/XXXX and in the same line of work for X years.
Time in home greater than Xyears - The borrower has owned the subject property for X years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1960409    
XXXXXX SAIF2025CES0165   C B A A C B N/A N/A Closed 3635 07/17/24 07/30/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-COC provided and applied which resolved tolerance violations. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No cure is needed. Settlement charges were increased due to the borrower's requested. The Attorney fee was added since the refinance type changed. Please see COC, proof of delivery and CD dated XX/XX/XXXX - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (X) exceed the comparable charges ($X) by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than X percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No cure is needed. Settlement charges were increased due to the borrower's requested. The X was added since the refinance type changed. Please see COC, proof of delivery and CD dated XX/XX/XXXX - Seller-XX/XX/XXXX
 Resolved-COC provided and applied which resolved tolerance violations. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2006398    
XXXXXX SAIF2025CES0165   C B A A C B N/A N/A Closed 3634 07/11/24 07/30/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC provided and applied which resolved tolerance violations. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cure is needed. The Discount points were increased due to Rate Lock/Relock/Lock Extension. Please see the attached documents which include COC, CD dated XX/XX/XXXX proof of delivery  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Loan Discount fee was added to the Final CD in the amount of $XXwithout a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. No Cure is needed. The Discount points were increased due to Rate Lock/Relock/Lock Extension. Please see the attached documents which include COC, CD dated XX/XX/XXXX, proof of delivery  - SellerXX/XX/XXXX
 Resolved-COC provided and applied which resolved tolerance violations. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1967700    
XXXXXX SAIF2025CES0165   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1967696    
XXXXXX SAIF2025CES0166   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1991815    
XXXXXX SAIF2025CES0167   C B A A C B N/A N/A Closed 2261 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the X Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991341    
XXXXXX SAIF2025CES0167   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991338    
XXXXXX SAIF2025CES0168   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.     
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2005962    
XXXXXX SAIF2025CES0170   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1981498    
XXXXXX SAIF2025CES0171   D B D A B B N/A N/A Closed FCRE1495 07/12/24 08/02/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Receive verbal VOE from x dated XX/XX/XXXX for the Borrower.   Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached, however the verbal VOE form should be considered sufficient. Please rescind this finding. - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified The Verbal VOE in file dated XX/XX/XXXX indicates it was validated through The Work Number; however, the file did not contain a Work Number verification with the same date. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached, however the verbal X form should be considered sufficient. Please rescind this finding. - Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X% is less than the maximum allowed ofX%.
Time in home greater than X years - The Borrower has lived in the subject property for more than seven years.
Qualifying DTI below max allowed. - The calculated DTI of X% is lower than the maximum allowed of X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1977386    
XXXXXX SAIF2025CES0171   D B D A B B N/A N/A Closed FCRE1316 07/11/24 08/01/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received copy of VVOE dated XX/XX/XXXX.  Exception cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The Verbal VOE in file dated XX/XX/XXXX indicates it was validated through The Work Number; however, the file did not contain a Work Number verification with the same date. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Qualifying DTI below max allowed. - The calculated DTI of X% is lower than the maximum allowed of X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1972573    
XXXXXX SAIF2025CES0171   D B D A B B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Qualifying DTI below max allowed. - The calculated DTI of X% is lower than the maximum allowed of X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1962952    
XXXXXX SAIF2025CES0172   D B D A C B N/A N/A Closed FCRE1316 07/17/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received WVOE datedXX/XX/XXXX for the Borrower indicating continued employment.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see VVOE attached dated XX/XX/XXXX Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The Verbal VOE in file indicates the lender used the CoreLogic Report to verify the Borrower's employment.  The subject report was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see VVOE attached dated XX/XX/XXXX - SellerXX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%
Qualifying DTI below max allowed. - Compensating Factors included approval of the loan with the low DTI of X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2003521    
XXXXXX SAIF2025CES0172   D B D A C B N/A N/A Closed 3352 07/20/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains X- Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%
Qualifying DTI below max allowed. - Compensating Factors included approval of the loan with the low DTI of X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2025404    
XXXXXX SAIF2025CES0173   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines.  Exception graded B.
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1964337    
XXXXXX SAIF2025CES0174   C A A A C A N/A N/A Closed 3632 07/10/24 07/31/24 Resolved 1 - Information C A Compliance Disclosure Consummation or Reimbursement Date Validation Test Resolved-Resolved with PCCD provided on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disclosure Tracking details reflecting X uploaded.  Transfer taxes increased due to loan amount increase. - Seller-XX/XX/XXXX
Open-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX
Resolved-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Disclosure Tracking details reflecting XX uploaded.  Transfer taxes increased due to loan amount increase. - Seller-XX/XX/XXXX
 Resolved-Resolved with PCCD provided on XX/XX/XXXX - Due Diligence Vendor- XX/XX/XXXX
 Resolved-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor- XX/XX/XXXX
 Resolved-Resolved - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
Time on job greater than X years - The Borrower had been at her job for X years.  The Co-Borrower had been at his job for X years.
Time in home greater than X years - The Borrowers have been in their home for X years.
Qualifying DTI below max allowed. - The DTI of X% was significantly lower than the maximum of X%. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1966195    
XXXXXX SAIF2025CES0174   C A A A C A N/A N/A Closed 3631 07/10/24 07/31/24 Resolved 1 - Information C A Compliance Points & Fees Reimbursement Amount Validation Test Resolved-Resolved with PCCD provided on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disclosure tracking details reflecting VCOC uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-XX/XX/XXXX
Open-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor-XX/XX/XXXX
Open-Resolved - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Disclosure tracking details reflecting VX uploaded. - Seller-XX/XX/XXXX
 Resolved-Resolved with PCCD provided on  XX/XX/XXXX. - Due Diligence Vendor- XX/XX/XXXX
 Resolved-- This exception is due to the tolerance violation, if the tolerance violation is cured or resolved, then this exception will be resolved. - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
Time on job greater than X years - The Borrower had been at her job for X years.  The Co-Borrower had been at his job for X years.
Time in home greater than X years - The Borrowers have been in their home for X years.
Qualifying DTI below max allowed. - The DTI of X% was significantly lower than the maximum of X%. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1966194    
XXXXXX SAIF2025CES0175   C A C A A A N/A N/A Closed FCRE1437 07/12/24 07/31/24 Resolved 1 - Information C A Credit Income/Employment Income and Employment Do Not Meet Guidelines Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Verbal VOE received to reflect active employment in order to clear condition. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. VVOE reflecting borrower as active uploaded. - Seller-XX/XX/XXXX
Open-Income and Employment Do Not Meet Guidelines The VVOE in file dated XX/XX/XXXX does not reflect the Borrower's current employment status.  It could not be determined if the Borrower was active at the time of closing. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. VVOE reflecting borrower as active uploaded. - Seller-XX/XX/XXXX
 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor- XX/XX/XXXX
 Time on job greater than 5 years - The Borrower has worked for their current employer for more than six years.
   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1975774    
XXXXXX SAIF2025CES0176   C B A A C B N/A N/A Closed 3634 07/12/24 07/31/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received indicating the disaster declaration was sufficient for resolving the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please kindly review again this COC letter. The fee was added because the area was declared a disaster due to tornadoes. also, see a screenshot from our system showing the declaration date and the date ordered and finally see Re-inspection dated XX/XX/XXXXwhich is between 3 business days. See attached documents. - Seller-XX/XX/XXXX
Counter- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The COC received does not have a valid reason for the change in circumstance. The change requested by Borrower is invalid for a re-inspection fee being added. Please provide a valid COC and reason for the change in circumstance or the cure requirements. Cure requirements includes a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cure is needed. The CD dated XX/XX/XXXX shows an increase in settlement charges for $X due to the Re-Inspection Fee. This change was supported with a valid COC, and proof of delivery. Please see attached documents that include CD, COC, and proof of delivery. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The Reinspection Fee was added to the Initial CD in the amount of 315.00 without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please kindly review again this COC letter. The fee was added because the area was declared a disaster due to tornadoes. also, see a screenshot from our system showing the declaration date and the date ordered and finally see Re-inspection dated XX/XX/XXXXwhich is between X business days. See attached documents. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. No Cure is needed. The CD dated XX/XX/XXXX shows an increase in settlement charges for $X due to the Re-Inspection Fee. This change was supported with a valid COC, and proof of delivery. Please see attached documents that include CD, COC, and proof of delivery. - Seller-XX/XX/XXXX
 Resolved-The documentation received indicating the disaster declaration was sufficient for resolving the exception. - Due Diligence Vendor- XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1975361    
XXXXXX SAIF2025CES0176   C B A A C B N/A N/A Closed FPRO1104 07/15/24 07/30/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection Resolved-Received copy of 1004D dated XX/XX/XXXX Exception cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see Re-Inspection Report dated XX/XX/XXXX Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. XX,  effective date XX/XX/XXXX, End date XX/XX/XXXX. Missing subsequent inspection - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see Re-Inspection Report dated 05/08/2024 - Seller-XX/XX/XXXX
 Resolved-Received copy of 1004D dated  XX/XX/XXXX. Exception cleared - Due Diligence Vendor- XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987977    
XXXXXX SAIF2025CES0176   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1975354    
XXXXXX SAIF2025CES0177   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1965051    
XXXXXX SAIF2025CES0178   C B A A C B N/A N/A Closed 3352 07/19/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2021250    
XXXXXX SAIF2025CES0181   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - Subject lien CLTV was X>, which is  less than the maximum allowed of X
Time on job greater than X years - Borrower has been with the same employer for overX years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1990230    
XXXXXX SAIF2025CES0182   C A A A C A N/A N/A Closed 3634 07/11/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the Funder CD showing and reflecting a cure for $X as a Lender Credit for an increase in Transfer Taxes. - Seller-08/05/2024
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Transfer Taxes fee increased on the Final CD by $X compared to the baseline without a valid COC. However there is a Lender Credit in the amount of $X on the Final CD. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the Funder CD showing and reflecting a cure for $XX/XX/XXXX as a Lender Credit for an increase in Transfer Taxes. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor--XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years.
Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
Time on job greater than Xyears - The Borrower has worked for their current employer for more than X years. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1968885    
XXXXXX SAIF2025CES0183   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
Time in home greater than X years - The Borrowers have been in their home for X years.
Qualifying DTI below max allowed. - The DTI of X% was significantly lower than the maximum of X%. 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963487    
XXXXXX SAIF2025CES0184   B B A A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX
 Time in home greater than X
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%
     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1973533    
XXXXXX SAIF2025CES0185   C B A A C B N/A N/A Closed 2962 07/10/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X higher-priced mortgage loan test.  (X Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the X Financial Code.
While the X Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines. Elevated to Grade B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963936    
XXXXXX SAIF2025CES0185   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrower has lived in the subject property for more than X years.
Time on job greater than X years - The Borrower has worked for their current employer for more than X years.
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum allowed of X%
 		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1963934    
XXXXXX SAIF2025CES0186   B B A A B B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Both Borrowers have been employed with their current employer Xyears
Time in home greater than X years - Borrowers have resided at the subject property for X years
Qualifying DTI below max allowed. - The DTI of X is less than the maximum of X%		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1971675    
XXXXXX SAIF2025CES0187   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than Xyears - Borrower has resided at the subject property for Xyears
Qualifying DTI below max allowed. - The DTI of X% is below the maximum of X%
Time on job greater than X years - The Borrower has been with the same employer Xyears		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1975693    
XXXXXX SAIF2025CES0188   C B A A B B N/A N/A Closed FPRO1104 07/17/24 08/23/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-PDI provided, dated after disaster with no damage reported. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Sorry for the mistake. Please see attached re-inspection report - XX/XX/XXXX
Counter-Document uploaded is blank.  Please provide subsequent inspection. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. <Severe Storm>,declaration <4792>,  effective date 05/08/2024 , End date 05/09/2024. Missing subsequent inspection. - Due Diligence Vendor-07/17/2024		 Ready for Review-Document Uploaded. Sorry for the mistake. Please see attached re-inspection report - SellerXX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence VendorXX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2005296    
XXXXXX SAIF2025CES0188   C B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains X - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1989834    
XXXXXX SAIF2025CES0189   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971804    
XXXXXX SAIF2025CES0190   D B D A C B N/A N/A Closed FCRE4963 07/12/24 07/31/24 Resolved 1 - Information D A Credit Debt No evidence of required debt payoff Ready for Review-Received copy of payoff for X  exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Discover payoff uploaded. - Seller-XX/XX/XXXX
Open-An installment debt of X with X was paid with the subject loan proceeds at closing. The payoff amount does not match the balance from the credit report.  Documentation to support the payoff balance of the installment loan was not located in the file.  Per guidelines, a payoff statement must be provided for installment loans reflected on the CD as paid off. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Discover payoff uploaded. - Seller-XX/XX/XXXX
 Resolved: Document received.
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1975790    
XXXXXX SAIF2025CES0190   D B D A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1969499    
XXXXXX SAIF2025CES0191   C B A A C B N/A N/A Closed 3635 07/17/24 08/16/24 Resolved 2 - Non-Material C B Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X) exceed the comparable charges ($X) by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-08/16/2024
Ready for Review-Document Uploaded. Please see PCCD, Pymt History showing a cure for $65.00, and proof of delivery. The $65.00 cure includes $30.00 for an increase in Transfer taxes and the rest of the amount is for exceeding settlement charges. Initial LE shows initial settlement charges of $505.00 ($425.00 for Settlement Fees and $80.00 for Recording fees) VS final CD dated 05/23 of $570.00 ( $65.00 for Docs Prep fees; $425.00 Settlement fees and $80.00 of Recording fees) - Seller-08/15/2024
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($570.00) exceed the comparable charges ($505.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). 1-The aggregate total of 10% fees increased on the Final CD without a valid COC or cure provided. Refund amount is $65.00 and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Delivery. - Due Diligence Vendor-07/26/2024		 Ready for Review-Document Uploaded. Please see PCCD, Pymt History showing a cure for $X and proof of delivery. The $X cure includes $Xfor an increase in Transfer taxes and the rest of the amount is for exceeding settlement charges. Initial LE shows initial settlement charges of $X ($Xfor Settlement Fees and $X for Recording fees) VS final CD dated 0XX/XX/XXXX of $X( X for Docs Prep fees; $XSettlement fees and $XofX fees) - Seller-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence VendorXX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2007361    
XXXXXX SAIF2025CES0191   C B A A C B N/A N/A Closed 3634 07/17/24 08/16/24 Resolved 2 - Non-Material C B Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence VendorXX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see PCCD, Pymt History showing a cure for $X, and proof of delivery. The $X cure includes $X for an increase in Transfer taxes and the rest of the amount is for exceeding settlement charges. Initial LE shows initial settlement charges of $X ($X for Settlement Fees and $X for Recording fees) VS final CD dated XX/XX/XXXX of $X( $X for Docs Prep fees; $X Settlement fees and $X of Recording fees) - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Transfer Taxes fee increased on the Final CD by $Xcompared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see PCCD, Pymt History showing a cure for $X, and proof of delivery. The $X cure includes $X for an increase in Transfer taxes and the rest of the amount is for exceeding settlement charges. Initial LE shows initial settlement charges of $X ($X for Settlement Fees and $X for Recording fees) VS final CD dated XX/XX/XXXX of $XX ( $X for Docs Prep fees; $XSettlement fees and $X of Recording fees) - Seller-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2007365    
XXXXXX SAIF2025CES0191   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2007359    
XXXXXX SAIF2025CES0192   C B A A C B N/A N/A Closed 3634 07/13/24 07/31/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No Cure is needed. Please see COC, proof of delivery, LE dated XX/XX/XXXX,  looks like the Discount Point increased from X to $X due to the compliance report dated  XX/XX/XXXX showing a few fails because of high cost. the second screenshot dated on XX/XX/XXXX shows a passed-on High Cost.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-Points fees were added to the Final CD in the amount of $X without a valid COC and were not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No Cure is needed. Please see COC, proof of delivery, LE dated XX/XX/XXXX looks like the Discount Point increased from $X to $Xdue to the compliance report dated  XX/XX/XXXX showing a few fails because of high cost. the second screenshot dated on XX/XX/XXXX shows a passed-on High Cost.  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-07/31/2024

 Resolved- - Due Diligence Vendor-07/31/2024

 Time on job greater than X years - The Borrower has been with the same employer X years   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982140    
XXXXXX SAIF2025CES0192   C B A A C B N/A N/A Closed 3352 07/13/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with the same employer X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982136    
XXXXXX SAIF2025CES0193   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with the same employer X years     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2009039    
XXXXXX SAIF2025CES0194   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than Xyears - The Borrower has lived in the subject property for over X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1990176    
XXXXXX SAIF2025CES0195   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with the same employer X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2009188    
XXXXXX SAIF2025CES0196   C B A A C B N/A N/A Closed 3634 07/15/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The Title Search Abstract for $X is part of the Settlement Charges. please see the initial LE dated XX/XX/XXXX which shows a $Xincluding $X for the lender title, a Notary fee of $X, $X for the Settlement fee, and recording fees of $X; the final CD or consummation the total charges for a settlement fee are $X which is less than we disclosed on initial LE. Please see the LE and CD attached.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Title Search Abstract fee was added to the Final CD in the amount of $X without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The Title Search Abstract for $X is part of the Settlement Charges. please see the initial LE dated XX/XX/XXXX which shows a $XX/XX/XXXX including $Xfor the lender title, a Notary fee of $X, $X for the Settlement fee, and recording fees of $X the final CD or consummation the total charges for a settlement fee are $X which is less than we disclosed on initial LE. Please see the LE and CD attached.  - Seller-XX/XX/XXXX
 Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrowers have resided at the subject property for X years.
Subject LTV significantly less than required - CLTV for the subject lien is X%, which is significantly less than the maximum of X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993830    
XXXXXX SAIF2025CES0196   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater thanX years - Borrowers have resided at the subject property for X years.
Subject LTV significantly less than required - CLTV for the subject lien is X%, which is significantly less than the maximum ofX%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1993826    
XXXXXX SAIF2025CES0198   B B A A B B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with his employer for X years.  The Co-Borrower has been with her employer X years.
Time in home greater thanX years - The Borrowers have resided at the subject property for X years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1960883    
XXXXXX SAIF2025CES0199   C B A A C B N/A N/A Closed 3635 07/23/24 08/07/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see updated COC letter, CD dated XX/XX/XXXX proof of delivery, and Rate lock confirmation attached.. Previous COC was generated incorrectly due to a glitch in our system.  - Seller-XX/XX/XXXX
Counter-The documentation received was insufficient for the resolution of the exception. The COC indicated the reason for the change was a result of the change of loan amount. However, the loan amount on all disclosures is the same amount. Please provide a valid COC for the change of circumstance.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No cure is needed. Please see CD dated XX/XX/XXXX COC, and proof of delivery attached. increased in the settlement charges were supported by valid COC - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% X) exceed the comparable charges X by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more thanX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see updated COC letter, CD datedXX/XX/XXXXproof of delivery, and Rate lock confirmation attached.. Previous COC was generated incorrectly due to a glitch in our system.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. No cure is needed. Please see CD dated XX/XX/XXXX COC, and proof of delivery attached. increased in the settlement charges were supported by valid COC - Seller-0XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrowers have resided at the subject property for Xyears
Qualifying DTI below max allowed. - The DTI of X% is significantly less than the maximum allowed of X%
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of X%		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2037658    
XXXXXX SAIF2025CES0199   C B A A C B N/A N/A Closed 3352 07/25/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrowers have resided at the subject property for Xyears
Qualifying DTI below max allowed. - The DTI of X% is significantly less than the maximum allowed of X%
Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2060316    
XXXXXX SAIF2025CES0201   D B D A B B N/A N/A Closed FCRE1334 07/19/24 08/13/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Executed 4506 was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see 4506C attached - Seller-XX/XX/XXXX
Open-Borrower 1 Executed 4506-T Missing All Borrowers whos income is used to qualify must sign and date a completed and unexpired IRS form 4506. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see Xattached - Seller-0XX/XX/XXXX
 Resolved-Borrower X Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2023996    
XXXXXX SAIF2025CES0201   D B D A B B N/A N/A Closed 2962 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence VendorXX/XX/XXXX
Open-This loan failed the X AB 260 higher-priced mortgage loan test.  (X 260, X Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the X Financial Code.
While the XFinancial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2007033    
XXXXXX SAIF2025CES0201   D B D A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2007031    
XXXXXX SAIF2025CES0202   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrowers have resided at the subject property for X years
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1989598    
XXXXXX SAIF2025CES0203   B B A A B B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with the same employer just over X years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2006288    
XXXXXX SAIF2025CES0204   C B A A C B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1964503    
XXXXXX SAIF2025CES0205   B B A A B B N/A N/A Closed 2962 07/10/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X 260 higher-priced mortgage loan test.  (CX60, X Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.
While the X Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. Elevated to Grade B - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1965654    
XXXXXX SAIF2025CES0205   B B A A B B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1965652    
XXXXXX SAIF2025CES0206   C B A A C B N/A N/A Closed FPRO1107 07/15/24 08/07/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection - Post Closing Resolved-Agree no individual assistance was noted by FEMA.  Exception upgraded to B - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-FEMA has not declared individual assistance is available, therefore no inspection is required for this disaster. - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection – Post Closing Subject property is in a natural disaster area. X,X,  effective date XX/XX/XXXX and continuing. Missing subsequent inspection. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-FEMA has not declared individual assistance is available, therefore no inspection is required for this disaster. - Seller-XX/XX/XXXX
 Resolved-Agree no individual assistance was noted by FEMA.  Exception upgraded to B - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed with current employer over X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991637    
XXXXXX SAIF2025CES0206   C B A A C B N/A N/A Closed 3352 07/15/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML  - Due Diligence VendorXX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1986262    
XXXXXX SAIF2025CES0208   C B A A C B N/A N/A Closed 3635 07/11/24 08/07/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation received was sufficient of the resolution of the exception.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see PCCD, Pymt History and Fedex Levels attached.  - Seller-XX/XX/XXXX
Counter-The documentation received was insufficient for the resolution of the exception. The proof of delivery was not included in the documentation. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see PCCD & Pymt History Attached showing a cure for $X due to an increase Settlement Charges & Settlement fees - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X) exceed the comparable charges ($X) by more thanX%. Please see the table that displays the Charges That Cannot Increase More Than X for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than X percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Delivery. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Please see PCCD, Pymt History and Fedex Levels attached.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see PCCD & Pymt History Attached showing a cure for $X due to an increase Settlement Charges & Settlement fees - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient of the resolution of the exception.  - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed with current employer over X years   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1969598    
XXXXXX SAIF2025CES0208   C B A A C B N/A N/A Closed 2623 07/11/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X higher-priced mortgage loan test. ( Maryland COMAR 09.03.06.02B(13) ,  COMAR 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations (COMAR).

While the X X provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines.  Exception graded B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1969602    
XXXXXX SAIF2025CES0208   C B A A C B N/A N/A Closed 3352 07/11/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines.  Exception graded B. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1969596    
XXXXXX SAIF2025CES0209   B B A A B B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1980211    
XXXXXX SAIF2025CES0210   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years
Subject LTV significantly less than required - The CLTV of X% is less than guideline maximum of X%.
Qualifying DTI below max allowed. - DTI of X% is lower than guideline maximum of X%.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2007232    
XXXXXX SAIF2025CES0211   C B A A C B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years
     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1999063    
XXXXXX SAIF2025CES0212   C B A A C B N/A N/A Closed 3634 07/12/24 04/24/25 Resolved 2 - Non-Material C B Compliance TRID Charges That Cannot Increase Test Cured-Cure provided. - Due Diligence VendorXX/XX/XXXX
Cured- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached documents PCCD, Pymt History showing cure for $X, and proof of delivery - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - The City/County Tax/Stamps fee was added to the Initial CD in the amount of X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see attached documents PCCD, Pymt History showing cure for $XX, and proof of delivery - SellerXX/XX/XXXX
 Cured-Cure provided. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1977454    
XXXXXX SAIF2025CES0212   C B A A C B N/A N/A Closed 2623 07/12/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the MD COMAR higher-priced mortgage loan test. ( Maryland COMAR 09.03.06.02B(13) ,  COMAR 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations (X).

While the X Xprovisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML.
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1977455    
XXXXXX SAIF2025CES0212   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1977447    
XXXXXX SAIF2025CES0213   C B A A B B N/A N/A Closed FPRO1104 07/23/24 08/13/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Property inspection dated after the FEMA declaration was provided to show no damage to property. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the Re-inspection report attached. - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. Severe Storm, Declaration XX,  Effective Date XX/XX/XXXX, End Date XX/XX/XXXX with an appraisal date of XX/XX/XXXXand a Note date of XX/XX/XXXX Missing subsequent inspection - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the Re-inspection report attached. - Seller-XX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed with current employer over X years
Qualifying DTI below max allowed. - DTI of X% is lower than guideline maximum of X%.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2038433    
XXXXXX SAIF2025CES0213   C B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with current employer over X years
Qualifying DTI below max allowed. - DTI of X% is lower than guideline maximum of X%.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1987137    
XXXXXX SAIF2025CES0214   D B A A D B N/A N/A Closed FCOM1232 07/11/24 08/01/24 Resolved 1 - Information D A Compliance Missing Doc The Final 1003 is Missing Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Signed final application provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the final 1003 attached dated and signed by our borrower on XX/XX/XXXX - Seller-XX/XX/XXXX
Open-The Final 1003 is Missing The final 1003 was not located in file.  It is noted, the initial 1003 is signed and dated XX/XX/XXXX.  An additional 1003 was located in file, signed and dated XX/XX/XXXX.  The Note is dated XX/XX/XXXX.  It could not be determined if this additional 1003 was the final and dated incorrectly. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the final 1003 attached dated and signed by our borrower on XX/XX/XXXX- Seller-XX/XX/XXXX
 Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed with current employer over X years
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1971421    
XXXXXX SAIF2025CES0214   D B A A D B N/A N/A Closed 3352 07/10/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrower has resided at subject property for over X years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1963303    
XXXXXX SAIF2025CES0215   D A D A A A N/A N/A Closed FCRE1505 08/22/24 08/22/24 Resolved 1 - Information C A Credit QM-ATR ATR: All Other Liabilities Not Properly Considered in DTI Resolved-ATR: All Other Liabilities Properly Considered in DTI - Due Diligence Vendor-XX/XX/XXXX
Open-ATR: All Other Liabilities Not Properly Considered in DTI - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR: All Other Liabilities Properly Considered in DTI - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		     QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2233312    
XXXXXX SAIF2025CES0215   D A D A A A N/A N/A Closed FCRE6911 07/22/24 08/22/24 Resolved 1 - Information D A Credit Eligibility DTI exceeds program maximum Resolved-New documentation resulted in DTI decreasing below X% - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-New income calculation for bonus earnings and updated documents are sufficient to reduce the DTI below X%. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Could you please see the attached documents including new 1008, 1003, Loan Approval, Income calculator, VOE showing how the income was calculated, and a screenshot of the escrow shortage?    - Seller-XX/XX/XXXX
Counter-The updated documents indicate the escrow shortage as $X  The original 1008 indicated this shortage as $X, which is supported by the documentation in file.  This results in the DTI exceeding X%.  Provide documentation to support the escrow shortage of $X. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see updates 1003, 1008, and the loan approval attached. Per our UW the DTI is still under X% - Seller-XX/XX/XXXX
Open-The DTI of X% exceeds the program maximum of X%.  The DTI increased due to the variance in payments on student loans.  The lender used 1% of the balances of student loan X of X and X of X.  These accounts were last reported in XX/XX/XXXX.  A supplement was provided to reflect a reporting date of <5/2024> to reflect X with a balance increase to Xand Xwith a balance increase to X.  Using X% payments for each loan ofX and X increases the DTI to X%.   - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Could you please see the attached documents including new 1008, 1003, Loan Approval, Income calculator, VOE showing how the income was calculated, and a screenshot of the escrow shortage?    - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see updates 1003, 1008, and the loan approval attached. Per our UW the DTI is still under X% - Seller-XX/XX/XXXX
 Resolved-New documentation resulted in DTI decreasing below X - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2031461    
XXXXXX SAIF2025CES0216   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - B1 time on job X years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996992    
XXXXXX SAIF2025CES0217   C B A A A A N/A N/A Closed FPRO1105 08/07/24 08/08/24 Acknowledged N/A N/A N/A Property Property Subject property in FEMA disaster area, inspection indicates no damage Acknowledged-Seller acknowledges FEMA zone and PDI with no damage, - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Please update as acknowledged. - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, inspection indicates no damage - Due Diligence Vendor-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Please update as acknowledged. - Seller-XX/XX/XXXX
 Acknowledged-Seller acknowledges FEMA zone and PDI with no damage, - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2144019    
XXXXXX SAIF2025CES0217   C B A A A A N/A N/A Closed FPRO1104 07/17/24 08/07/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Post inspection was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disaster reinspection uploaded. - XX/XX/XXXX
Counter-Please provide post closing inspection.  FEMA effective date of XX/XX/XXXXwith an end date ofXX/XX/XXXX.  The date of inspection is dated XX/XX/XXXX- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Please note, date of signature and report is XX/XX/XXXXand is post end date. - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. Severe Storm, DeclarationXX/XX/XXXX Effective Date XX/XX/XXXX End Date XX/XX/XXXX Note Date XX/XX/XXXX and Appraisal DateXX/XX/XXXX.  Missing subsequent inspection - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Disaster reinspection uploaded. - Seller-XX/XX/XXXX
 Ready for Review-Please note, date of signature and report is XX/XX/XXXXand is post end date. - Seller-XX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-08/07/2024

 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2006990    
XXXXXX SAIF2025CES0218   C A C A C A N/A N/A Closed FCRE7000 07/18/24 08/05/24 Resolved 1 - Information C A Credit Eligibility Borrower 1 - Identification in file expired at time of closing Resolved-Per X state requirements for notarization, valid up to three years after expiration.   Exception deemed non-material. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Response from notary regarding expired ID uploaded. - Seller-XX/XX/XXXX
Open-Borrower 1 Photo ID type is Standard Driver's License - Not for federal use and expiration date is XX/XX/XXXX less than the transaction date of XX/XX/XXXXThe Borrower's drivers license expired XX/XX/XXXX; however, the note date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Response from notary regarding XXuploaded. - Seller-XX/XX/XXXX
 Resolved-Per Oregon state requirements for notarization, valid up to three years after expiration.   Exception deemed non-material. - Due Diligence Vendor-0XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2011304    
XXXXXX SAIF2025CES0218   C A C A C A N/A N/A Closed 3634 07/15/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Disclosure tracking details reflecting XX  Increased loan amount increased fee. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Broker fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Disclosure tracking details reflecting VCOC.  Increased loan amount increased fee. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1990990    
XXXXXX SAIF2025CES0220   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower 1 has had the same employer forX years, and Borrower X has had the same employer for Xyears.
Time in home greater than X years - The Borrowers have resided in the subject property for X years.		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1995532    
XXXXXX SAIF2025CES0221   C A A A C A N/A N/A Closed 3634 07/23/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see Funder CD reflecting a cure of $XX was done at closing. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).    1-The Transfer Taxes fee increased on the Final CD by $X0 compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see Funder CD reflecting a cure of X was done at closing. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed by current employer for over X years
Subject LTV significantly less than required - CLTV of X% is significantly less than the maximum ofX%.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 2037043    
XXXXXX SAIF2025CES0222   C B A A C B N/A N/A Closed 3634 07/18/24 08/08/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX proof of delivery, and a valid COC/ Discount points fee was increased due to rate lock extension - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 1-The Points Fee was added to the Final CD in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX proof of delivery, and a valid COC/ Discount points fee was increased due to rate lock extension - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater thanX years - Both Borrowers have been employed with current employers over X years each.
Time in home greater than X years - Borrowers have reside in the subject property forX years.

   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2010178    
XXXXXX SAIF2025CES0222   C B A A C B N/A N/A Closed 3352 07/18/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  1-Compliant HPML.     
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater thanX years - Both Borrowers have been employed with current employers over X years each.
Time in home greater than X years - Borrowers have reside in the subject property forX years.
     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2010173    
XXXXXX SAIF2025CES0223   D B D A C B N/A N/A Closed FCRE1316 07/19/24 08/13/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Agree - Verbal VOE is acceptable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Could you please kindly review this one more time this exception? Per our guidelines, VVOE is X business days from closing. VVOE is dated XX/XX/XXXX and the closing dated was XX/XX/XXXX. see again the attached documents - Seller-XX/XX/XXXX
Counter-Received Corelogic report; however, the verified on date is XX/XX/XXXX, which is more than Xdays prior to closing.  An updated VVOE dated within X days of closing is needed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see VVOE and VOE attached. dated X days between the closing date. also, the documents attached are part of the original binder please see pages # Xand # X - Seller-XX/XX/XXXX
Open-Borrower Xrd Party VOE Prior to Close Missing The Verbal VOE in file indicates the lender verified employment on XX/XX/XXXX using the CoreLogic Report; however, the report was not located in file.  A report dated XX/XX/XXXX was located in file; however, it was expired as of the Note date. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Could you please kindly review this one more time this exception? Per our guidelines, VVOE is X business days from closing. VVOE is dated XX/XX/XXXXand the closing dated was XX/XX/XXXXsee again the attached documents - Seller XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see VVOE and VOE attached. dated X days between the closing date. also, the documents attached are part of the original binder please see pages # X and # X- Seller-XX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater thanX years - Both Borrowers have been employed with current employers over X years each.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2022518    
XXXXXX SAIF2025CES0223   D B D A C B N/A N/A Closed FCRE1495 07/23/24 08/13/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Could you please kindly review this one more time this exception? Per our guidelines, VVOE is X business days from closing. VVOE is dated XX/XX/XXXX and the closing dated was XX/XX/XXXX. see again the attached documents - Seller-XX/XX/XXXX
Counter-Received Corelogic report; however, the verified on date is XX/XX/XXXX, which is more than X days prior to closing.  An updated VVOE dated within 10 days of closing is needed. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see VVOE and VOE attached. dated 10 days between the closing date. also, the documents attached are part of the original binder please see pages # X and # X - Seller-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified Verbal VOE in file referred to a Corelogic dated XX/XX/XXXXThis report was not in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Could you please kindly review this one more time this exception? Per our guidelines, VVOE is X business days from closing. VVOE is dated XX/XX/XXXX and the closing dated was XX/XX/XXXX see again the attached documents - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see VVOE and VOE attached. dated X days between the closing date. also, the documents attached are part of the original binder please see pages # X and # X - Seller-XX/XX/XXXX
 Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater thanX years - Both Borrowers have been employed with current employers over X years each.
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2041291    
XXXXXX SAIF2025CES0223   D B D A C B N/A N/A Closed 3634 07/17/24 08/08/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the attached documents that include CD XX/XX/XXXX, Valid COC, proof of delivery, and Re-inspection fee. the increase in the appraisal review fee was added due to the original fees was about to expire. Also, see final CD which includes a lender credit reflected on page # X of X section J for Xmore than enough to cure the increase in appraisal fee.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-The appraisal fee increased on the Final CD by $X compared to the baseline without a valid COC, however  fee actually decreased.  The Appraisal Review fee was added to the Final CD in the amount of $Xwithout a valid COC and was not included in the baseline.  However there is a Lender Credit in the amount of $X. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X.00 with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the attached documents that include CD XX/XX/XXXX Valid COC, proof of delivery, and Re-inspection fee. the increase in the appraisal review fee was added due to the original fees was about to expire. Also, see final CD which includes a lender credit reflected on page # 2 of 5 section J for $X more than enough to cure the increase in appraisal fee.  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Compensating Factors include Borrower's time with employer greater than X years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2001956    
XXXXXX SAIF2025CES0223   D B D A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XGrade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.   1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Compensating Factors include Borrower's time with employer greater than Xyears.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2001951    
XXXXXX SAIF2025CES0224   C A A A C A N/A N/A Closed 3635 07/11/24 07/31/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the Final CD attached under section J a lender credit for $Xwhich is the cure for increasing the settlement charges, from $X to $X. The settlement charges allow an increased of not more than X. - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than 10% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X) exceed the comparable charges ($X) by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than X percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). The Settlement fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the Final CD attached under section X a lender credit for $Xwhich is the cure for increasing the settlement charges, from $X to $XThe settlement charges allow an increased of not more than X% $XX X% =X Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-07/31/2024

 Time on job greater than X years - Borrower has been employed with current employer over Xyears   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1973770    
XXXXXX SAIF2025CES0225   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  1-Compliant HPML.     
 - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrower has resided at the subject property for X years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1994890    
XXXXXX SAIF2025CES0226   C B A A C B N/A N/A Closed 3634 07/17/24 08/08/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX COC, and proof of delivery attached.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).   1-The Points Fee  was added to the Final CD in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X0 with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX, COC, and proof of delivery attached.  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years.  		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2002489    
XXXXXX SAIF2025CES0226   C B A A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The calculated DTI of X% is less than the maximum allowed of X%.
Time in home greater than X years - The Borrower's have lived in the subject property for more thanX years. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2002485    
XXXXXX SAIF2025CES0227   D B D A B B N/A N/A Closed FCRE1334 07/17/24 08/01/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 Executed 4506-T Missing Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Signed 4506 for the Borrower was provided. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. 4506C uploaded. - Seller-XX/XX/XXXX
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. X uploaded. - Seller-XX/XX/XXXX
 Resolved-Borrower X Executed 4506-T Provided - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X Borrower 1 Executed 4506-C is not located in file. XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2005642    
XXXXXX SAIF2025CES0227   D B D A B B N/A N/A Closed 3352 07/19/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2023460    
XXXXXX SAIF2025CES0228   C B A A C B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
Time on job greater than X years - The Borrower had been at her job for X years.  The Co-Borrower had been at his job for X years.

Qualifying DTI below max allowed. - The DTI of X% was significantly lower than the maximum of X%. 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1997114    
XXXXXX SAIF2025CES0229   D B D A C B N/A N/A Closed FCRE1159 07/19/24 08/13/24 Resolved 1 - Information D A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Documentation provided supports HOI in force prior to closing. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the HOI policy attached. There are two previous HOI policies: one that ran from XX/XX/XXXXUntil Cancelled and the second was from XX/XX/XXXX to XX/XX/XXXX - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXXThe HOI Policy in file reflects an effective date of XX/XX/XXXX This is after the Note date of XX/XX/XXXX and the disbursement date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see the HOI policy attached. There are two previous HOI policies: one that ran from 0XX/XX/XXXX Until Cancelled and the second was from XX/XX/XXXXto XX/XX/XXXX. - Seller-XX/XX/XXXX
 Resolved-Hazard Insurance Effective Date of XX/XX/XXXXis prior to or equal to the Note Date of XX/XX/XXXXOr Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2020318    
XXXXXX SAIF2025CES0229   D B D A C B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996538    
XXXXXX SAIF2025CES0231   C B A A C B N/A N/A Closed 3634 07/12/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No cure is needed. Discount points were increased because a rate lock/relock/lock extension. Please see COC, screenshot showing CD been delivered to our borrower, CD and proof of delivery - Seller-07/31/2024
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). -  The Loan Discount fee was added to the Initial CD in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No cure is needed. Discount points were increased because a rate lock/relock/lock extension. Please see COC, screenshot showing CD been delivered to our borrower, CD and proof of delivery - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed with the same employer for overXyears.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1978877    
XXXXXX SAIF2025CES0231   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been employed with the same employer for overXyears.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1978874    
XXXXXX SAIF2025CES0232   D B D A C B N/A N/A Closed FCRE1495 07/21/24 08/06/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified VVOE is incomplete.  The Verbal VOE indicates verification by X; however, this report was not in file. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2027933    
XXXXXX SAIF2025CES0232   D B D A C B N/A N/A Closed FCRE1316 07/18/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received WVOE for the Borrower dated XX/XX/XXXX.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. This should not be required, as the VVOE form is certified by the processor to confirm the CoreLogic report was pulled. Nevertheless, it is attached here in order to demonstrate its reliability. - SellerXX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The lenders Verbal VOE indicates the Borrower's employment was verified by the CoreLogic Report; however, the report was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. This should not be required, as the VVOE form is certified by the processor to confirm the X report was pulled. Nevertheless, it is attached here in order to demonstrate its reliability. - Seller-XX/XX/XXXX
 Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The CLTV of X% is significantly lower than the maximum of CLTV of X%.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011034    
XXXXXX SAIF2025CES0232   D B D A C B N/A N/A Closed 2962 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the XX higher-priced mortgage loan test.  (XX0,XX Financial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.
While the XX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - CLTV of X% is less than the maximum guidelines of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991896    
XXXXXX SAIF2025CES0232   D B D A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - CLTV of X% is less than the maximum guidelines of X%.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1991894    
XXXXXX SAIF2025CES0233   B B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrower has resided at the subject property for X years.
Time on job greater than X years - Borrower has been employed with the same employer for overXyears.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1990188    
XXXXXX SAIF2025CES0234   D B D A C B N/A N/A Closed FCOM3075 07/19/24 08/07/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 is missing US Patriot Act Disclosure or ID Resolved-Borrower 1 is missing copy of Photo ID - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received Patriot Act form to verify Borrower's identity.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see the Patriot Act Information form attached signed and dated by Notary agent.  - Seller-XX/XX/XXXX
Open-Borrower 1 is missing copy of Photo ID Documentation was not located in file to confirm the identity of the Borrower. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see theXX Information form attached signed and dated by Notary agent.  - Seller-XX/XX/XXXX
 Resolved-Borrower 1 is missing copy of Photo ID - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Compensating Factors include the low DTI ofX%.
Time on job greater than X years - Compensating Factors include the Borrower's time with current employer over X years		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2021579    
XXXXXX SAIF2025CES0234   D B D A C B N/A N/A Closed 3352 07/17/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - DTI of X is less than guideline maximum DTI of X
Time on job greater than Xyears - Compensating Factors include the Borrower's time with current employer over Xyears		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2002114    
XXXXXX SAIF2025CES0236   C B A A C B N/A N/A Closed 2261 07/12/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the X Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While the X Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrower has resided at the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1980853    
XXXXXX SAIF2025CES0236   C B A A C B N/A N/A Closed 3352 07/12/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrower has resided at the subject property for X years.
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1980851    
XXXXXX SAIF2025CES0237   C B A A C B N/A N/A Closed 3634 07/13/24 08/01/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. No cure is needed. Discount points were increased in the CD dated XX/XX/XXXXbecause was a Rate Lock/Relock/lock extension. Please see attached documents including proof of delivery, COC and CD dated XX/XX/XXXX - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-The Loan Amount (Points) fees were added to the Final CD in the amount of $X without a valid COC and were not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. No cure is needed. Discount points were increased in the CD dated XX/XX/XXXXbecause was a Rate Lock/Relock/lock extension. Please see attached documents including proof of delivery, COC and CD dated XX/XX/XXXX Seller-0XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with his employer over X years
Time in home greater than Xyears - Borrower has been in home for XX years		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982087    
XXXXXX SAIF2025CES0237   C B A A C B N/A N/A Closed 3352 07/13/24 07/22/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been employed with his employer over X years
Time in home greater than Xyears - Borrower has been in home for XX years		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1982083    
XXXXXX SAIF2025CES0238   B B A A B B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Compensating Factors include the Borrower's time in home of X years
Subject LTV significantly less than required - Compensating Factors include the low CLTV of X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988821    
XXXXXX SAIF2025CES0239   D B D A B B N/A N/A Closed FCRE1316 07/15/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received updated WVOE for Borrower dated XX/XX/XXXX showing active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Closing VVOE attached, please note the verification date/time is intended to show the borrowers were active at the time of verification and page X is also attached to demonstrate that. - Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing  verbal verification dated within 10 days of Note date - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Closing VVOE attached, please note the verification date/time is intended to show the borrowers were active at the time of verification and page X is also attached to demonstrate that. - Seller-XX/XX/XXXX
 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with his current employer for XX years
Subject LTV significantly less than required - LTV of X% is less than maximum of X%
Time in home greater than X years - Borrowers have resided at the subject property for X years		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1988934    
XXXXXX SAIF2025CES0239   D B D A B B N/A N/A Closed FCRE1347 07/15/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received updated WVOE dated XX/XX/XXXX for BorrowerX showing active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-attached to other finding - Seller-XX/XX/XXXX
Open-Borrower X rd Party VOE Prior to Close Missing  verbal verification dated within X days of Note date - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-attached to other finding - Seller-XX/XX/XXXX
 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - The Borrower has been employed with his current employer for XX years
Subject LTV significantly less than required - LTV of X% is less than maximum of X%
Time in home greater than X years - Borrowers have resided at the subject property for X years		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1988935    
XXXXXX SAIF2025CES0239   D B D A B B N/A N/A Closed 2502 07/12/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees CT Nonprime Home Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X nonprime home loan test.

The loan is a nonprime home loan, as defined in the legislation. For more information please see the XNonprime Home Loan Article section of the full Compliance Analyzer report.

While the X Nonprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy nonprime home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been employed with his current employer for XX years
Subject LTV significantly less than required - LTV of X% is less than maximum of X%
Time in home greater than X years - Borrowers have resided at the subject property for X years		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1980824    
XXXXXX SAIF2025CES0239   D B D A B B N/A N/A Closed 3352 07/12/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been employed with his current employer for XX years
Subject LTV significantly less than required - LTV of X% is less than maximum of X%
Time in home greater than X years - Borrowers have resided at the subject property for X years		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1980822    
XXXXXX SAIF2025CES0240   C A A A C A N/A N/A Closed 3634 07/12/24 07/30/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received resolved the exception for the can not increase.  - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Funder CD and Final Xreflecting cure completed at funding. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). -  The Transfer Tax fee increased on the Final CD by $Xcompared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Funder CD and Final Xreflecting cure completed at funding. - Seller-XX/XX/XXXX
 Resolved-The documentation received resolved the exception for the can not increase.  - Due Diligence VendorXX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater thanX years - Borrowers have resided in the subject property X years
Subject LTV significantly less than required - Compensating factors include approval of the loan with the low CLTV of X%.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 1978273    
XXXXXX SAIF2025CES0241   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - The Borrower has been with the same employer for X years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1989317    
XXXXXX SAIF2025CES0242   C B A A C B N/A N/A Closed 3635 07/15/24 08/06/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. This was cured at funding, see the attached Funder CD with the $Xcredit for fee tolerance. - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X) exceed the comparable charges ($X) by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than Xpercent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - The aggregate total of 10% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $X and cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Shipment. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. This was cured at funding, see the attached Funder CD with the $XX/XX/XXXXcredit for fee tolerance. - Seller-XX/XX/XXXX
 Resolved-The reason for change of circumstance was sufficient for the resolution of exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987644    
XXXXXX SAIF2025CES0242   C B A A C B N/A N/A Closed 2838 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees OK HOEPA Higher-Priced Mortgage Loan Test Acknowledged-Loan is Grade B HPML, acceptable to client, finding acknowledged. - Due Diligence Vendor-XX/XX/XXXX
Unable to Resolve-Unable to Resolve-Accepted waterfall for HPML test EV2 - Seller-XX/XX/XXXX
Open-This loan failed the X HOEPA higher-priced mortgage loan test.
The loan is a higher-priced mortgage loan, as defined in the legislation. For more information please see the X Higher-Priced Mortgage Loan Article section of the full Compliance Analyzer report.
While the X HOEPA Higher-Priced Mortgage Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Unable to Resolve-Unable to Resolve-Accepted waterfall for HPML test EV2 - Seller-XX/XX/XXXX
 Acknowledged-Loan is Grade B HPML, acceptable to client, finding acknowledged. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987645    
XXXXXX SAIF2025CES0242   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987642    
XXXXXX SAIF2025CES0243   D A D A A A N/A N/A Closed FCRE1495 07/21/24 08/06/24 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified Verbal VOE in file is incomplete - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		     QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2027601    
XXXXXX SAIF2025CES0243   D A D A A A N/A N/A Closed FCRE1316 07/21/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received updated WVOE for the Borrower dated XX/XX/XXXX which reflects active status.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Document Uploaded. The verification date and time indicates the processor verified at that time the employment remained current. See attached internal documentation confirming the current status. - Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require the VVOE to state the current employment status of the Borrower; however, the VVOE dated XX/XX/XXXXdoes not reflect the current employment status of the Borrower. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Document Uploaded. The verification date and time indicates the processor verified at that time the employment remained current. See attached internal documentation confirming the current status. - Seller-XX/XX/XXXX
 Resolved-Borrower x3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2027582    
XXXXXX SAIF2025CES0243   D A D A A A N/A N/A Closed FCRE1438 07/30/24 08/06/24 Resolved 1 - Information D A Credit Eligibility ATR Risk Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX
Open-ATR Risk - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR Risk Resolved - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than Xyears - Borrower has resided at the subject property forX years
Subject LTV significantly less than required - Compensating Factors include approval of the loan with a low CLTV of X% whereas the maximum is X%		     QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2089010    
XXXXXX SAIF2025CES0244   C B A A C B N/A N/A Closed 2261 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence VendorXX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( NC GS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the X Rate Spread Home Loan Article section of the full Compliance Analyzer report.

While theX Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Time in home greater than X years - Borrower has resided at the subject property for Xyears		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988477    
XXXXXX SAIF2025CES0244   C B A A C B N/A N/A Closed 3352 07/15/24 07/31/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Time in home greater than X years - Borrower has resided at the subject property for Xyears		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988474    
XXXXXX SAIF2025CES0245   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrowers have resided in the subject property forX years     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1999494    
XXXXXX SAIF2025CES0246   D B D A C B N/A N/A Closed FCRE1155 07/11/24 08/01/24 Resolved 1 - Information D A Credit Insurance Subject Property Address on Note does not match Insured Property Address Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received updated hazard insurance to reflect subject property as X to match all documentation in file.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Hazard insurance uploaded. - Seller-XX/XX/XXXX
Open-Subject Property on Note does not match Insured Property Address Per the Note the address is X; however, the insurance reflects the address as X.  No other documentation in file reflects a unit number for the subject property. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Hazard insurance uploaded. - Seller-XX/XX/XXXX
 Resolved-Subject Property on Note matches Insured Property Address - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1967623    
XXXXXX SAIF2025CES0246   D B D A C B N/A N/A Closed 3352 07/09/24 07/22/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1956966    
XXXXXX SAIF2025CES0247   B B A A B B N/A N/A Closed 3352 07/16/24 07/31/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Compensating Factors include Borrower's time on job greater than X years.
Subject LTV significantly less than required - Compensating Factors include the low CLTV of X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1996192    
XXXXXX SAIF2025CES1705   D A D A A A N/A N/A Closed FCRE1201 01/29/25 02/12/25 Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Fraud report uploaded.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Fraud report uploaded. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Fraud report uploaded. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3309974    
XXXXXX SAIF2025CES1706   D A D A A A N/A N/A Closed FCRE6546 01/27/25 01/30/25 Resolved 1 - Information D A Credit Missing Doc Missing legal documents for senior or subordinate lien Resolved-Exception Resolved: Assumption resolved  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Missing copy of the assumption from VA dated XX/XX/XXXX- Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - SellerXX/XX/XXXX
 Resolved-Exception Resolved: Assumption resolved  - Due Diligence Vendor-0XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed at current job for X  years.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3287060    
XXXXXX SAIF2025CES1877   D A D A A A N/A N/A Closed FCRE6911 02/11/25 02/24/25 Resolved 1 - Information D A Credit Eligibility DTI exceeds program maximum Resolved-Cleared, resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Requesting clarification. The only debts calculated are the vehicle installment payment and alimony, and guidelines specifically require alimony be included as a debt and not deducted from income. - Seller-XX/XX/XXXX
Open-Military pay garnishment was included as debt instead of income reduction per guidelines which increased DTI to X% which exceeds guideline maximum DTI of X%. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Requesting clarification. The only debts calculated are the XXt payment and alimony, and guidelines specifically require alimony be included as a debt and not deducted from income. - Seller-XX/XX/XXXX
 Resolved-Cleared, resolved - Due Diligence VendorXX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
 		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3394740    
XXXXXX SAIF2025CES1723   D A D A A A N/A N/A Closed FCRE1168 01/29/25 02/13/25 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided Resolved- - Due Diligence Vendor-XX/XX/XXXX
Resolved-Additional guidelines provided.  Hazard Insurance Coverage Amount of $Xis equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $XX/XX/XXXX Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Rebuttal regarding hazard coverage uploaded. - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $X is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Hazard Insurance Coverage Amount of <$180,450> is less than total of both liens $X- Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Rebuttal regarding hazard coverage uploaded. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Additional guidelines provided.  Hazard Insurance Coverage Amount of $x is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $x  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X  years.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3310424    
XXXXXX SAIF2025CES1759   C A A A C A N/A N/A Closed FCOM1223 01/17/25 01/27/25 Resolved 1 - Information C A Compliance Closing The Deed of Trust is Not Executed Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Borrower-signed copy attached. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Not Executed The Borrower (Vernon Fant) did not sign the Security Deed. The Security Deed was signed by the Non Borrowing Spouse and Non Borrowing Title holder. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Borrower-signed copy attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The Deed of Trust is Executed - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3234075    
XXXXXX SAIF2025CES1766   C A A A C A N/A N/A Closed 3634 01/23/25 02/06/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached updated closing disclosure sent to borrowers. Per x, moving the fee to section H cures the finding. - Seller-XX/XX/XXXX
Counter-Please reference the SFIG 4.0 clarification for when a COC is valid for an increase in Appraisal fees or additional appraisal fee.  The reason for change must be one that was not known at time of Initial LE and they actually use an example of providing an Invoice which is insufficient.  This appears to have been a known fee at the time of the Initial LE, yet was not on the initial LE and this fee was also included in Section B which are non-shoppable fees required by the lender to complete the current transaction and paid by the borrower, if this is being treated like a pay off of a bill which is what it appears according to the explanation below it is in the wrong place on the CD, it should be in Section H or listed in the debts to be paid.  We cannot clear this with the documentation provided as there is not a valid reason for the COC and the fee is not in the correct section of the CD if it is not a fee for this transaction.  
SFIG example of Valid COC reason for appraisal fee:
Appraisal Fee
- Insufficient – Market fluctuations; or Borrower Requested change (with no additional documentation); or Loan Program/Investor Change (with no additional information); or Appraisal Rush or Reinspection order/invoice received (with no additional information)  
- Sufficient –  Appraiser discovered that home was PUD rather than SFR and notified borrower of $X increase in appraisal cost on [date]; or Borrower email documenting request for appraisal rush on [date]; or Appraisal came in lower resulting in higher LTV.  Borrower no longer qualifies for the same investor program due to LTV.  New program/investor determined on [date] requires AVM increasing appraisal cost. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The appraisal was completed prior to the subject loan application date, and the invoice (attached) also shows it was paid prior to the activation date. The loan number on the invoice is not the subject loan number. Thus, this does not represent the addition of a $X appraisal fee but rather is including an appraisal fee the borrowers already paid toward the application of a different loan. Thus, no cure would be needed. - Seller-XX/XX/XXXX
Counter-It is confirmed the correct fee that increased was the appraisal fee. The following is the corrected commentary.
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Appraisal fee was added to the Initial CD dated 12/03/2024 in the amount of $X without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-This appears instead to relate to the appraisal fee, not the settlement fee. Can you please confirm? - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Settlement Closing fee was added to the Revised CD dated XX/XX/XXXX in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached updated closing disclosure sent to borrowers. Per Teresa Sasnett, moving the fee to section X cures the finding. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. The appraisal was completed prior to the subject loan application date, and the invoice (attached) also shows it was paid prior to the activation date. The loan number on the invoice is not the subject loan number. Thus, this does not represent the addition of a $Xappraisal fee but rather is including an appraisal fee the borrowers already paid toward the application of a different loan. Thus, no cure would be needed. - Seller-XX/XX/XXXX
 Ready for Review-This appears instead to relate to the appraisal fee, not the settlement fee. Can you please confirm? - Seller-0XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.
Time in home greater than X years - Borrowers has lived in subject property X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3267439    
XXXXXX SAIF2025CES1772   C A A A C A N/A N/A Closed 3634 01/29/25 02/12/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PCCD, LOE and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Credit Report fee increased on the Revised CD dated XX/XX/XXXX by $Xcompared to the baseline without a valid COC. Please provide the valid COC for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.
 - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. XX and payment history reflecting PR uploaded. - SellerXX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X  years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3303851    
XXXXXX SAIF2025CES1780   D A D A A A N/A N/A Closed FCRE1316 01/17/25 01/21/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The verbal VOE in file indicates the employment was verified through The Work Number; however, The Work Number was not in the loan file. - Due Diligence Vendor XX/XX/XXXX		   Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has been employed in same career X for years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3228832    
XXXXXX SAIF2025CES2422   D A D A A A N/A N/A Closed FCRE1495 01/17/25 01/21/25 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified The file does not contain a complete verbal verification of employment as required. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has been employed in same career X for years.     #N/A #N/A $XX,XXX XX XXXXXX XXXXX XXXXX 3228833    
XXXXXX SAIF2025CES1785   D A D A A A N/A N/A Closed FCRE1316 01/16/25 01/21/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower X rd Party VOE Prior to Close Missing The verbal VOE in file indicates the verbal VOE was obtained through The Work Number; however, the file did not contain a copy of The Work Number. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for  X  years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3226657    
XXXXXX SAIF2025CES1785   D A D A A A N/A N/A Closed FCRE1347 01/16/25 01/21/25 Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower 2 3rd Party VOE Prior to Close Missing The verbal VOE in file indicates the verbal VOE was obtained through The Work Number; however, the file did not contain a copy of The Work Number. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-Borrower Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than  X  years - Borrower has been employed at current job for X  years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3226658    
XXXXXX SAIF2025CES1785   D A D A A A N/A N/A Closed FCRE1495 01/16/25 01/21/25 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified The file does not contain verbal VOEs for the Borrowers. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than  X  years - Borrower has been employed at current job for X  years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3226659    
XXXXXX SAIF2025CES1802   D A D A A A N/A N/A Closed FCRE1148 01/16/25 01/24/25 Resolved 1 - Information D A Credit Title Title Coverage is Less than Subject Lien(s) Total Resolved-Title Coverage provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. See page 2, item 1, title coverage is $XXX  Seller-XX/XX/XXXX
Open-Title Coverage Amount of $Xis Less than Total Amount of Subject Lien(s) of $XX/XX/XXXX NA - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. See page 2, item 1, title coverage is $X. - SellerXX/XX/XXXX
 Resolved-Title Coverage provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than  X  years - Borrower has been employed at current job for X  years.   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3224916    
XXXXXX SAIF2025CES1802   D A D A A A N/A N/A Closed FCRE1316 01/16/25 01/21/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The Verbal VOE in file indicates the Work Number was used to verify employment.  The X was not located in file. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than  X  years - Borrower has been employed at current job for X  years.     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3224596    
XXXXXX SAIF2025CES1802   D A D A A A N/A N/A Closed FCRE1495 01/16/25 01/21/25 Resolved 1 - Information C A Credit QM-ATR ATR:  Current Employment Not Verified Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Current Employment Not Verified The file is missing a verbal VOE as required by guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-ATR:  Current Employment Was Verified - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than  X  years - Borrower has been employed at current job for X  years.     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3225983    
XXXXXX SAIF2025CES1826   C A A A C A N/A N/A Closed 3634 02/03/25 02/12/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. VCOC uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX/XX/XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Discount Points fee was added to the Initial CD dated XX/XX/XXXX in the amount of $XX/XX/XXXX without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. The loan file does contain a COC dated XX/XX/XXXX for the reason of LTV Change. It appears the LTV change was a result of the value change. The reason for the value change does not allow for the fees in Section A to be increased. Therefore, this COC is invalid for the exception.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. VCOC uploaded. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed at current job for X  years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3334802    
XXXXXX SAIF2025CES1838   B A B A A A N/A N/A Closed FCRE8658 02/03/25 02/12/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Received Income Worksheet to support lender calculation.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see income worksheet attached, underwriter used base income paid hourly X hours/week.  X is X year average to qualify as more conservative.  OT is increasing year over year. - Seller-XX/XX/XXXX
Open-The Borrower was qualified with base income of XX/XX/XXXX however, documentation in file supports base monthly income of X  In addition, the file documents rental incomes of X  for X and X for X. The DTI is increased from X to X.  An updated application, 1008 and approval are needed. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Please see income worksheet attached, underwriter used base income paid hourly X hours/week. X+X year average to qualify as more conservative.  X is increasing year over year. - Seller-XX/XX/XXXX
 Resolved-Received Income Worksheet to support lender calculation.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3338702    
XXXXXX SAIF2025CES1841   C A A A C A N/A N/A Closed 3634 01/30/25 02/18/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. PCCD and payment history reflecting PR uploaded. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The 2nd appraisal fee was added to the Final CD dated 12/31/2024 in the amounT X without a valid COC and was not included in the baseline. COC in file does not provide a reason for the change, only that the fee was added which is not a valid COC per the clarification provided in the CFPB Highlights which can be found in the SFIG 4.0 appendix with examples.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Xand payment history reflecting PR uploaded. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed at current job for X  years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3314486    
XXXXXX SAIF2025CES1844   D A D A A A N/A N/A Closed FCRE1167 01/30/25 02/13/25 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided Resolved- - Due Diligence Vendor-XX/XX/XXXX
Resolved-Additional guidelines provided.  Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Response regarding hazard coverage uploaded. - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $X is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Hazard Insurance Coverage of X is less than all Subject Lien(s), in the amount of XX  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Response regarding hazard coverage uploaded. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Additional guidelines provided.  Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X  years.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3316540    
XXXXXX SAIF2025CES1845   D A D A A A N/A N/A Closed FCRE8658 01/23/25 01/29/25 Resolved 1 - Information D A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Received updated approval.  Exception resolved - Due Diligence Vendor-01/29/2025

Ready for Review-Document Uploaded. correct copy attached. - Seller-01/28/2025

Open-Loan Approval to be updated to reflect CLTV to <74.09%> and DTI of <37.98%>. - Due Diligence Vendor-01/27/2025		 Ready for Review-Document Uploaded. correct copy attached. - Seller-XX/XX/XXXX
 Resolved-Received updated approval.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed at current job for X  years.   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3269922    
XXXXXX SAIF2025CES1923   C B A A C B N/A N/A Closed 3399 02/18/25 04/07/25 Acknowledged 2 - Non-Material C B Compliance Disclosure High-Cost Mortgage Timing of Disclosure Test Cured-The documentation was able to cure within Xdays of discovery. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: ( 12 CFR §1026.31(c) )The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; or The High-Cost Mortgage Disclosure Date was not provided; or Neither the consummation date nor the closing date was provided. High Cost Mortgage disclosure was not provided. - Due Diligence Vendor-XX/XX/XXXX		   Cured-The documentation was able to cure within 60 days of discovery. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence VendorXX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.
Qualifying DTI below max allowed. -X %< DTI is X below maximum DTI of X
Time in home greater than X years - Borrower has lived in subject property X years.
Subject LTV significantly less than required - <X CLTV is below the maximum X CLTV by X.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3440283    
XXXXXX SAIF2025CES1923   C B A A C B N/A N/A Closed 3406 02/18/25 04/07/25 Acknowledged 2 - Non-Material C B Compliance Disclosure High-Cost Mortgage Pre-Loan Counseling Date Test Cured- - Due Diligence Vendor-XX/XX/XXXX
Resolved-The documentation was able to cure within X days of discovery. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings:  (12 CFR §1026.34(a)(5)(I), (ii))The loan is a XRESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; or The loan is a X TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; or The loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; or The High-Cost Mortgage Pre-Loan Counseling Date was not provided; or The High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date. Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. High cost mortgage pre-loan counseling disclosure not provided. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-The documentation was able to cure within X days of discovery. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.
Qualifying DTI below max allowed. -X %< DTI is X below maximum DTI of X
Time in home greater than X years - Borrower has lived in subject property X years.
Subject LTV significantly less than required - <X CLTV is below the maximum X CLTV by X.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3440285    
XXXXXX SAIF2025CES1923   C B A A C B N/A N/A Closed 3652 02/18/25 02/28/25 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cure already completed, see attached. - Seller-XX/XX/XXXX
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(I) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I). The final sum of specific and non-specific lender credits (X) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The lender credit on the revised CD datedXX/XX/XXXX time stamped XPM PST reflected an amount of $Xand decreased on a revised CD dated the same date of XX/XX/XXXXtime stampedXPM PST to $0 without a valid COC.  A refund in the amount of X is required with the following cure requirements met, PCCD, LOE, Copy of Refund, and proof of delivery or a Valid COC. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Cure already completed, see attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.
Qualifying DTI below max allowed. -X %< DTI is X below maximum DTI of X
Time in home greater than X years - Borrower has lived in subject property X years.
Subject LTV significantly less than required - <X CLTV is below the maximum X CLTV by X..		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3440730    
XXXXXX SAIF2025CES2129   C B A A C B N/A N/A Closed FPRO1245 03/25/25 04/02/25 Resolved N/A N/A N/A Property Appraisal Appraisal is Expired Resolved-Primary Value Appraisal is Expired - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Recertification of value received.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Recertification attached, dated XX/XX/XXXX. - Seller-XX/XX/XXXX
Open-Primary Value Appraisal is Expired The appraisal is dated XX/XX/XXXX. The appraisal is X days old at the time of closing and guidelines require the appraisal to be dated within X days.  The file does not contain a recertification of value. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Recertification attached, datedXX/XX/XXXX- Seller-XX/XX/XXXX
 Resolved-Primary Value Appraisal is Expired - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3692424    
XXXXXX SAIF2025CES2129   C B A A C B N/A N/A Closed 3634 03/25/25 03/31/25 Acknowledged 2 - Non-Material B B Compliance TRID Charges That Cannot Increase Test Acknowledged-The credit report fee increased on the Revised CD dated XX/XX/XXXX by $Xcompared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. The PC CD dated XX/XX/XXXXreflects a principal reduction of $279. The increase in the credit report fee in the amount of $X was cured by the principal reduction. Therefore, the increase in fee amount was cured with the PC CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
Acknowledged-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-The credit report fee increased on the Revised CD dated XX/XX/XXXXby $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX/XX/XXXX with a PCCD, Proof of refund, LOE, and proof of delivery. The PC CD dated XX/XX/XXXX reflects a principal reduction of $XThe increase in the credit report fee in the amount of $X was cured by the principal reduction. Therefore, the increase in fee amount was cured with the PC CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX
 Acknowledged-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Due Diligence Vendor-XX/XX/XXXX
       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3692690    
XXXXXX SAIF2025CES2130   C A A A C A N/A N/A Closed 47 03/25/25 04/02/25 Resolved 1 - Information C A Compliance Right to Rescind TILA Right of Rescission Test Resolved-The documentation received was sufficient for the disbursement of the loan prior to the end of the right to rescind and resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The borrower provided the attached explanation and waiver of the right to recission due to a financial emergency. - Seller-XX/XX/XXXX
Open-This loan failed the TILA right of rescission test.Closed-end ( 12 CFR §1026.23(a)(3) , transferred from  12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from  12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final and Post Consummation Closing Disclosures reflects the closing date as XX/XX/XXXX and a disbursement date of XX/XX/XXXX. This is less than three days for disbursement of the funds from closing. The loan should not be funded prior to the right of rescission has expired which is XX/XX/XXXX.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The borrower provided the attached explanation and waiver of the XX due to a financial emergency. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the disbursement of the loan prior to the end of the right to rescind and resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by X Points.
Qualifying DTI below max allowed. - DTI is X% below maximum DTI of X%.
Subject LTV significantly less than required -X% CLTV is below the maximum X% CLTV by X%.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3694323    
XXXXXX SAIF2025CES1981   D A D A A A N/A N/A Closed FCRE1293 02/12/25 02/24/25 Resolved 1 - Information C A Credit Income/Employment Income 2 Months Income Verified is Missing Resolved-IncomexMonths Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-x x letter provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see X showing monthly income.  - Seller-XX/XX/XXXX
Counter-Documentation to support the X income of $xx was not provided; exception remains. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see paystubs attached for last Xdays and also see guidelines in regards the paystubs. per same guidelines we just required X days' worth of paystubs or either kindly indicate on which part of the guidelines state that we required 2 months of paystubs. Thank you - Seller-XX/XX/XXXX
Open-Income XIncome Verified is Missing  X Income documentation missing. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see X letter showing monthly income.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Please see paystubs attached for last Xdays and also see guidelines in regards the paystubs. per same guidelines we just required X days' worth of Xor either kindly indicate on which part of the guidelines state that we required X mX of paystubs. Thank you - Seller-XX/XX/XXXX
 Resolved-Income X Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Time in home greater than X years - Borrower has resided at the subject property for Xyears		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3406782    
XXXXXX SAIF2025CES1981   D A D A A A N/A N/A Closed FCRE1159 02/07/25 02/20/25 Resolved 1 - Information D A Credit Insurance Hazard Insurance Effective Date is after the Note Date Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXXOr Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Hazard policy in effect at time of loan provided; exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Could you please see attached present and previous HOI policies?  - Seller-XX/XX/XXXX
Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX- Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Could you please see attached present and previous HOI policies?  - XX/XX/XXXX
 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying DTI below max allowed. - XDTI is X below maximum DTI of X		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3379312    
XXXXXX SAIF2025CES1984   D B A A B B N/A N/A Closed FVAL8862 02/12/25 02/20/25 Resolved N/A N/A N/A Property Missing Doc File does not contain all required valuation documents Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Original appraisal received; exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see X and original appraisal attached.  - Seller-XX/XX/XXXX
Open-The file contains a Retrospective Appraisal Creditability Report with a value of X.  The report indicates the original appraisal has a value of X; however, the file does not contain a copy of the original appraisal. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see 1004D and original appraisal attached.  - Seller0XX/XX/XXXX
 Resolved: Document received.
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Subject LTV significantly less than required - XCLTV is below the maximum X CLTV by X		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3409525    
XXXXXX SAIF2025CES1984   D B A A B B N/A N/A Closed FPRO1245 02/12/25 02/20/25 Resolved N/A N/A N/A Property Appraisal Appraisal is Expired Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Appraisal update provided, exception cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see 1004D and original appraisal attached.  - Seller-XX/XX/XXXX
Open-Primary Value Appraisal is Expired The Retrospective Appraisal Credibility report is datedXX/XX/XXXX.  The report is Xdays old, which is expired. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see 1004D and original appraisal attached.  - Seller-XX/XX/XXXX
 Resolved: Document received.
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Subject LTV significantly less than required - X CLTV is below the maximum X CLTV by X		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3410892    
XXXXXX SAIF2025CES1987   B B A A B B N/A N/A Closed 3352 01/23/25 01/27/25 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Per client direction finding has been acknowledge. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Per client direction finding has been acknowledge. - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3267809    
XXXXXX SAIF2025CES1987   B B A A B B N/A N/A Closed 2623 01/23/25 01/27/25 Acknowledged 2 - Non-Material B B Compliance Points & Fees MD COMAR Higher-Priced Mortgage Loan Test Acknowledged-Per client direction finding has been acknowledge. - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the X higher-priced mortgage loan test. ( Maryland COMAR 09.03.06.02B(13) ,  COMAR 09.03.09.02B(6) )
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of X Regulations X

While the Maryland X provisions specify that lenders can legally make this type of loan subject to certain disclosure requirements, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Per client direction finding has been acknowledge. - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3267816    
XXXXXX SAIF2025CES1994   B A B A A A N/A N/A Closed FCRE8658 02/17/25 03/04/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved- - Due Diligence VendorXX/XX/XXXX
Ready for Review-Received updated loan approval, 1008 and final application.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Apologies; see attached. - Seller-XX/XX/XXXX
Counter-No documents uploaded.  Please provide an updated Final Application, Transmittal Summary and Loan Approval to reflect the correct DTI. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Concur, docs attached. - Seller-XX/XX/XXXX
Open-The Borrower was qualified with the payment of X on the first lien with X.  The VOM in file reflects the P&I of X for the first lien.  Based on the actual P&I the DTI is increased from X to X  An updated Final Application, Transmittal Summary and Loan Approval are required to reflect the correct DTI. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Apologies; see attached. - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Concur, docs attached. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Qualifying DTI below max allowed. - XDTI is Xbelow maximum DTI of X
Subject LTV significantly less than required - X CLTV is below the maximum X CLTV by X		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3436230    
XXXXXX SAIF2025CES2142   C A A A C A N/A N/A Closed 3634 03/20/25 04/07/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cure complete and docs attached. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The transfer tax increased on the Initial CD dated XX/XX/XXXX by $X compared to the baseline with a valid COC. The valid COC changed the baseline amount for the transfer tax to $X. However, the transfer tax increased on both the Final CD and Post Consummation CD to a total of $X. The Final CD and Post Consummation CD reflect a lender credit in the amount of $X for above legal limits and was applied to the transfer tax which reduced the total amount to $X. The lender credit in the amount of $X was insufficient in the amount of $X. This could not be attributed to the rounding of the transfer tax fee amount on the Initial LE as the increase occurred on the Initial CD. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Cure complete and docs attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3655065    
XXXXXX SAIF2025CES2014   D A D A A A N/A N/A Closed FCRE1316 02/18/25 02/28/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 3rd Party VOE Prior to Close Missing Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-VOE for Borrower 1 provided.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Printing error removed some fields, attached is the complete version. - Seller-XX/XX/XXXX
Open-Borrower 1 3rd Party VOE Prior to Close Missing The verbal VOE in file dated XX/XX/XXXX does not reflect the name or position/department of the individual who provided the VOE. - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded. Printing error removed some fields, attached is the complete version. - Seller-XX/XX/XXXX
 Resolved-Borrower x 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.
Time in home greater than X years - Borrower has lived in subject property  X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3438034    
XXXXXX SAIF2025CES2014   D A D A A A N/A N/A Closed FCRE1347 02/18/25 02/28/25 Resolved 1 - Information D A Credit Missing Doc Borrower 2 3rd Party VOE Prior to Close Missing Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-VOE for Borrower 2 provided.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Printing error removed some fields, attached is the complete version. - SellerXX/XX/XXXX
Open-Borrower 2 3rd Party VOE Prior to Close Missing The verbal VOE in file dated XX/XX/XXXX does not reflect the name or position/department of the individual who provided the VOE. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Printing error removed some fields, attached is the complete version. - Seller-XX/XX/XXXX
 Resolved-BorrowerXrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equalsX) - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.
Time in home greater than X years - Borrower has lived in subject property  X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3438035    
XXXXXX SAIF2025CES2044   D A D A A A N/A N/A Closed FCRE8658 02/25/25 03/04/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Received statement for X reflecting a balance of X and monthly payment of X  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The credit supplement shows a X balance, matching the statement also attached here. It states "no amount due at this time" meaning the first payment is not yet due, not that there is a zero balance. - Seller-XX/XX/XXXX
Open-The loan approval in file reflects DTI of X  The credit supplement in file reflects the account with X has a zero balance.  The exclusion of this account decreases the DTI to X.  An updated lender approval, Transmittal Summary and Final application are required to reflect the DTI of X- Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The credit supplement shows a $X balance, matching the statement also attached here. It states "no amount due at this time" meaning the first payment is not yet due, not that there is a zero balance. - Seller-XX/XX/XXXX
 Resolved-Received statement for X reflecting a balance of X and monthly payment of X.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3479081    
XXXXXX SAIF2025CES2049   D A B A D A N/A N/A Closed FCOM1262 02/21/25 03/05/25 Resolved 1 - Information D A Compliance Missing Doc Right of Rescission is Missing Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Right of Rescission is Missing . The subject transaction is a second mortgage for the Borrower's  primary residence. The Right of Rescission for the Borrower and Non Borrower title holder was not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Right of Rescission is Provided - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3461318    
XXXXXX SAIF2025CES2049   D A B A D A N/A N/A Closed FCRE8658 02/24/25 03/04/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Received updated 1008, final application and lender approval reflecting correct DTI.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Concur, Attached - Seller-XX/XX/XXXX
Open-The Borrower was qualified with first mortgage payment of X.  The verification of mortgage in file reflects the payment of the first mortgage is X plus escrow shortage of X totaling X The DTI is decreased from X to X  An updated 1008, Final Application and approval are required to reflect the correct DTI. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Concur, Attached - Seller-XX/XX/XXXX
 Resolved-Received updated 1008, final application and lender approval reflecting correct DTI.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3471984    
XXXXXX SAIF2025CES2414   B A B A A A N/A N/A Closed FCRE8658 04/12/25 04/22/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Updated 1008, Final Application and Lender loan approval were provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Concur, although the total escrow shortage (after adding the $X) should be $Xwhich results in DTI X%. - Seller-XX/XX/XXXX
Open-Approval DTI of X does not match the Review DTI of X, lender did not include the monthly escrow shortage of X. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Concur, although the total escrow shortage (after adding the $Xshould be $Xwhich results in DTI X%. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
     XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3849031
XXXXXX SAIF2025CES2233   C A A A C A N/A N/A Closed 3652 03/15/25 04/07/25 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Cure completed, docs attached. - Seller-XX/XX/XXXX
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(I) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I). The final sum of specific and non-specific lender credits X does not exceed or equal the comparable sum of specific and non-specific lender credits X. Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). Lender Credits on the Revised CD dated XX/XX/XXXX reflected an amount of $X decreased on the Final CD dated XX/XX/XXXXto $X without a valid COC.  A refund in the amount of $X is required with the following cure requirements met, PCCD, LOE, Copy of Refund, and Proof of delivery. The Credit Report fee decreased from $X to $X - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Cure completed, docs attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Subject LTV significantly less than required - X% CLTV is below the maximum X CLTV by X%.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by X Points. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3620587    
XXXXXX SAIF2025CES2243   D A A A D A N/A N/A Closed FCOM1221 03/04/25 03/17/25 Resolved 1 - Information D A Compliance Missing Doc The Deed of Trust is Incomplete Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX
Open-The Deed of Trust is Incomplete . The loan file contains a mortgage for the subject transaction. The document reflects there are X pages. However, page X of X was not located in the loan file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Complete copy attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower has been employed at current job for X years.
Time in home greater than X years - Borrower has lived in subject property X years.
Qualifying DTI below max allowed. - X% DTI is X% below maximum DTI of X%.
Subject LTV significantly less than required - X% CLTV is below the maximum X % CLTV by XX%.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3523309    
XXXXXX SAIF2025CES2247   C A A A C A N/A N/A Closed 3634 03/24/25 03/31/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX & additional documents that shows that increase in the abstract fee was a valid increase also see valid COC, proof of delivery attached. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Abstract fee was added to the Initial CD dated XX/XX/XXXX in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $Xwith a PCCD, Proof of refund, LOE, and proof of delivery. The loan file does contain a COC dated XX/XX/XXXX; however, the COC reason for change to allow for the inclusion of the fee in Section B was invalid. The document stated the reason as the change in loan amount; however, all LEs and CDs reflect the same loan amount for the transaction as $X        - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see CD dated XX/XX/XXXX & additional documents that shows that increase in the abstract fee was a valid increase also see valid COC, proof of delivery attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Qualifying DTI below max allowed. - DTI of X is X% below maximum DTI of X
Time in home greater than Xyears - Borrower has lived in subject propertyX5 years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3683181    
XXXXXX SAIF2025CES2424   D A D A A A N/A N/A Closed FCRE1201 04/03/25 04/10/25 Resolved 1 - Information D A Credit Missing Doc Third Party Fraud Report not Provided Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Fraud Report provided.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Missing Third Party Fraud Report   - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career for X years.
Qualifying DTI below max allowed. - DTI is X% below maximum DTI of X%.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by X Points.
Time in home greater than Xyears - Borrower has lived in subject property X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 3775459    
XXXXXX SAIF2025CES2498   C A A A C A N/A N/A Closed 3634 04/14/25 04/24/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Counter-The loan file does not contain a COC supporting the change in loan amount. Please provide the valid COCs for the above fee changes on the Initial CD dated X or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-The loan amount changed from $X to $Xwhich is the legitimate change of circumstance justifying the increase in the discount point fee. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Loan Discount fee increased on the (Initial CD) dated XX/XX/XXXX to X compared to the baseline from the Final Loan Estimate dated XX/XX/XXXX in the amount of $X without a valid COC for a variance of $X Please provide the valid COCs for the above fee changes on the Initial CD dated XX/XX/XXXX or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Ready for Review-The loan amount changed from $Xto $X which is the legitimate change of circumstance justifying the increase in the discount point fee. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in industry greater than X years - Borrower has been employed in same career X for years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3857826
XXXXXX SAIF2025CES2314   C A B A C A N/A N/A Closed FCRE8658 03/27/25 04/03/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Considered theX account as most conservative approach.  Provided document reflects matching DTI.  Resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Partially disagree. Appears X is not including the X account on soft pull ending in X, but this account number is different than the account numbers shown on initial credit report. Although it appears this could be a duplicate of account ending X (due to matching open date and high limit) the account numbers differ and so CMS took the more conservative approach of considering them separate debts. Borrowers qualify either way. - Seller-XX/XX/XXXX
Open-Loan approval reflects DTI of X%  Actual DTI is X%.  Discrepancy due to including two revolving account payments twice.  Updated approval is required. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Partially disagree. Appears MC is not including the X account on soft pull ending in X but this account number is different than the account numbers shown on initial credit report. Although it appears this could be a duplicate of account endingX(due to matching open date and high limit) the account numbers differ and so CMS took the more conservative approach of considering them separate debts. Borrowers qualify either way. - Seller-XX/XX/XXXX
 Resolved-Considered the X account as most conservative approach.  Provided document reflects matching DTI.  Resolved. - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X years. 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3714630    
XXXXXX SAIF2025CES2314   C A B A C A N/A N/A Closed 3634 03/25/25 04/02/25 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. The rate was locked XX/XX/XXXX. This is a valid COC. - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The Loan discount fee was added to the Initial CD dated XX/XX/XXXX in the amount of $X without a valid COC and was not included in the baseline.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. The rate was locked X. This is a valid COC. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X years. 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3693615    
XXXXXX SAIF2025CES2399   B A B A A A N/A N/A Closed FCRE8658 04/06/25 04/10/25 Resolved 1 - Information B A Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Resolved-Updated 1008, final application and loan approval were provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Concur, attached update relevant docs. - Seller-XX/XX/XXXX
Open-1008 DTI was X and Review DTI was X, this is due to the lender not including the MI for the 1st lien reflected on the VOM in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Concur, attached update relevant docs. - Seller-XX/XX/XXXX
 Resolved-Updated 1008, final application and loan approval were provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Qualifying DTI below max allowed. - DTI of X is less than guideline maximum DTI of X
Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater thanX years - Borrower has been employed at current job forXyears. 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 3791875    
XXXXXX SAIF2025CES2631   C B A A C B N/A N/A Closed 3634 04/17/25 05/14/25 Cured 2 - Non-Material C B Compliance TRID Charges That Cannot Increase Test Cured-Cure provided in trailing documents, Principal reduction applied.  Finding cured. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Additional $XXcure applied. - Seller-XX/XX/XXXX
Counter-The Final Closing Disclosure has been updated for the Notary fee payee as Vylla. The compliance test was ran again and found the following tolerance violation. The Notary fee was added to the Initial CD dated XX/XX/XXXX in the amount of $XX without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery. It is noted the loan file does contain a COC dated <XX/XX/XXXX indicating the reason for the change was due to loan amount and title. However, the loan amount did not change and there is only a single Borrower for the loan which is supported by the Deed indicating a single woman. The COC does not have a valid reason for the change in circumstance. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. X was consistently disclosed as the payee for the notary fee on all disclosures except the consummation CD, where SnapDocs (payee for the Technology Fee eClosing) was input in error. X was the true payee.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Post Close Disclosure for the Notary fee indicates it was paid to an Affiliate of Lender as listed on the Affiliated Business Disclosure, this is different from the entity listed on the Final CD which is not an affiliate, please provide an invoice or alta statement to show the actually entity the Notary fee was paid to for further review. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Additional $XX/XX/XXXX cure applied. - Seller-0XX/XX/XXXX
 Ready for Review-Document Uploaded. Vylla was consistently disclosed as the payee for the notary fee on all disclosures except the consummation CD, where SnapDocs (payee for the Technology Fee eClosing) was input in error. Vylla was the true payee.  - Seller-XX/XX/XXXX
 Cured-Cure provided in trailing documents, Principal reduction applied.  Finding cured. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.
Time in home greater than X years - Borrower has lived in subject property X years.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3888844
XXXXXX SAIF2025CES2631   C B A A C B N/A N/A Closed 3800 04/24/25 04/24/25 Acknowledged 2-Non-Material C B Compliance ComplianceEase Qualified Mortgage Lending Policy Points and Fees Test Acknowledged-The underwriting fee reflected on the Final Closing Disclosure indicated an amount of $X The PC Closing Disclosure reflected the amount had been decreased to $X. The result was a cure for the High Cost and QM Points and Fees exceptions.  - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence VendorXX/XX/XXXX
Open-This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))The loan amount is $134,841.00 or more, and the transaction's total points and fees is $X, which exceeds X percent of the total loan amount of $X; orThe loan amount is less than $X but at least $X, and the transaction's total points and fees is $X, which exceeds $X; orThe loan amount is less than $X but at least $X, and the transaction's total points and fees is $X which exceeds X percent of the total loan amount of $X; orThe loan amount is less than $X but at least $X, and the transaction's total points and fees is $X, which exceeds $1,348.00; orThe loan amount is less than $Xand the transaction's total points and fees is $X, which exceeds 8 percent of the total loan amount of $X- Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-The underwriting fee reflected on the Final Closing Disclosure indicated an amount of $X. The PC Closing Disclosure reflected the amount had been decreased to $573. The result was a cure for the High Cost and QM Points and Fees exceptions.  - Due Diligence Vendor-XX
 Resolved- - Due Diligence Vendor-XX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.
Time in home greater than X years - Borrower has lived in subject property X years.		     QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX Originator Post-Close No 3948702
XXXXXX SAIF2025CES2602   C A A A C A N/A N/A Closed FCOM7201 04/14/25 05/15/25 Resolved 1 - Information C A Compliance Closing Loan Originator NMLS Status is Unknown Resolved-Loan Originator NMLS Status is Known - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. All documents have been corrected and re-executed. See attached. - Seller-XX/XX/XXXX
Open-Loan Originator NMLS Status is Unknown The Note and Deed of Trust reflects the Loan Originator as XX with an NMLS ID of XX. A search of the NMLS Consumer Access reflects a discrepancy of the information located on the documents. The person associated with the NMLS ID of X is X that is listed with an office of XFurther, the NMLS ID for X is reflected as X in NMLS Consumer Access. The Initial 1003 indicated the loan originator as X and the Final 1003 reflecting X (X). It could not be determined the loan originator for the loan transaction.

The Initial Loan Estimate, Revised Loan Estimate, Initial Closing Disclosure all reflect X (X as the loan originator. The Final Closing Disclosure reflects X (X) with an incorrect NMLS ID. The Post Consummation Closing Disclosure reflects PX(X) which is the correct NMLS ID.
 - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. All documents have been corrected and re-executed. See attached. - Seller-XX/XX/XXXX
 Resolved-Loan Originator NMLS Status is Known - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.
 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3856377
XXXXXX SAIF2025CES2552   D A D A B A N/A N/A Closed FCOM3075 04/03/25 04/10/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 is missing US Patriot Act Disclosure or ID Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Patriot Act Information Form provided.  Exception resolved - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower X is missing copy of Photo ID - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI of X is less than guideline maximum DTI of X
Subject LTV significantly less than required - XX LTV is below the maximum X% LTV byX%.
Time on job greater than X years - Borrower has been employed at current job for X years
Time in home greater than 5X years - Borrower has lived in subject property X years.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of Xby XPoints.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3777440    
XXXXXX SAIF2025CES2552   D A D A B A N/A N/A Closed FCOM1025 04/03/25 04/10/25 Resolved 1 - Information B A Compliance Missing Doc Borrower 1 Missing US Patriot Act Disclosure Resolved-The documentation received was sufficient to resolve the exception.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X is missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower X is missing US Patriot Act Disclosure The loan file does not contain the Patriot Act disclosure for the Borrower. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception.  - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Borrower X is missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI is X below maximum DTI of X%
Subject LTV significantly less than required - X% LTV is below the maximum X% LTV by 3X
Time on job greater than X years - Borrower has been employed at current job for 17 years
Time in home greater than X years - Borrower has lived in subject property X years.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of C by X Points.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3776919    
XXXXXX SAIF2025CES2552   D A D A B A N/A N/A Closed FCOM3075 04/03/25 04/10/25 Resolved 1 - Information D A Credit Missing Doc Borrower 1 is missing US Patriot Act Disclosure or ID Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Patriot Act Information Form provided.  Exception resolved - Due Diligence Vendor-0XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower 1 is missing copy of Photo ID - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-  - Due Diligence Vendor-XX/XX/XXXX Qualifying DTI below max allowed. - DTI is X below maximum DTI of  X
Subject LTV significantly less than required - X% LTV is below the maximum X% LTV byX%.
Time on job greater than Xyears - Borrower has been employed at current job forX years
Time in home greater than Xyears - Borrower has lived in subject propertyX years.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X byXPoints.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3777440
XXXXXX SAIF2025CES2552   D A D A B A N/A N/A Closed FCOM1025 04/03/25 04/10/25 Resolved 1 - Information B A Compliance Missing Doc Borrower 1 Missing US Patriot Act Disclosure Resolved-The documentation received was sufficient to resolve the exception.  - Due Diligence Vendor-XX/XX/XXXX
Resolved-Borrower X is missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-Borrower X is missing US Patriot Act Disclosure The loan file does not contain the Patriot Act disclosure for the Borrower. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient to resolve the exception.  - Due Diligence VendorXX/XX/XXXX
 Resolved-BorrowerX is missing US Patriot Act Disclosure - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - DTI is X below maximum DTI of  X
Subject LTV significantly less than required - X% LTV is below the maximum X% LTV byX%.
Time on job greater than Xyears - Borrower has been employed at current job forX years
Time in home greater than Xyears - Borrower has lived in subject propertyX years.
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X byXPoints.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3776919
XXXXXX SAIF2025CES2501   D A A A D A N/A N/A Closed FCOM2739 04/18/25 04/23/25 Resolved 1 - Information D A Compliance TRID TRID: Form/disclosure deficiency Resolved-The executed Final Closing Disclosure received was sufficient to resolve the exception.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
Open-The Final Closing Disclosure located in the loan was not signed personally. Therefore, the file is missing the executed Final Closing Disclosure. It is noted the Note and Deed of Trust located in the loan file were singed in person. Cure would be a fully executed (signed) Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attached. - Seller-XX/XX/XXXX
 Resolved-The executed Final Closing Disclosure received was sufficient to resolve the exception.  - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.Qualifying DTI below max allowed. - DTI is 25.77% below maximum DTI of 50%.
Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X years. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3906071
XXXXXX SAIF2025CES2640   C A C A A A N/A N/A Closed FCRE7001 04/03/25 04/17/25 Resolved 1 - Information C A Credit Eligibility Borrower 2 - Identification in file expired at time of closing Resolved-Borrower X Photo ID is greater than the transaction date - Due Diligence VendorXX/XX/XXXX
Ready for Review-ID provided and acceptable; exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Attestation and evidence of the correct ID information is attached. - Seller-XX/XX/XXXX
Open-The Patriot Act Information Form reflects the issuance date and expiration date for Borrower X are the same and is expired at the time of closing. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Attestation and evidence of the correct ID information is attached. - Seller-XX/XX/XXXX
 Resolved-Borrower X Photo ID is greater than the transaction date - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X years. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX 3775458    
XXXXXX SAIF2025CES2573   C A C A A A N/A N/A Closed FCRE1195 04/22/25 04/24/25 Resolved 1 - Information C A Credit Eligibility Audited CLTV Exceeds Guideline CLTV Ready for Review-Updated statement provided to show a reduction of balance in the first mortgage, reducing the CLTV.  Exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Payment history attached. The VOM originally provided shows the borrower was due for the XX/XX/XXXX payment. The attached shows the borrower paid the XX/XX/XXXXpayment prior to closing, applying $X to principal balance, plus an additional $X principal payment. 1st mortgage balance at time of closing was $X, which results in X% CLTV. - Seller-XX/XX/XXXX
Open-The audited CLTV of X exceeds the guideline maximum of X. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Payment history attached. The VOM originally provided shows the borrower was due for the XX/XX/XXXX payment. The attached shows the borrower paid the XX/XX/XXXX payment prior to closing, applying $X to principal balance, plus an additional $X principal payment. 1st mortgage balance at time of closing was $XX/XX/XXXX which results in X% CLTV. - Seller-XX/XX/XXXX
 Resolved: Document received.
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Qualifying DTI below max allowed. - DTI isX% below maximum DTI of 5X		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3926360
XXXXXX SAIF2025CES2493   D A D A A A N/A N/A Closed FCRE6911 04/20/25 05/01/25 Resolved 1 - Information D A Credit Eligibility DTI exceeds program maximum Resolved-Cleared with new documentation - Due Diligence VendorXX/XX/XXXX
Ready for Review-New documentation provided to include bonus, update liabilities and update DTI.  Exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Updated loan information to include the required payments. Underwriter has previously excluded borrower's bonus income as unnecessary, but has added back due to the additional monthly debts. Calculation worksheet attached along with 1008, 1003, and NAQ approval form. New DTI isX - Seller-XX/XX/XXXX
Open-Lender did not include any payments for the deferred student loans from the credit report with balances. Per the guidelines, X% of the balance should be used as the payment.  This caused the DTI to go from X to X. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Updated loan information to include the required payments. Underwriter has previously excluded borrower's bonus income as unnecessary, but has added back due to the additional monthly debts. Calculation worksheet attached along with 1008, 1003, and NAQ approval form. New DTI is X%. - Seller-XX/XX/XXXX
 Resolved-Cleared with new documentation - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has lived in subject property X years.
Time on job greater than X years - Borrower has been employed at current job for X years.
Qualifying Credit Score - XXX Representative credit score exceeds the minimum required credit score of X by X Points.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3910633
XXXXXX SAIF2025CES2462   C A A A A A N/A N/A Closed FVAL2477 04/21/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Appraisal incomplete (missing map, layout, pages, etc.) Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Desk Review Provided.  Exception resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached complete copy - Seller-XX/XX/XXXX
Open-Appraisal incomplete (missing map, layout, pages, etc.) The file is missing pages X of the Consolidated Analytics report. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. attached complete copy - Seller-XX/XX/XXXX
 Resolved-    - Due Diligence Vendor-XX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.
Qualifying DTI below max allowed. - DTI is X below maximum DTI of X
Subject LTV significantly less than required -XCLTV is below the maximum X CLTV by X
Time in home greater thanX years - Borrower has lived in subject property X years.
Time on job greater thanX years - Borrower has been employed at current job forXyears. 		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3917846
XXXXXX SAIF2025CES2603   C A A A A A N/A N/A Closed FVAL4977 04/18/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Wrong appraisal form for single family home Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is X
and the loan meets QM (APR < APOR +X%)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
Open-Wrong appraisal form for single family home Subject loan is HPML, all HPML loans require a desk review or 1004, subject contains AVM only,   Desk review or 1004 required per guidelines.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Guidelines state "For loans ≤X
• Automated Valuation (“AVM”): X confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < $X
and the loan meets QM (APR < APOR +X)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
 Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV bySubject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.%
Time in industry greater than Xyears - Borrower has been employed in same career X for years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3898333
XXXXXX SAIF2025CES2616   C A A A A A N/A N/A Closed FVAL4977 04/21/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Wrong appraisal form for single family home Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < $XX
and the loan meets QM (APR < APOR +X%)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
Open- Subject loan is X, all X loans require a desk review or 1004, subject contains AVM only,   Desk review or 1004 required per guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < $X
and the loan meets QM (APR < APOR + X%)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
 Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV bySubject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.%
Time in industry greater than Xyears - Borrower has been employed in same career X for years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3916559
XXXXXX SAIF2025CES2637   C B C A A A N/A N/A Closed FCRE7000 04/18/25 04/24/25 Resolved 1 - Information C A Credit Eligibility Borrower 1 - Identification in file expired at time of closing Resolved-Borrower 1 Photo ID is greater than the transaction date - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Photo ID provided with the correct expiration date.  Exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Please see attached, borrower made an error on the patriot act form. - Seller-XX/XX/XXXX
Open-Borrower 1 Photo ID type is Standard Driver's License - Not for federal use and expiration date is XX/XX/XXXX less than the transaction date of XX/XX/XXXXPer the USA Patriot Act Information Form, the expiration date was completed as XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. Please see attached, borrower made an error on the patriot act form. - Seller-XX/XX/XXXX
 Resolved-Borrower X Photo ID is greater than the transaction date - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
Qualifying Credit Score -X Representative credit score exceeds the minimum required credit score of  Points.
Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV by X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3901115
XXXXXX SAIF2025CES2637   C B C A A A N/A N/A Closed FVAL4977 04/17/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Wrong appraisal form for single family home Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is X
and the loan meets QM (APR < APOR + X%)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
Open-Wrong appraisal form for single family home Subject loan is HPML, all HPML loans require a desk review or 1004, subject contains AVM only,   Desk review or 1004 required per guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): 90% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < X
and the loan meets QM (APR < APOR +X%)"
Loan amount is $X and APR is equal to APOR plusX. - Seller-XX/XX/XXXX
 Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
Qualifying Credit Score -X Representative credit score exceeds the minimum required credit score of  Points.
Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV by X%.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3896214
XXXXXX SAIF2025CES2465   C A A A C A N/A N/A Closed FVAL4977 04/20/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Wrong appraisal form for single family home Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < $X
and the loan meets QM (APR < APOR +X%)"
Loan amount is $X and APR is equal to APOR plus X%. - Seller-XX/XX/XXXX
Open-Subject loan is HPML, all HPML loans require a desk review or 1004, subject contains AVM only,   Desk review or 1004 required per guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Guidelines state "For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
and "HPML loans require an interior inspection; unless the loan amount is < $X
and the loan meets QM (APR < APOR + X%)"
Loan amount is $430,000 and APR is equal to APOR plusX%. - Seller-XX/XX/XXXX
 Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV bySubject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.%
Time in industry greater than Xyears - Borrower has been employed in same career X for years.		     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3910550
XXXXXX SAIF2025CES2579   C A A A A A N/A N/A Closed FVAL4977 04/17/25 04/24/25 Resolved N/A N/A N/A Property Appraisal Wrong appraisal form for single family home Resolved-Meets requirements. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Guidelines state: For loans X
• Automated Valuation (“AVM”): X% confidence score must be attained"
And
"HPML loans require an interior inspection; unless the loan amount is < $X and the loan meets QM (APR < APOR + X%)"
Loan amount is $X and the APR is X% higher than the APOR. This is acceptable with no interior inspection, and AVM is otherwise acceptable. - Seller-XX/XX/XXXX
Open-Wrong appraisal form for single family home Subject loan is HPML, all HPML loans require a desk review or 1004, subject contains AVM only,   Desk review or 1004 required per guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Guidelines state: For loans ≤ $X
• Automated Valuation (“AVM”): X% confidence score must be attained"
And
"HPML loans require an interior inspection; unless the loan amount is < $Xand the loan meets QM (APR < APOR + 6.5%)"
Loan amount is $X and the APR is X% higher than the APOR. This is acceptable with no interior inspection, and AVM is otherwise acceptable. - Seller-XX/XX/XXXX
 Resolved-Meets requirements. - Due Diligence VendorXX/XX/XXXX
 Qualifying Credit Score - <X>  Representative credit score exceeds the minimum required credit score of <X>  by <X> Points.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3895036
XXXXXX SAIF2025CES2613   D A D A A A N/A N/A Closed FCRE2110 04/21/25 04/24/25 Resolved 1 - Information D A Credit Missing Doc Borrower 2 Missing Lender Income Calculation Worksheet Resolved-Document provided.  Exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX
Open-The file does not contain an income calculation worksheet for BX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded. attached. - Seller-XX/XX/XXXX
 Resolved-Document provided.  Exception cleared. - Due Diligence VendorXX/XX/XXXX
 Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV bySubject LTV significantly less than required - CLTV of X% is significantly less than program maximum of X%
Qualifying Credit Score - X Representative credit score exceeds the minimum required credit score of X by XPoints.%
Time in industry greater than Xyears - Borrower has been employed in same career X for years.		   XXXX QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 3913937
XXXXXX SAIF2025CES0032 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0032 XXXXXX C B A A C B N/A N/A Closed 8452 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   Notice Concerning Extensions of Credit attached | Resolved - The lender provided the Notice Concerning Extensions of Credit to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0036 XXXXXX C B A A C B N/A N/A Closed 8444 07/12/24 10/24/24 Resolved 1 - Information C A Compliance Excessive Fee TX Constitution A6 Required Fees Test This loan failed the required fees test. (X Constitution, Article 16, Section 50 (a)(6)(E) & (t)(4), as amendedXX) The loan requires the borrower(s) to pay, in addition to interest, fees to any person that are necessary to originate, evaluate, maintain, record, insure, or service the extension of credit that exceed X% of the original principal amount, excluding fees for: An appraisal performed by a third party appraiser; A property survey performed by a state registered or licensed surveyor; A state base premium for a mortgagee policy of title insurance with endorsements established in accordance with state law, or a title examination report if its cost is less than the state base premium for a mortgagee policy of title insurance without endorsements established in accordance with state law.

   Resolved Total X points and fees is $X, with a Discount Point acknowledgment in file, the adjusted total fees are Xand less than the X% Points and Fees     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0036 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0036 XXXXXX C B A A C B N/A N/A Closed 8452 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   XXXX of Credit attached | Resolved - The lender provided the Notice Concerning Extensions of Credit to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0033 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0033 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/01/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender - The loan file contains two copies of the documentation. Both reflect the Borrower having signed the document; however, the lender did not sign either document   Resolved - The lender provided the XX signed by lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0033 XXXXXX C B A A C B N/A N/A Closed 8452 07/12/24 08/01/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   Resolved - The lender provided the Notice Concerning Extensions of Credit signed by the Borrower to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0035 XXXXXX D B A A D B N/A N/A Closed 8452 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   NOTICE CONCERNING EXTENSIONS OF CREDIT attached | Resolved - The Notice Concerning Extensions of Credit was provided by the lender to clear the finding | Duplicate   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0035 XXXXXX D B A A D B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0035 XXXXXX D B A A D B N/A N/A Closed 19 07/12/24 08/09/24 Resolved 1 - Information D A Compliance RIGHT TO CANCEL None in file - RTC Right of Rescission is Missing - The loan file does contain the Texas Right to Rescind. However, it does not contain all the information required for a Right of Rescission. The date of receipt was located on the four copies. However, the signature date and cancel date were not located on the four documents.   Right of Rescission attached | Resolved - The Right to Cancel was provided by the lender to clear the finding | Duplicate   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0043 XXXXXX D B D A C B N/A N/A Closed 1040 11/24/23 02/01/24 Resolved 1 - Information D A Credit LIABILITY DOCUMENTATIO N Missing documentation to support omission of debts The monthly payment on the account with XX #XX was not considered in qualifying.  The final application indicates the debt would be satisfied at closing.  The Closing Disclosure reflects a payment to this Creditor; however, the payment amount is less than the account balance reflected on the credit report provided in file.   If the obligation was included the DTI would increase to XX% from XX%, which is excessive.   Resolved - Updated, income documentation received.   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0043 XXXXXX D B D A C B N/A N/A Closed 8436 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Borrower Missing Acknowledgment Regarding Fair Market Value of Homestead Property   Resolved. Acknowledgment XX of Homestead Property   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0043 XXXXXX D B D A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0042 XXXXXX C A A A C A N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0051 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0051 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0049 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0049 XXXXXX C B A A C B N/A N/A Closed 3352 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           QM: Safe Harbor APOR (APOR SH) QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0057 XXXXXX D B D A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0057 XXXXXX D B D A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0057 XXXXXX D B D A C B N/A N/A Closed 8452 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   Notice Concerning Extensions of Credit attached | Resolved - The lender provided the signed Notice Concerning Extensions of Credit to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0057 XXXXXX D B D A C B N/A N/A Closed 6755 04/14/24 04/18/24 Resolved 1 - Information D A Credit LIABILITY DOCUMENTATIO N Liability on 1003 - payment not verified/documented The loan application reflects monthly HOA Dues of $XXfpr the subject property.  The source of the payment amount is unknown and was not documented in file.  QC utilized the payment from the application for ratio calculations.   Resolved - X report confirms HOA dues. | See page Xof the XX report that shows the annual HOA $X= $Xmonthly   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0057 XXXXXX D B D A C B N/A N/A Closed 428 04/14/24 04/17/24 Resolved 1 - Information D A Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts for the Co-Borrower are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the Co-Borrower's personal tax returns and/or W-2s for the most recent two years.   Co-borrower's tax transcripts are attached | Resolved - Transcripts for the Co-Borrower were provided.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0533   B B B B B B N/A N/A Closed 3352 07/20/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding.
  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2025744    
XXXXXX SAIF2025CES0533   B B B B B B N/A N/A Seller FCRE8658 07/24/24 07/24/24 Open 2 - Non-Material B B Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Open-The P&I of the senior lien was X per the VOM and original Note located in the file.  The lender used an amount of X  The DTI decreased from X to X.  New documentation to include a 1003, 1008 and approval would be required, as per guidelines. - Due Diligence Vendor-XX/XX/XXXX   Deemed Non-Material based on minor variance and compensating factors
      Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2050503    
XXXXXX SAIF2025CES0061 XXXXXX B B A A B B N/A N/A Seller 8422 07/11/24 07/11/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (12.616%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.9%).(12 CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0249 XXXXXX B B A A B B N/A N/A Seller 8422 07/02/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (XX%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0534 XXXXXX B B B A B B N/A N/A Closed 6755 07/01/24 08/20/24 resolved 1 - Information B A Credit LIABILITY DOCUMENTATION Liability on 1003 - payment not verified/documented The loan application reflects a debt with the IRS with a payment of $XThe source of the payment amount is unknown and was not documented in file. QC utilized the payment from the application for ratio calculations.

It is noted, an IRS debt was paid off at closing; however, QC is unable to determine if this is the same debt.		 XX Resolved: Sufficient information recevied
      Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0534 XXXXXX B B B A B B N/A N/A Seller 8422 06/24/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the Mavent Report.

The loan's (X APR equals or exceeds the Federal HPML threshold of (X. The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0250   D B D A B B N/A N/A Closed 3352 07/09/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML loan not allowed within lender guidelines.  Exception graded B. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1954089    
XXXXXX SAIF2025CES0250   D B D A B B N/A N/A Closed FCRE1167 07/09/24 08/15/24 Resolved 1 - Information D A Credit Insurance Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-RCE was provided and coverage is sufficient to meet the RCE - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $Xis less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided HOI coverage of $X is insufficient to cover liens totaling $X.  An RCE was not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Sufficient Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1958017    
XXXXXX SAIF2025CES0251   C B A A C B N/A N/A Closed 3352 07/02/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - SellerXX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrower has resided at the subject property for X years   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX Originator Post-Close No 1921335
XXXXXX SAIF2025CES0251   C B A A C B N/A N/A Closed 3634 07/02/24 09/11/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The Closing Protection Letter was added to the FCD with the amount of $X without a valid COC. Please provide the cure for the above fee changes. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrower has resided at the subject property for X years   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 1921339
XXXXXX SAIF2025CES0252 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X Report.

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X). The threshold is determined by adding Xpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0252 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X Report.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0535   D B D A B B N/A N/A Closed 3352 07/12/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrowers have resided at the subject property over X years
Time on job greater than X years - Borrower 1 has been with employer for X years and Borrower X has been with employer for X years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1979437    
XXXXXX SAIF2025CES0535   D B D A B B N/A N/A Closed FCRE1365 07/15/24 08/06/24 Resolved 1 - Information D A Credit Missing Doc Borrower 2 IRS Transcripts Missing Resolved-Borrower XX X Provided or Not Applicable (Number of Borrowers equalsX) - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received X and X transcripts for X.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received copy of X for X and X  Condition remains.  Requesting copy of 1040 transcript for past 2 years. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Borrower XIRS X Missing Signed X-C from BorrowerX reflect a transcript request for tax form X in X and X  These documents were not located in file. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-0XX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Borrowers have resided at the subject property over X years
Time on job greater than X years - Borrower 1 has been with employer for XXyears and Borrower X has been with employer for XX years.		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1986689    
XXXXXX SAIF2025CES0536   D B D A B B N/A N/A Closed 3352 07/17/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is GradeXHPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrower has lived in the subject property for more than Xyears.    XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2008795    
XXXXXX SAIF2025CES0536   D B D A B B N/A N/A Closed FCRE8201 07/18/24 07/31/24 Resolved 1 - Information D A Credit Eligibility Loan does not conform to program guidelines Resolved-Received signed application with borrower notation of paying off noted debts in section X  Condition Cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The debts on final application do not reflect how the loan closed.  The debts with X and Xreflect they are open and have payment amounts; however, the credit report reflects these debts are paid and closed.  Provide an updated X to omit these debts. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Received signed application with borrower notation of paying off noted debts in section 2c.  Condition Cleared - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than Xyears.    XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2014718    
XXXXXX SAIF2025CES0537   C B A A C B N/A N/A Closed 3352 07/16/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The LTV isX% and CLTV isX%, which is lower than the max CLTV allowed of X%   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 1999359    
XXXXXX SAIF2025CES0537   C B A A C B N/A N/A Closed FCOM1334 07/17/24 07/31/24 Resolved 1 - Information C A Compliance State Reg XXXX 50(a)(6) Eligibility - Final Loan Application Resolved-X50(X) Eligibility - Final Loan Application - documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-X50a6 - Section 50(a)(6), Article XVI, of the Texas Constitution Borrower must be provided with a copy of Final Loan Application at least one business day prior to consummation. The final application was dated XX/XX/XXXX with a Note date of XX/XX/XXXX  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-X 50X- Final Loan Application - documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The LTV is X% and CLTV is X%, which is lower than the max CLTV allowed of X%   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2004103    
XXXXXX SAIF2025CES0537   C B A A C B N/A N/A Closed FCOM1343 07/17/24 07/31/24 Resolved 1 - Information C A Compliance Disclosure Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Resolved-Trailing document received with Lender signature, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Acknowledgment RXXXXd not signed by Lender - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Acknowledgment  XXXXnot signed by Lender - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Trailing document received with Lender signature, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Acknowledgment XXXXnot signed by Lender - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The LTV is X% and CLTV is X%, which is lower than the max CLTV allowed of X%   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2004105    
XXXXXX SAIF2025CES0253   D B D B B B N/A N/A Closed 3352 07/02/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-07/02/2024		 Ready for Review-Document Uploaded.  - SellerXX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX     XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX Originator Post-Close No 1922211
XXXXXX SAIF2025CES0253   D B D B B B N/A N/A Closed FCRE6911 07/10/24 09/05/24 Resolved 1 - Information D A Credit Eligibility DTI exceeds program maximum Ready for Review-Received letter of explanation regarding schedule C loss.  Business is no longer active, analysis of X reflects loss was associated with XX.  DTI is XX- Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The documentation provided is the W2 wage and income transcript.  The file contains the 1040 tax return transcript, which reflects the Schedule C loss for X and X A loss was also reflected for X. This loss was considered in qualifying, resulting in the DTI of X%. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded. Good afternoon, we are not finding a schedule C listed. - Seller-XX/XX/XXXX
Open-The DTI of X% exceeds the guideline maximum of X%.  The Tax Transcripts in file reflect Schedule C business loss of $X for X and $Xfor 2023 or $X monthly.  This loss was not considered by the lender nor did the file contain a letter of explanation. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded. Good afternoon, we are not finding a schedule C listed. - Seller-XX/XX/XXXX
 Resolved: Documentation received.
    XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 1964361
XXXXXX SAIF2025CES0253   D B D B B B N/A N/A Closed FCRE1497 07/10/24 09/05/24 Resolved 1 - Information C A Credit QM-ATR ATR: Reasonable Income Not Considered Ready for Review-Received letter of explanation regarding schedule C loss.  Business is no longer active, analysis of tax transcript reflects loss was associated with auto expense and depreciation.  DTI is X - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-ATR:  Reasonable Income or Assets Not Considered Self Employment loss was not considered in qualifying.  Including the loss results in a DTI ofX. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved: LOX received
    XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 1964102
XXXXXX SAIF2025CES0253   D B D B B B N/A N/A Seller FCRE8658 07/10/24 04/07/25 Open  2 - Non-Material D B Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Open-The loan approval and 1008 located in the loan file do not match how the loan was closed.  Both documents reflect the CLTV as X%.  The correct CLTV is X%. - Due Diligence Vendor-XX/XX/XXXX           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 1964393
XXXXXX SAIF2025CES0538   C B A A C B N/A N/A Closed 3352 07/15/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade X HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The LTV is X% and CLTV is X%, which is lower than the max CLTV allowed of X%
Time in home greater than X years - The Borrower has lived in the subject property for more than X years.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988596    
XXXXXX SAIF2025CES0538   C B A A C B N/A N/A Closed FCOM1343 07/15/24 07/31/24 Resolved 1 - Information C A Compliance Disclosure Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Resolved-Trailing document received with signature of Lender, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-Acknowledgment RXXd not signed by Lender - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Trailing document received with signature of Lender, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-AXXXXnot signed by Lender - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
Time in home greater than X years - The Borrower has lived in the subject property for more than X years.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1988431    
XXXXXX SAIF2025CES0539   B B A A B B N/A N/A Closed 3352 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
Time in home greater thanXyears - The Borrower's have lived in the subject property for over X years.
Qualifying DTI below max allowed. - The calculated DTI of Xis less than the maximum allowed of X		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2015145    
XXXXXX SAIF2025CES0539   B B A A B B N/A N/A Closed 2261 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees NC Rate Spread Home Loan Test Acknowledged-Acknowledged by Planet Home. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the X rate spread home loan test.
( XGS §24-1.1F(a)(7) )
The loan is a rate spread home loan, as defined in the legislation. For more information please see the XRate Spread Home Loan Article section of the full Compliance Analyzer report.

While the X Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
Time in home greater thanXyears - The Borrower's have lived in the subject property for over X years.
Qualifying DTI below max allowed. - The calculated DTI of Xis less than the maximum allowed of X		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2015148    
XXXXXX SAIF2025CES0029 XXXXXX C B A A C B N/A N/A Closed 8437 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not provided prior to consummation date Acknowledgment XXXX XXXX not provided prior to consummation date - The loan file contains two disclosures dated XX/XX/XXXX and XX/XX/XXXX of which neither are signed by the Borrower nor the Lender. Cure requirements would be located in the exceptions addressing the signature. If the correct dated document is received.   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0029 XXXXXX C B A A C B N/A N/A Closed 8439 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Notice Concerning Extensions of Credit not provided within 12 days of consummation Notice Concerning Extensions of Credit not provided within XX days of consummation - The loan file contains only one disclosure that was dated XX/XX/XXXX Cure requirement include a signed and dated disclosure withinXX days of consummation.   NOTICE CONCERNING EXTENSIONS OF CREDIT attached | Resolved - The lender provided the signed Notice Concerning Extensions of Credit to clear the finding
   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0029 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0028 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0028 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XX   not signed by Lender - The file contains two disclosures; however, neither of the disclosures was signed by the lender. Cure requirement include a disclosure signed by the Lender and Borrower.   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0037 XXXXXX D B D B C B N/A N/A Closed 6755 11/06/23 01/05/24 Resolved 1 - Information D A Credit LIABILITY DOCUMENTATIO N Liability on 1003 - payment not verified/documented The loan application reflects a debt with XXXX with a payment of $XThis installment loan is reflected on the Lender's credit report; however, a monthly payment amount is not provided.  The source of the payment amount is unknown and was not documented in file.  QC utilized the payment from the application for ratio calculations.    Resolved - Lender provided required documentation   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0037 XXXXXX D B D B C B N/A N/A Closed 428 11/06/23 01/30/25 Resolved 2 - Non-Material D B Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential Tax transcripts are not located in the file.  Guidelines require the tax transcripts must be obtained to validate the BorrowersXXX years.   Resolved - Tax Transcripts / 4506 no longer required due to updated guideline amendment     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0037 XXXXXX D B D B C B N/A N/A Closed 3352 07/02/24 07/17/24 Acknowledged 2 - Non-Material C B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged-Acknowledged by X.  Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0052 XXXXXX B B B A B B N/A N/A Closed 139 04/09/24 04/10/24 Resolved 1 - Information B A Credit APPLICATION/PROCESS DOC Loan approval form missing A loan approval form was not located in the file to confirm the loan was underwritten and approved prior to closing.   Resolved - Loan Approval was received.       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0052 XXXXXX B B B A B B N/A N/A Seller 19 07/12/24 07/13/24 Open  2 - Non-Material B B Compliance RIGHT TO CANCEL None in file - RTC Right of Rescission is Missing           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0052 XXXXXX B B B A B B N/A N/A Seller 8443 07/11/24 07/13/24 Open  2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0045 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0045 XXXXXX C B A A C B N/A N/A Closed 8452 07/12/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Missing Notice Concerning Extensions of Credit Missing Notice Concerning Extensions of Credit   NOTICE CONCERNING EXTENSIONS OF CREDIT attached | Resolved - The lender provided the signed Notice Concerning Extensions of Credit to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0045 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XXXX not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0038 XXXXXX D B D B A A N/A N/A Closed 428 12/21/23 01/30/25 Resolved 2 - Non-Material D B Credit TAX REVERIFS Tax Transcripts not in file - Sage Residential XXXX for the Borrower are not located in the file.  Guidelines require theXX must be obtained to validate the Borrower's W-2s for the most recent XX   Resolved - Tax Transcripts / 4506C no longer required due to updated guideline amendment     Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR SH) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0044 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0044 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding FXXXX not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0046 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0046 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XXXX  not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0048 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XXXXnot signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0048 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0254 XXXXXX B B A A B B N/A N/A Seller 8422 07/03/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0056 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0056 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XXXX not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0054 XXXXXX D B D A D B N/A N/A Closed 6980 04/10/24 07/16/24 Resolved 1 - Information D A Compliance INTENT TO PROCEED Not in file - TRID The Intent to Proceed was not located in file.   Resolved - The lender provided the Intent to Proceed to clear the finding | Doc uploaded   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0054 XXXXXX D B D A D B N/A N/A Closed 345 04/10/24 04/19/24 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Loan Application Missing - FINAL The final application for the X was not found in the file.   Responded - Final application for the Co-Borrower was provided.  The document was e-signed; however, an e-sign consent form was not provided in file. Please provide an e-sign consent form. | signed 1003 for co-borrower attached | Resolved - e-sign consent received. | E-Consent was provided for both borrowers previously. Attached again.   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0054 XXXXXX D B D A D B N/A N/A Closed 6777 04/10/24 10/24/24 Resolved 1 - Information D A Compliance Loan Estimate None in file - Loan Estimate Missing Loan Estimate. (Section 1026.19 (e)(1)(ii))
 		   Resolved -  Initial Loan Estimate provided   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0054 XXXXXX D B D A D B N/A N/A Closed 344 04/10/24 04/15/24 Resolved 1 - Information D A Credit APPLICATION/PROCESS DOC Initial App - Missing The initial application was not in file at time of audit.   Initial 1003's are attached | Responded - Initial application was provided.  The document was e-signed by both Borrowers; however, an e-sign consent form was not provided in file. Please provide an e-sign consent form for each Borrower. | Resolved - An accepted e-sign consent form for each Borrower was provided. | E-Consent is attached   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0054 XXXXXX D B D A D B N/A N/A Closed 3352 04/10/24 04/15/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0255 XXXXXX B B A A B B N/A N/A Seller 8422 06/30/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0256   C B A A C B N/A N/A Closed 3352 07/02/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML loan allowed within lender guidelines. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrower has lived in the subject property for more than Xyears.
Time on job greater than X years - Borrower Xis rXy with X years in current civilian position with the X BorrowerXis in her X position forXyears with the Department of Defense.
Qualifying DTI below max allowed. - The qualifying DTI of X% is below the maximum DTI of 50%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX Originator Post-Close No 1923435
XXXXXX SAIF2025CES0256   C B A A C B N/A N/A Closed 2400 07/03/24 08/20/24 Resolved 1 - Information C A Compliance Points & Fees MD Credit Regulations Mortgage Loan DTI Provided Test Resolved-Trailing documents provided and finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - XX/XX/XXXX
Open-This loan failed the DTI provided test. ( MD SB270/HB363, Md. Code Ann., Com. Law II §12-127, 12-409.1, 12-925, 12-1029 )
The loan is a mortgage loan or secondary mortgage loan and the debt-to-income (DTI) ratio of the borrower was not provided. The DTI ratio is one of several factors that should be considered when determining the borrower's repayment ability.

PLEASE NOTE:  This result is not a determination that the lender or credit grantor analyzed the borrower's ability to repay a mortgage loan based on XXXX orXXX

See XX Credit Regulations Repayment Ability Alert (below) for full repayment ability requirements. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Trailing documents provided and finding resolved. - Due Diligence VendorXX/XX/XXXX
 Time in home greater than X years - The Borrower has lived in the subject property for more than Xyears.
Time on job greater than X years - Borrower Xis rXy with X years in current civilian position with the X BorrowerXis in her X position forXyears with the Department of Defense.
Qualifying DTI below max allowed. - The qualifying DTI of X% is below the maximum DTI of 50%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX N/A N/A 1926957
XXXXXX SAIF2025CES0257 XXXXXX B B A A B B N/A N/A Seller 8422 06/13/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan'sX APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0258 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 06/24/24 Open 2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML).  Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%).  The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation."  The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0259 XXXXXX B B A A B B N/A N/A Seller 8422 06/13/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding Xpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0542 XXXXXX B B A A B B N/A N/A Seller 8422 07/02/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0260 XXXXXX B B A A B B N/A N/A Seller 8422 06/30/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the Mavent Report.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0261 XXXXXX C B C A B B N/A N/A Closed 7851 06/19/24 08/15/24 Resolved 1 - Information C A Credit CREDIT DOCUMENTATION Missing - Payoff Letter Missing documentation reflecting the payoff for X #Xfor the amount of $X as shown on the Closing Disclosure. The Lender's Xindicates a balance of $X If the full balance is not paid off the debt must be included into the DTI ratios. If the debt was included the DTI would increase to X%, which would be excessive for program requirements.   Resolved - QC is unable to gross up the Borrower's X income due to a portion of it being taxable; however, grossing up the Borrower's disability income, the DTI is XX. The finding on this loan is cleared.       Non-QM: Lender documented all ATR UW factors General ATR $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0261 XXXXXX C B C A B B N/A N/A Seller 8422 06/13/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the Mavent Report.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding XX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors General ATR $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0262 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (10.05%). The threshold is determined by adding XX points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0263 XXXXXX B B A A B B N/A N/A Seller 8422 07/02/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (XX%) APR equals or exceeds the Federal HPML threshold of (9.71%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XX%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0264 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 06/24/24 Open 2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML).  Refer to the imaged copy of the XX.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%).  The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation."  The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0265 XXXXXX D B B A B B N/A N/A Closed 489 07/02/24 07/15/24 Resolved 1 - Information B A Credit INCOME DOCUMENTATION Missing W-2 Xs were not provided as required for the Borrower. XX Resolved - The Lender provided W2s for the prior XX for the Borrower.       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0265 XXXXXX D B B A B B N/A N/A Closed 134 06/27/24 07/10/24 Resolved N/A N/A N/A Property APPRAISAL DOCUMENTATION Missing Appraisal The URAR including the required exhibits was not located in the file.

The lender provided the URAR including the required exhibits.		 XX Resolved - Appraisal Provided       Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0265 XXXXXX D B B A B B N/A N/A Closed 1066 07/01/24 07/09/24 Resolved 1 - Information B A Credit INCOME DOCUMENTATION Income documentation - missing all The file is missing X for the Co-Borrower's income documentation. XX Resolved - Paystubs provided        Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0265 XXXXXX D B B A B B N/A N/A Seller 8421 06/27/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - HPML The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's X% APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines.		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0267 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 06/24/24 Open 2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML).  Refer to the imaged copy of the XX

The loan's (X) APR equals or exceeds the Federal HPML threshold of X%).  The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation."  The comparable APOR for this loan is (XX). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0543   C B A A C B N/A N/A Closed 3352 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by Planet Home. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2015395    
XXXXXX SAIF2025CES0543   C B A A C B N/A N/A Closed 3634 07/18/24 08/13/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The closing disclosure was received; however, the COC for the change was not received.  - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX/XX/XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 1-The appraisal fee increased on the Final CD by $X compared to the baseline without a valid COC. The Appraisal Review fee was added to the Final CD in the amount of $XX/XX/XXXX without a valid COC and was not included in the baseline. Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-The documentation received was sufficient for the resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Subject LTV significantly less than required - The calculated CLTV of X is less than the maximum allowed of X
 		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2015406    
XXXXXX SAIF2025CES0268 XXXXXX B B A A B B N/A N/A Seller 8422 06/27/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (XX%) APR equals or exceeds the Federal HPML threshold of (XX%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XX%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0269 XXXXXX B B A A B B N/A N/A Seller 8422 06/30/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XXX

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0270 XXXXXX B B A A B B N/A N/A Seller 8422 07/02/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0271   B B A A B B N/A N/A Closed 3352 07/15/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - Compensating Factors include approval of the loan with a DTI more thanX below the max allowable DTI.     Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1986887    
XXXXXX SAIF2025CES0272 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X). The threshold is determined by adding x points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0272 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0273 XXXXXX B B A A B B N/A N/A Seller 8421 07/03/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - HPML The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the Mavent Report.

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0274 XXXXXX B B A A B B N/A N/A Seller 8422 06/30/24 06/30/24 Open 2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML).  Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%).  The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation."  The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		       Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0544   B B A A B B N/A N/A Closed 3352 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower has been with current employer sinceX.  Additionally, Xof X%/X% are significantly less than the X% maximum allowed.
Subject LTV significantly less than required - The CLTV of X% is significantly less than the maximum allowable of X%		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2010017    
XXXXXX SAIF2025CES0275   C B A A C B N/A N/A Closed 3352 07/15/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
Qualifying Credit Score -X Representative credit score exceeds the minimum required credit score of  Points.
Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV by X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987653    
XXXXXX SAIF2025CES0275   C B A A C B N/A N/A Closed 3634 07/15/24 08/21/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC Received in trailing documents, Appraised value increased, valid COC, resolved exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The documentation received does not contain the COC for the exception. A valid COC is needed for the cure of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I).  1-The appraisal fee increased on the Final CD by $XX compared to the baseline without a valid COC.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $XX with a PCCD, Proof of refund, LOE, and proof of delivery.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-COC Received in trailing documents, Appraised value increased, valid COC, resolved exception. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - Subject lien was qualified with a DIT of  X which is less than the DTI max of  X
Qualifying Credit Score -X Representative credit score exceeds the minimum required credit score of  Points.
Subject LTV significantly less than required - X% CLTV is below the maximum X% CLTV by X%.		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 1987657    
XXXXXX SAIF2025CES0546   B B A A B B N/A N/A Closed 3352 07/23/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - The Borrowers were in the subject property for six years.
Time on job greater than Xyears - The Co-Borrower had been on her job for X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2036832    
XXXXXX SAIF2025CES0547   B B A A B B N/A N/A Closed 3352 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if Planet Home would rather Acknowledge finding. - Due Diligence Vendor-07/31/2024
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
Time on job greater than  X years - Borrower has been on job for   Xyears. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2010190    
XXXXXX SAIF2025CES0547   B B A A B B N/A N/A Closed 2962 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees CA AB 260 Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-07/31/2024
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the XX XX higher-priced mortgage loan test.  (X X2X , XFinancial Code Division 1.9 4995(a))
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XX Financial Code.
While the XX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
Time on job greater than  X years - Borrower has been on job for   Xyears. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2010192    
XXXXXX SAIF2025CES0034 XXXXXX C A A A C A N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   QM: Safe Harbor APOR (APOR SH) QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0050 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment XX not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0050 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0276 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding Xpoints to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0277 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           non-QM: Lender documented all ATR UW factors non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0278 XXXXXX B B A A B B N/A N/A Seller 8422 08/14/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a XX Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (XX%) APR equals or exceeds the Statel HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0279 XXXXXX B B A A B B N/A N/A Seller 8422 06/23/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0551   C B A A C B N/A N/A Closed FPRO1104 07/23/24 07/30/24 Resolved N/A N/A N/A Property Property Subject property in FEMA disaster area, missing required inspection Resolved-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. XX/XX/XXXX,declaration <Dec Number>,  effective date XX/XX/XXXX , End date XX/XX/XXXX. Missing subsequent inspection - Due Diligence Vendor-XX/XX/XXXX
Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Received copy of Disaster inspection  dated XX/XX/XXXX.  Exception cleared. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. Flood, declaration XX  effective dateXX/XX/XXXX, End date XX/XX/XXXX Missing subsequent inspection.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection Subject property is in a natural disaster area. <FEMA TITLE>,declaration <Dec Number>,  effective date XX/XX/XXXX , End date XX/XX/XXXX. Missing subsequent inspection - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Subject property in FEMA disaster area, missing required inspection - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower time on job X years.
Time in home greater than X years - Borrower time in home X years. 		 Subject property is in a natural disaster area. Flood, declaration 4781,  effective date 04/26/2024, End date 06/05/2024. Missing subsequent inspection.  XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2041002    
XXXXXX SAIF2025CES0551   C B A A C B N/A N/A Closed 3635 07/18/24 07/30/24 Resolved 1 - Information C A Compliance TRID Charges That In Total Cannot Increase More Than 10% Test Resolved-The documentation received resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that in total cannot increase more than X% test.  (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than X% ($X00) exceed the comparable charges ($X) by more than X%. Please see the table that displays the Charges That Cannot Increase More Than X% for a comparison of the data between the provided disclosures. An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(I) by more than X percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -  The aggregate total of X% fees increased on the Final CD without a valid COC or cure provided.  Refund amount is $Xand cure requirement will be PCCD, LOE, Copy of Refund Check, and Proof of Shipment.  - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-The documentation received resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower time on job X years.
Time in home greater than X years - Borrower time in home X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011487    
XXXXXX SAIF2025CES0551   C B A A C B N/A N/A Closed 3652 07/18/24 07/30/24 Resolved 1 - Information C A Compliance TRID Lender Credits That Cannot Decrease Test Resolved-The documentation received resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence VendorXX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(I) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I). The final sum of specific and non-specific lender credits ($X) does not exceed or equal the comparable sum of specific and non-specific lender credits ($X). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). - Lender Credits on the Revised Disclosure dated XX/XX/XXXX decreased on the Final Disclosure dated XX/XX/XXXX by $XX without a valid COC.  A refund is required with the following cure requirements met, PCCD, LOE, Copy of Refund, and Proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-The documentation received resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower time on job X years.
Time in home greater than X years - Borrower time in home X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011489    
XXXXXX SAIF2025CES0551   C B A A C B N/A N/A Closed 3352 07/25/24 07/30/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time on job greater than X years - Borrower time on job X years.
Time in home greater than X years - Borrower time in home X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2058122    
XXXXXX SAIF2025CES0551   C B A A C B N/A N/A Closed FCOM1343 07/18/24 07/30/24 Resolved 1 - Information C A Compliance Disclosure Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Resolved-The documentation received resolved the exception. - Due Diligence VendorXX/XX/XXXX
Resolved-Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-The documentation received resolved the exception. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Acknowledgment XXXX not signed by Lender - Due Diligence Vendor-XX/XX/XXXX
 Time on job greater than X years - Borrower time on job X years.
Time in home greater than X years - Borrower time in home X years. 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011288    
XXXXXX SAIF2025CES0053 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment Regarding XX not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0053 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0047 XXXXXX C B A A C B N/A N/A Closed 8435 07/11/24 08/09/24 Resolved 1 - Information C A Compliance DOCUMENTS Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Acknowledgment RegardingXX  not signed by Lender   X  attached | Resolved - The lender provided the Acknowledgment Regarding Xsigned by Lender to clear the finding   Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0047 XXXXXX C B A A C B N/A N/A Closed 8443 07/11/24 07/13/24 Acknowledged 2 - Non-Material B B Compliance HPML Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan. The rating has changed to a EV2.   Acknowledged-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML with appraisal -     Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0280 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 08/14/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the Mavent Report.

The loan's (XX%) APR equals or exceeds the Federal HPML threshold of (XX%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Safe Harbor APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0552   D B D A C B N/A N/A Closed 3352 07/17/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Compliant HPML - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Per the 1003, the Borrower has resided at the subject property for Xyears.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2002327    
XXXXXX SAIF2025CES0552   D B D A C B N/A N/A Closed FCRE1497 07/18/24 08/26/24 Resolved 1 - Information C A Credit QM-ATR ATR: Reasonable Income Not Considered Resolved-Received updated X reflecting Other income has been received for minimum of X years.  Other income of X decreases the ratio to X  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Open-ATR:  Reasonable Income or Assets Not Considered Income was calculated lower due to variable income and using aX month average, as per guidelines. - Due Diligence Vendor-XX/XX/XXXX		   Resolved-Received updated Xreflecting Xincome has been received for minimum of X years.  Other income of X decreases the ratio X.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Per the 1003, the Borrower has resided at the subject property for X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2015394    
XXXXXX SAIF2025CES0552   D B D A C B N/A N/A Closed FCRE6911 07/18/24 08/26/24 Resolved 1 - Information D A Credit Eligibility DTI exceeds program maximum Resolved-Received updated WTN which reflects at least X years of XX income.  Included Other monthly income of $XXwhich reduces the DTI.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-Per the guidelines, if a Borrower's hours fluctuate, average the past two years plus YTD earnings.  The paystubs in file show various hours worked each pay period.  Due to this, an average is utilized of the Borrower's base pay.  Base pay is $XX with overtime of $XX for total income of $XX.  Other pay reflected on the paystub, such as bonus and auto allowance, cannot be utilized as a two year history of receiving this type of income has not been established.  This additional income could be reviewed if a XX year history was documented, such as year end XX or a written VOE with an exact break down of earnings. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-The lender used income from base salary of X averaged from YTD and previous year.  The Borrower's paystubs reflects variable income, which is to be calculated from YTD and the most previous two years.  Using this X month average, the correct base salary is X  Overtime of X was also considered, based on a YTD average due to declining income.  Total income calculated was X

Additionally, an updated credit report dated XX/XX/XXXX reflects a debt with <X> with a payment of X  This debt was not reflected on the original report, nor was it paid off at closing.  With the decrease of income and the addition of this debt, the DTI increased to X, which exceeds program guidelines of X - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Received updated WTN which reflects at least Xyears of "Other" income.  Included Other monthly income of $X which reduces the DTI.  Condition cleared - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Per the 1003, the Borrower has resided at the subject property for X years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2011768    
XXXXXX SAIF2025CES0552   D B D A C B N/A N/A Closed FCOM1343 07/17/24 07/31/24 Resolved 1 - Information C A Compliance Disclosure Acknowledgment Regarding Fair Market Value of Homestead not signed by Lender Resolved-Trailing document received with Lender signature, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved-XXXXnot signed by Lender - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-Acknowledgment XXX of XX not signed by Lender - Due Diligence VendorXX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-Trailing document received with Lender signature, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
 Resolved-Acknowledgment XXXd not signed by Lender - Due Diligence Vendor-XX/XX/XXXX
 Time in home greater than X years - Per the 1003, the Borrower has resided at the subject property for X years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2002506    
XXXXXX SAIF2025CES0554   C B A A C B N/A N/A Closed 3352 07/18/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Counter-Loan is Grade B HPML, acceptable to client.  Advise if X would rather Acknowledge finding. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011927    
XXXXXX SAIF2025CES0554   C B A A C B N/A N/A Closed 3634 07/18/24 08/21/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-COC received in trailing documents, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
Resolved- - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Counter-The documentation received does not contain the COC for the exception. A valid COC is needed for the cure of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). 1- 1-The transfer tax fee increased on the Final CD by $X compared to the baseline without a valid COC. Please provide the valid COCs for the above fee changes or the cure requirements. Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
 Resolved-COC received in trailing documents, finding resolved. - Due Diligence Vendor-XX/XX/XXXX
 Resolved- - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
 		   XXXX Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX 2011931    
XXXXXX SAIF2025CES0055 XXXXXX D B D B D B N/A N/A Closed 3865 04/09/24 04/09/24 Open 2 - Non-Material D B Credit INSURANCE DOCUMENTATIO N Hazard Insurance - No amended Mortgagee Clause There was no proof in file the hazard insurance policy had been amended to show the new mortgagee clause.   Deemed Non -Material    Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0055 XXXXXX D B D B D B N/A N/A Closed 6990 04/09/24 10/24/24 Resolved 1 - Information D A Compliance SURVEY TRID - Survey - None in file - Charge on Closing Disclosure None in file at time of audit.  QC noted a charge of $XXfor the survey on the Closing Disclosure.

 		   Resolved - required documentation provided    Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0055 XXXXXX D B D B D B N/A N/A Closed 6881 04/09/24 07/10/24 Resolved 2 - Non-Material D B Compliance SERVICE PROVIDER DISCLOSURE Settlement Service Provider List - Not in file QC did not locate a Settlement Service Provider list in the loan file. Where a loan originator permits a borrower to shop for third party settlement services, the loan originator must provide the borrower with a written list of settlement service providers at the time the Loan Estimate is issued. (Bulletin XX/XX/XXXX   Deemed Non-Material    Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0055 XXXXXX D B D B D B N/A N/A Closed 8064 04/09/24 07/16/24 Resolved 1 - Information D A Credit INSURANCE DOCUMENTATIO N Flood INSURANCE POLICY - Mtgee Clause incorrect The Flood Insurance mortgagee clause is missing.   Resolved - The lender provided the Flood Insurance with the mortgagee clause to clear the finding | Doc uploaded   Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0055 XXXXXX D B D B D B N/A N/A Closed 3352 04/09/24 07/16/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test This loan failed the higher-priced mortgage loan test. ( 12 CFR  1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR 1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - The loan is compliant for the Higher-Priced Mortgage loan           Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0062 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 07/11/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the XX

The loan's (X%) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES0062 XXXXXX B B A A B B N/A N/A Seller 8422 06/24/24 07/11/24 Open  2 - Non-Material B B Compliance HPML Higher Priced Mortgage Loan - Compliant with Lender Guidelines The subject loan has received a Federal Higher-Priced Mortgage Loan Alert (HPML). Refer to the imaged copy of the X

The loan's (X) APR equals or exceeds the Federal HPML threshold of (X%). The threshold is determined by adding X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X%). (12CFR 1026.35(a)(1)(iii))

QC notes the subject loan is compliant with the lender guidelines		           Non-QM: Lender documented all ATR UW factors QM: Higher Priced APOR (APOR HP) $XX,XXX XX XXXXXX XXXXX XXXXX      
XXXXXX SAIF2025CES1070   D B D B B B N/A N/A Closed 3352 09/10/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Compliant HPML. - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Time in home greater than X years - Borrowers have resided at the subject property for over X years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2344372    
XXXXXX SAIF2025CES1070   D B D B B B N/A N/A Seller FCRE1158 09/10/24 11/12/24 Counter 2 - Non-Material D B Credit Insurance Hazard Insurance Policy is Partial Counter-No documentation received.  Hazard policy presented in file does not reflect premium and reflects expiration date of XX/XX/XXXX within Xdays of origination.  Although escrowed on additional loan, premium is required to adequately evaluate PITI. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-XX The insurance is impounded therefore it was calculated.

 - Seller-XX/XX/XXXX
Open-Hazard Insurance Policy Partially Provided The hazard policy provided in the loan file does not reflect the annual premium.  The premium is reflected as $X The hazard premium was calculated based on the information on the 1008 to calculate ratios. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-**Dispute**The insurance is impounded therefore it was calculated.

 - Seller-XX/XX/XXXX
   Time in home greater than X years - Borrowers have resided at the subject property for overX years.     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2345563    
XXXXXX SAIF2025CES1070   D B D B B B N/A N/A Seller FCRE1498 09/10/24 09/13/24 Resolved 1 - Information C A Credit QM-ATR ATR: Subject PITIA Not Adequately Documented Counter- - Due Diligence Vendor-09/13/2024

Ready for Review-Document Uploaded.  - Seller-09/13/2024

Open-ATR: Subject PITIA Not Adequately Documented - Due Diligence Vendor-09/10/2024		 Unable to evaluate full PITIA for subject property due to missing HOI premium.  Provide HOI documentation. Condition remains. -XX/XX/XXXX
 
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
   Time in home greater than X years - Borrowers have resided at the subject property for over X years.   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2345590    
XXXXXX SAIF2025CES0556   C B B B C B N/A N/A Closed 3352 08/01/24 09/13/24 Acknowledged 2 - Non-Material B B Compliance Points & Fees Higher-Priced Mortgage Loan Test Acknowledged-Acknowledged by XX. Grade Remains B - Due Diligence Vendor-XX/XX/XXXX
Open-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. 1-Compliant HPML.      - Due Diligence Vendor-XX/XX/XXXX		   Acknowledged-Acknowledged by X. Grade Remains B - Due Diligence Vendor- XX/XX/XXXX Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
Time on job greater than  X years - Borrower has been on job for   Xyears.
Subject LTV significantly less than required - The CLTV of 5X is significantly less than the maximum allowable ofX%		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2104306    
XXXXXX SAIF2025CES0556   C B B B C B N/A N/A Closed 3634 08/01/24 09/04/24 Resolved 1 - Information C A Compliance TRID Charges That Cannot Increase Test Resolved-The documentation received resulted in a resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
Ready for Review-Document Uploaded.  - Seller-XX/XX/XXXX
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(I))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(I).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(I). The loan discount fee increased on the Initial CD by $X compared to the baseline without a valid COC.  Please provide the valid COCs for the above fee changes or the cure requirements.  Cure requirements include a refund in the amount of $X with a PCCD, Proof of refund, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX		 Ready for Review-Document Uploaded.  - SellerXX/XX/XXXX
 Resolved-The documentation received resulted in a resolution of the exception. - Due Diligence Vendor-XX/XX/XXXX
 Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
Time on job greater than  X years - Borrower has been on job for   Xyears.
Subject LTV significantly less than required - The CLTV of Xis significantly less than the maximum allowable of X		   XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2104311    
XXXXXX SAIF2025CES0556   C B B B C B N/A N/A Seller FCRE8658 08/01/24 08/02/24 Open 2 - Non-Material B B Credit Eligibility Lender Specific – Loan Approval / Loan Application does not match review values (income, DTI or liabilities) Open-Provide updated Transmittal Summary, Final Application and Loan Approval needed to match how the loan was closed.  The 1008 reflects X for the first mortgage P&I with secondary payment of X The 1008 should reflect first mortgage P&I of X, second of X, taxes of X monthly insurance of X for a total payment of X   - Due Diligence Vendor-X   Deemed Non-Material
Qualifying DTI below max allowed. - The DTI of X% is significantly lower than the maximum DTI of X%.
Time on job greater than  X years - Borrower has been on job for   Xyears.
Subject LTV significantly less than required - The CLTV of X% is significantly less than the maximum allowable ofX		     Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors $XX,XXX XX XXXXXX XXXXX XXXXX 2106266