SAIF SECURITIZATION TRUST 2025-CES1 ABS-15G
Exhibit 99.3 - Schedule 1
| Sage Unique Identifier | Seller Loan ID | 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 | Acknowledged / WaivedBy | Waiver in File? | |
| SAIF2025CES1048 | C | A | A | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Mavent | xxx | Resolved-Revised Note was executed with a xxxxxx% late fee. - Due Diligence Vendor- xxxxx Open-Under the Virginia Interest and Usury Provisions, the late fee may not exceed xxxxxx% of the installment. (Va. Code 6.2-400(B)) As per final Note page # 494. Late fee percentage is xxxxxx% - Due Diligence Vendor-xxxxx |
Resolved-Revised Note was executed with a xxxxxx% late fee. - Due Diligence Vendor-xxxxxx |
xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1048 | C | A | A | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Mavent | xxx | Resolved- - Due Diligence Vendor-xxxxxx Resolved-Charges allowed under VA Law - Due Diligence Vendor-xxxxxx Open-Section 6.2-328 of the Virginia Interest and Usury Provisions does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in VA. Flood certificate charges is showing in all LE And CD. - Due Diligence Vendor- xxxxxx |
Resolved-Charges allowed under VA Law - Due Diligence Vendor-xxxxxx |
xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1322 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title has been provided and the condition has been cleared. - Due Diligence Vendor-xxxxxx Open-Title Document is missing - Due Diligence Vendor-xxxxxx |
Resolved-Title has been provided and the condition has been cleared. - Due Diligence Vendor-xxxxxx |
xxxxxx | xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1050 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Verification of Employment has been uploaded and condition is no cleared. - Due Diligence Vendor-xxxxxx Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-xxxxxx Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-xxxxxx |
Resolved-Verification of Employment has been uploaded and condition is no cleared. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1050 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title was provided and condition has been cleared. - Due Diligence Vendor-xxxxxx Open-Title Document is missing - Due Diligence Vendor-xxxxxx |
Resolved-Title was provided and condition has been cleared. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1050 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | AbilityToRepay:PriceBased | xxx | Resolved-Based on the Lender Guidelines the Non-QM status is acceptable based on the loan amount and APOR. - Due Diligence Vendor-xxxxxx Open-. - Due Diligence Vendor-xxxxxx Open- . - Due Diligence Vendor-xxxxxx Open-The loan's (xxxxxx%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (xxxxxx%), which is the comparable average prime offer rate of (xxxxxx%) plus 3.5. The System used the following date to perform the APOR index lookup (xxxxxx). The system added 3.5 to the comparable APOR because the ($xxxxxx) note amount equals or exceeds ($xxxxxx). The system used an interest rate of (xxxxxx%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-xxxxxx Open-The loan's (xxxxxx%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (xxxxxx%), which is the comparable average prime offer rate of (xxxxxx%) plus 3.5. The System used the following date to perform the APOR index lookup (xxxxxx). The system added 3.5 to the comparable APOR because the ($xxxxxx) note amount equals or exceeds ($xxxxxx). The system used an interest rate of (xxxxxx%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) The loan's (xxxxxx%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (xxxxxx%), which is the comparable average prime offer rate of (xxxxxx%) plus 3.5. - Due Diligence Vendor-xxxxxx |
Resolved-Based on the Lender Guidelines the Non-QM status is acceptable based on the loan amount and APOR. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1320 | C | A | A | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Mavent | xxx | Resolved-Section 535.8 Money and Interest the fee can be charged. - Due Diligence Vendor-xxxxxx Open- - Due Diligence Vendor-xxxxxx Open-Section 535.8 of the Iowa Money and Interest Provisions does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in IA. - Due Diligence Vendor-xxxxxx |
Resolved-Section 535.8 Money and Interest the fee can be charged. - Due Diligence Vendor-xxxxxx |
xxxxxx | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1049 | A | A | A | A | A | A | N/A | N/A | xxx | xxx | xxx | A | A | xxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | |||||||||||||||
| SAIF2025CES1323 | D | A | C | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Compliance | Missing Doc | xxx | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-xxxxxx Resolved-Initial CD provided and reviewed. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Ready for Review-CD provided was the Closing CD. There need to be a CD provided three business days prior to close. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Initial Closing disclosure is required to run compliance. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx Ready for Review-Document Uploaded. - Seller - xxxxxx |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-xxxxxx Resolved-Initial CD provided and reviewed. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1323 | D | A | C | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Credit | Insurance | xxx | Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx Resolved-Updated Insurance provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Hazard Insurance Expiration Date of xxxxxx is prior to or equal to the Note Date ofxxxxxx - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Hazard Insurance Expiration Date of xxxxxx is after the Note Date of xxxxxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-xxxxxx Resolved-Updated Insurance provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1323 | D | A | C | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Initial CD provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Ready for Review-CD provided was the Closing CD. There need to be a CD provided three business days prior to close. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Initial CD provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1321 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | xxx | Resolved-COC provided for Appraisal increase. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC is required for the increased Appraisal fee in initial CD - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-COC provided for Appraisal increase. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1321 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | TRID Tolerance | xxx | Resolved-COC provided for Appraisal increase. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC is required for the increased Appraisal fee in initial CD - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-COC provided for Appraisal increase. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1321 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title has been provided and is satisfactory. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Title Document is missing preliminary title is required. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Title has been provided and is satisfactory. - Due Diligence Vendorxxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1661 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Credit | Title | xxx | Resolved-Title provided to complete condition. - Due Diligence Vendor - xxxxxx Open-Title Coverage Amount of $xxxxxx is Less than Total Amount of Subject Lien(s) of $xxxxxx+x+xxxxxx - Due Diligence Vendor-xxxxxx |
Resolved-Title provided to complete condition. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1661 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Document provided sufficient to resolve condition. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure was provided on xxxxxx) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxx), for consummation to occur on (xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor - xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Document provided sufficient to resolve condition. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1661 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Compliance | Missing Doc | xxx | Resolved- - Due Diligence Vendorxxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Provide evidence that initial CD issue on xxxxxx was sent electronically - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1661 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Title Document is missing in file - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Title Document is fully Present - Due Diligence Vendor-xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1660 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved- - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Title Document is missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1662 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | AbilityToRepay:PriceBased | xxx | Resolved-Loan closed as a non-qm product. - Due Diligence Vendor-xxxxxx Open-The loan's (xxxxxx%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (xxxxxx%), which is the comparable average prime offer rate of (xxxxxx%) plus 3.5. The System used the following date to perform the APOR index lookup (xxxxxx). The system added 3.5 to the comparable APOR because the ($xxxxxx) note amount equals or exceeds ($xxxxxx) and is less than ($xxxxxx). The system used an interest rate of (xxxxxx%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(B)) - Due Diligence Vendor-xxxxxx |
Resolved-Loan closed as a non-qm product. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1662 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title provided to clear condition. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Title Document is missing - Due Diligence Vendor- xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Title provided to clear condition. - Due Diligence Vendor-xxxxxx | xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1662 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Income worksheet provided. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Income worksheet provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1662 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-CD provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx. Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-CD provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1666 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Income calculations provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Income calculations provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1666 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Compliance | Missing Doc | xxx | Resolved-Initial CD provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Initial CD is missing in file. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Initial CD provided. - Due Diligence Vendor - xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1666 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Mavent | xxx | Resolved- - Due Diligence Vendor-xxxxxx Open-Section 6.2-328 of the Virginia Interest and Usury Provisions does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in VA. - Due Diligence Vendor-xxxxxx |
Resolved- - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1666 | D | A | D | A | D | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Initial CD provided. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of (xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Initial CD provided. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1663 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Income calculation sheet provided. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor- xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Income calculation sheet provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1659 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Title provided clears condition. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Title Document is missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Title provided clears condition. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1659 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Document provided clears the condition. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor- xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Document provided clears the condition. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1667 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Income worksheet provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Income worksheet provided. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1667 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor - xxxxxx Resolved-Document provided, verifies Borrower employed prior to close and remains employed. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor- xxxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-xxxxxx Resolved-Document provided, verifies Borrower employed prior to close and remains employed. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1667 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Document provided and reviewed. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure Received Date of (xxxxxx) is not three business days before the consummation date of xxxxxx). Three business days before the consummation date is (xxxxxx). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Document provided and reviewed. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1664 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Post close verification provided. - Due Diligence Vendor-xxxxxx Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor- xxxxxx |
Resolved-Post close verification provided. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1664 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | TRID | xxx | Resolved-Document provided electronic signature on xxxxxx. - Due Diligence Vendor- xxxxxx Ready for Review-Document Uploaded. - Seller- xxxxxx Open-Need supporting document to confirm initial CD issued on xxxxxx was signed electronically. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Document provided electronic signature on xxxxxx. - Due Diligence Vendor- xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1664 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Resolved - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure was provided on (2024-12-15) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxx), for consummation to occur on (xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) No evidence the initial Closing Disclosure was sent electronically. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Resolved - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1665 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Compliance | Tolerance:Disclosure | xxx | Resolved-Evidence of electronic signature provided. - Due Diligence Vendor-xxxxxx Ready for Review-Evidence provided of electronic signature. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-The Initial Closing Disclosure was provided on (xxxxxx) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (xxxxxx). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (xxxxxx), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (xxxxxx), for consummation to occur on (xxxxxx). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) No evidence of Initial Closing Disclosure delivered three business days prior to closing. - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Evidence of electronic signature provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1665 | D | A | D | A | C | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved-Document provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor-0xxxxxx |
Ready for Review-Document Uploaded. - Seller xxxxxx |
Resolved-Document provided. - Due Diligence Vendorxxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | |||||
| SAIF2025CES1668 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved- - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller - xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1668 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | D | A | Credit | Missing Doc | xxx | Resolved- - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Income Calculation Worksheet is Missing - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller - xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A | ||||||
| SAIF2025CES1668 | D | A | D | A | A | A | N/A | N/A | Closed | xxx | xxx | xxx | Resolved | 1 - Information | C | A | Credit | Income/Employment | xxx | Resolved-Documents provided. - Due Diligence Vendor-xxxxxx Ready for Review-Document Uploaded. - Seller-xxxxxx Open-Borrower 2 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-xxxxxx |
Ready for Review-Document Uploaded. - Seller-xxxxxx |
Resolved-Documents provided. - Due Diligence Vendor-xxxxxx |
xxxxxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | xxx | xxx | xxx | N/A | N/A |